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Caisse Régionale de Crédit Agricole du Morbihan

Market Cap

€372.5m

Last Updated

2021/05/10 18:21 UTC

Data Sources

Company Financials

Executive Summary

Caisse Régionale de Crédit Agricole du Morbihan provides various banking products and services to individuals, professionals, farmers, associations, and companies in France. More Details


Snowflake Analysis

Flawless balance sheet and good value.

Share Price & News

How has Caisse Régionale de Crédit Agricole du Morbihan's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CMO is not significantly more volatile than the rest of French stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: CMO's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

5.7%

CMO

3.6%

FR Banks

0.6%

FR Market


1 Year Return

-24.5%

CMO

75.1%

FR Banks

43.0%

FR Market

Return vs Industry: CMO underperformed the French Banks industry which returned 70% over the past year.

Return vs Market: CMO underperformed the French Market which returned 42% over the past year.


Shareholder returns

CMOIndustryMarket
7 Day5.7%3.6%0.6%
30 Day-8.6%7.3%3.4%
90 Day-4.5%27.3%11.3%
1 Year-22.6%-24.5%76.3%75.1%46.4%43.0%
3 Year-0.5%-7.4%-4.2%-15.6%28.7%18.3%
5 Year35.7%19.2%47.7%18.2%86.7%60.1%

Long-Term Price Volatility Vs. Market

How volatile is Caisse Régionale de Crédit Agricole du Morbihan's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Caisse Régionale de Crédit Agricole du Morbihan undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CMO (€74) is trading below our estimate of fair value (€155.56)

Significantly Below Fair Value: CMO is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CMO is good value based on its PE Ratio (7.2x) compared to the FR Banks industry average (12.2x).

PE vs Market: CMO is good value based on its PE Ratio (7.2x) compared to the French market (23.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CMO's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CMO's PB Ratio (0.2x) is in line with the FR Banks industry average.


Future Growth

How is Caisse Régionale de Crédit Agricole du Morbihan forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

14.5%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Caisse Régionale de Crédit Agricole du Morbihan has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Caisse Régionale de Crédit Agricole du Morbihan performed over the past 5 years?

1.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CMO has high quality earnings.

Growing Profit Margin: CMO's current net profit margins (27.9%) are higher than last year (25.6%).


Past Earnings Growth Analysis

Earnings Trend: CMO's earnings have grown by 1% per year over the past 5 years.

Accelerating Growth: CMO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CMO had negative earnings growth (-6.2%) over the past year, making it difficult to compare to the Banks industry average (-32.9%).


Return on Equity

High ROE: CMO's Return on Equity (3.3%) is considered low.


Financial Health

How is Caisse Régionale de Crédit Agricole du Morbihan's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CMO's Assets to Equity ratio (7.1x) is low.

Allowance for Bad Loans: CMO has a sufficient allowance for bad loans (112%).

Low Risk Liabilities: 93% of CMO's liabilities are made up of primarily low risk sources of funding.

Loan Level: CMO has an appropriate level of Loans to Assets ratio (83%).

Low Risk Deposits: CMO's Loans to Deposits ratio (103%) is appropriate.

Level of Bad Loans: CMO has an appropriate level of bad loans (1.7%).


Dividend

What is Caisse Régionale de Crédit Agricole du Morbihan current dividend yield, its reliability and sustainability?

3.65%

Current Dividend Yield


Upcoming Dividend Payment

TodayMay 11 2021Ex Dividend DateMay 28 2021Dividend Pay DateJun 01 20214 days from Ex DividendBuy in the next 17 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: CMO's dividend (3.65%) is higher than the bottom 25% of dividend payers in the French market (1.3%).

High Dividend: CMO's dividend (3.65%) is low compared to the top 25% of dividend payers in the French market (3.98%).


Stability and Growth of Payments

Stable Dividend: CMO's dividend payments have been volatile in the past 10 years.

Growing Dividend: CMO's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (26.1%), CMO's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.2yrs

Average board tenure


CEO

Pierre-Louis Boissiere (62 yo)

8.33yrs

Tenure

€317,865

Compensation

Mr. Pierre-Louis Boissiere serves as Chief Executive Officer of Caisse Régionale de Crédit Agricole du Morbihan. Mr. Boissiere served as Managing Director at SARL Société de Developpement du Port du Croues...


CEO Compensation Analysis

Compensation vs Market: Pierre-Louis's total compensation ($USD386.56K) is below average for companies of similar size in the French market ($USD557.80K).

Compensation vs Earnings: Pierre-Louis's compensation has been consistent with company performance over the past year.


Board Members

Experienced Board: CMO's board of directors are considered experienced (4.2 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Caisse Régionale de Crédit Agricole du Morbihan's company bio, employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Caisse Régionale de Crédit Agricole du Morbihan
  • Avenue de Kéranguen
  • Cedex 9
  • Vannes
  • Brittany
  • 56956
  • France

Listings


Biography

Caisse Régionale de Crédit Agricole du Morbihan provides various banking products and services to individuals, professionals, farmers, associations, and companies in France. It offers current and savings a...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/10 18:21
End of Day Share Price2021/05/10 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.