NasdaqCM:CBMB

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0.1%

CBMB

1.9%

US Mortgage

1.8%

US Market


1 Year Return

13.2%

CBMB

14.2%

US Mortgage

7.3%

US Market

Return vs Industry: CBMB exceeded the US Mortgage industry which returned 14.2% over the past year.

Return vs Market: CBMB exceeded the US Market which returned 7.3% over the past year.


Shareholder returns

CBMBIndustryMarket
7 Day0.1%1.9%1.8%
30 Day-0.7%0.5%-0.7%
90 Day2.0%3.7%0.06%
1 Year13.2%13.2%16.7%14.2%9.7%7.3%
3 Yearn/a40.6%31.1%46.3%36.9%
5 Yearn/a71.8%53.7%64.5%46.5%

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?

85.26x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

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

Significantly Undervalued: 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 (85.3x) compared to the Mortgage industry average (14.5x).

PE vs Market: CBMB is poor value based on its PE Ratio (85.3x) compared to the US market (17.7x).


Price to Earnings Growth Ratio

Low 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 is good value based on its PB Ratio (0.9x) compared to the US Mortgage industry average (1.1x).


Next Steps

Future Growth

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

33.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CBMB's forecast earnings growth (33.7% per year) is above the savings rate (2.7%).

Earnings vs Market: CBMB's earnings (33.7% per year) are forecast to grow faster than the US market (14.6% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if CBMB's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if CBMB's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if CBMB's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has CBM Bancorp performed over the past 5 years?

209.6%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if CBMB's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare CBMB's past year earnings growth to its 5-year average.

Earnings vs Industry: CBMB earnings growth over the past year (209.6%) exceeded the Mortgage industry 31.3%.


Return on Equity

High ROE: CBMB's Return on Equity (1.1%) is considered low.


Return on Assets

ROA vs Industry: CBMB's Return on Assets is below or equal to the Mortgage industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate CBMB's Return on Capital Employed to determine if it has improved over the past 3 years.


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

Inventory Level: CBMB has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if CBMB's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: CBMB's level of assets compared to its equity is low.

Allowance for Bad Loans: CBMB has a sufficient allowance for bad loans.

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

Loan Level: CBMB has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CBMB's loans are broadly funded by customer deposits.

Level of Bad Loans: CBMB has an appropriate level of bad loans (0.64%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.7%industryaverage2.7%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

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

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

What is the CEO of CBM Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.8yrs

Average board tenure


CEO

Joe Solomon (69yo)

0yrs

Tenure

US$218,733

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: Insufficient data to establish whether Joe's total compensation is reasonable compared to companies of similar size in the US market.

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


Board Age and Tenure

6.8yrs

Average Tenure

64yo

Average Age

Experienced Board: CBMB's board of directors are considered experienced (6.8 years average tenure).


Insider Trading

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


Ownership Breakdown


Management Team

  • Phil Logan (65yo)

    Executive VP

    • Tenure: 0yrs
  • Jodi Beal (49yo)

    Executive VP

    • Tenure: 3yrs
    • Compensation: US$184.99k
  • Joe Solomon (69yo)

    President

    • Tenure: 0yrs
    • Compensation: US$218.73k

Board Members

  • William Whitty (67yo)

    Independent Director

    • Tenure: 10.8yrs
    • Compensation: US$20.20k
  • Francis Bossle (73yo)

    Lead Independent Director

    • Tenure: 0yrs
    • Compensation: US$22.59k
  • Bill Bocek (64yo)

    Chairman of the Board

    • Tenure: 3.1yrs
    • Compensation: US$354.52k
  • Gail Smith (64yo)

    Director

    • Tenure: 10.8yrs
    • Compensation: US$17.40k
  • Joe Solomon (69yo)

    President

    • Tenure: 0yrs
    • Compensation: US$218.73k
  • Glenn Ercole (60yo)

    Independent Director

    • Tenure: 6.8yrs
    • Compensation: US$19.40k
  • Benny Walker (62yo)

    Independent Director

    • Tenure: 6.9yrs
    • Compensation: US$21.00k

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$54.982m
  • Shares outstanding: 3.93m
  • 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 Analysis2019/10/18 01:16
End of Day Share Price2019/10/17 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.