NasdaqCM:CBMB

Stock Analysis Report

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Executive Summary

CBM Bancorp, Inc. operates as a bank holding company for Chesapeake Bank of Maryland. More Details


Snowflake Analysis

Flawless balance sheet with proven track record.

Share Price & News

How has CBM Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CBMB has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-4.0%

CBMB

-6.4%

US Mortgage

-2.4%

US Market


1 Year Return

-13.3%

CBMB

-27.0%

US Mortgage

12.0%

US Market

Return vs Industry: CBMB exceeded the US Mortgage industry which returned -27% over the past year.

Return vs Market: CBMB underperformed the US Market which returned 12% over the past year.


Shareholder returns

CBMBIndustryMarket
7 Day-4.0%-6.4%-2.4%
30 Day2.4%-14.6%-6.5%
90 Day0.2%-16.9%8.4%
1 Year-9.2%-13.3%-24.9%-27.0%14.5%12.0%
3 Yearn/a5.3%-3.8%34.8%25.8%
5 Yearn/a4.7%-9.1%82.1%61.6%

Price Volatility Vs. Market

How volatile is CBM Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is CBM Bancorp undervalued compared to its fair value and its price relative to the market?

61.27x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate CBMB's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate CBMB's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: CBMB is poor value based on its PE Ratio (61.3x) compared to the US Mortgage industry average (10.3x).

PE vs Market: CBMB is poor value based on its PE Ratio (61.3x) compared to the US market (17.5x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: CBMB's PB Ratio (0.8x) is in line with the US Mortgage industry average.


Next Steps

Future Growth

How is CBM Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-13.1%

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 CBM Bancorp 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.


Next Steps

Past Performance

How has CBM Bancorp performed over the past 5 years?

44.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CBMB has high quality earnings.

Growing Profit Margin: CBMB's current net profit margins (9.3%) are higher than last year (8.8%).


Past Earnings Growth Analysis

Earnings Trend: CBMB's earnings have grown significantly by 44% per year over the past 5 years.

Accelerating Growth: CBMB's earnings growth over the past year (19.1%) is below its 5-year average (44% per year).

Earnings vs Industry: CBMB earnings growth over the past year (19.1%) exceeded the Mortgage industry 6.7%.


Return on Equity

High ROE: CBMB's Return on Equity (1.4%) is considered low.


Next Steps

Financial Health

How is CBM Bancorp'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: CBMB's Assets to Equity ratio (4.4x) is low.

Allowance for Bad Loans: CBMB has a sufficient allowance for bad loans (344%).

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

Loan Level: CBMB has an appropriate level of Loans to Assets ratio (70%).

Low Risk Deposits: CBMB's Loans to Deposits ratio (97%) is appropriate.

Level of Bad Loans: CBMB has an appropriate level of bad loans (0.3%).


Next Steps

Dividend

What is CBM Bancorp current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate CBMB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CBMB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CBMB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CBMB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CBMB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

7.8yrs

Average board tenure


CEO

Joe Solomon (70 yo)

no data

Tenure

US$756,898

Compensation

Mr. Joseph M. Solomon, also known as Joe, serves as President, Managing Officer and Director of Chesapeake Bank of Maryland since September 2016. Mr. Solomon serves as President and Director of CBM Bancorp ...


CEO Compensation Analysis

Compensation vs Market: Joe's total compensation ($USD756.90K) is about average for companies of similar size in the US market ($USD606.53K).

Compensation vs Earnings: Joe's compensation has increased by more than 20% in the past year.


Board Members

NamePositionTenureCompensationOwnership
Joseph Solomon
Presidentno dataUS$756.90k0.80%
$ 343.8k
William Whitty
Independent Director11.67yrsUS$205.20kno data
Francis Bossle
Lead Independent Directorno dataUS$208.27kno data
William Bocek
Chairman of the Board4yrsUS$1.07m0.89%
$ 384.5k
Gail Smith
Independent Director11.67yrsUS$201.70kno data
Glenn Ercole
Independent Director7.67yrsUS$203.30k0.55%
$ 235.9k
Benny Walker
Independent Director7.83yrsUS$206.50k0.55%
$ 235.9k

7.8yrs

Average Tenure

65yo

Average Age

Experienced Board: CBMB's board of directors are considered experienced (7.8 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

CBM Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CBM Bancorp, Inc.
  • Ticker: CBMB
  • Exchange: NasdaqCM
  • Founded: 1913
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$43.199m
  • Shares outstanding: 3.52m
  • Website: https://www.chesapeakebank.com

Number of Employees


Location

  • CBM Bancorp, Inc.
  • 2001 East Joppa Road
  • Baltimore
  • Maryland
  • 21234
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBMBNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDSep 2018

Biography

CBM Bancorp, Inc. operates as a bank holding company for Chesapeake Bank of Maryland. Its deposit products include non-interest bearing and interest-bearing demand deposits, time deposits, money market dep ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/26 06:55
End of Day Share Price2020/09/24 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.