NasdaqCM:EFBI

Stock Analysis Report

Eagle Financial Bancorp

Executive Summary

Eagle Financial Bancorp, Inc. operates as the bank holding company for Eagle Savings Bank that provides financial services primarily to individuals and businesses.

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.


Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

EFBI

1.2%

US Mortgage

1.3%

US Market


1 Year Return

2.1%

EFBI

12.2%

US Mortgage

5.9%

US Market

Return vs Industry: EFBI underperformed the US Mortgage industry which returned 12.2% over the past year.

Return vs Market: EFBI underperformed the US Market which returned 5.9% over the past year.


Shareholder returns

EFBIIndustryMarket
7 Day0%1.2%1.3%
30 Day11.7%-0.6%-1.9%
90 Day0.9%2.4%-1.8%
1 Year2.1%2.1%14.6%12.2%8.3%5.9%
3 Yearn/a39.9%30.4%45.6%36.2%
5 Yearn/a68.7%51.1%66.1%47.9%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

81.72x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

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

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


Price To Earnings Ratio

PE vs Industry: EFBI is poor value based on its PE Ratio (81.7x) compared to the Mortgage industry average (14.4x).

PE vs Market: EFBI is poor value based on its PE Ratio (81.7x) compared to the US market (17.5x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: EFBI 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 Eagle Financial Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

33.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EFBI's forecast earnings growth (33% per year) is above the savings rate (2.7%).

Earnings vs Market: EFBI's earnings (33% per year) are forecast to grow faster than the US market (14.4% per year).

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

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

High Growth Revenue: Insufficient data to determine if EFBI'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 EFBI's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Eagle Financial Bancorp performed over the past 5 years?

-42.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: EFBI's earnings have declined by -42.2% per year over the past 5 years.

Accelerating Growth: EFBI's earnings growth over the past year (23.2%) exceeds its 5-year average (-42.2% per year).

Earnings vs Industry: EFBI earnings growth over the past year (23.2%) underperformed the Mortgage industry 31.7%.


Return on Equity

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


Return on Assets

ROA vs Industry: EFBI'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 EFBI's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Eagle Financial 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: EFBI has a low level of unsold assets or inventory.

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


Financial Institutions Analysis

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

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

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

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

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

Level of Bad Loans: EFBI has an appropriate level of bad loans (0.47%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.8%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

High Dividend: Unable to evaluate EFBI'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 EFBI's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if EFBI'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 EFBI'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 Eagle Financial Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.0yrs

Average management tenure


CEO

Gary Koester (65yo)

23.8yrs

Tenure

US$666,021

Compensation

Mr. Gary J. Koester serves as President and Chief Executive Officer at Eagle Savings Bank and has been its Director since 1982. Mr. Koester has been the President and Chief Executive Officer of Eagle Finan ...


CEO Compensation Analysis

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

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


Management Age and Tenure

3.0yrs

Average Tenure

59.5yo

Average Age

Experienced Management: EFBI's management team is considered experienced (3 years average tenure).


Board Age and Tenure

2.8yrs

Average Tenure

65yo

Average Age

Experienced Board: EFBI's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.


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

  • Gary Koester (65yo)

    CEO, President & Director

    • Tenure: 2.8yrs
    • Compensation: US$666.02k
  • Tricia Walter (43yo)

    Executive VP & Company Secretary

    • Tenure: 3.3yrs
    • Compensation: US$408.09k
  • Gary Koester (65yo)

    CEO, President & Director

    • Tenure: 23.8yrs
    • Compensation: US$666.02k
  • Kevin Schramm (54yo)

    VP, Treasurer & CFO

    • Tenure: 2.8yrs
    • Compensation: US$248.78k

Board Members

  • Gary Koester (65yo)

    CEO, President & Director

    • Tenure: 2.8yrs
    • Compensation: US$666.02k
  • Gary Koester (65yo)

    CEO, President & Director

    • Tenure: 23.8yrs
    • Compensation: US$666.02k
  • James Braun (71yo)

    Chairman of the Board

    • Tenure: 2.8yrs
    • Compensation: US$110.93k
  • Guy Cagney (66yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$100.93k
  • Steven Dulle (61yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$100.93k
  • Adam Goetzman (59yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$100.93k
  • Steve Kehoe (63yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$100.93k

Company Information

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


Key Information

  • Name: Eagle Financial Bancorp, Inc.
  • Ticker: EFBI
  • Exchange: NasdaqCM
  • Founded: 1882
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$23.985m
  • Shares outstanding: 1.50m
  • Website: https://www.eaglesavings.com

Number of Employees


Location

  • Eagle Financial Bancorp, Inc.
  • 6415 Bridgetown Road
  • Cincinnati
  • Ohio
  • 45248
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EFBINasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJul 2017

Biography

Eagle Financial Bancorp, Inc. operates as the bank holding company for Eagle Savings Bank that provides financial services primarily to individuals and businesses. The company offers deposits, such as non- ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/16 00:27
End of Day Share Price2019/10/15 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.