NasdaqGM:ENFC

Stock Analysis Report

Executive Summary

Entegra Financial Corp. operates as the bank holding company for Entegra Bank that provides various retail and commercial banking products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • Entegra Financial is covered by less than 3 analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.2%

NasdaqGM:ENFC

-1.1%

US Mortgage

-0.3%

US Market


1 Year Return

-0.9%

NasdaqGM:ENFC

0.6%

US Mortgage

3.4%

US Market

ENFC underperformed the Mortgage industry which returned 2.2% over the past year.

ENFC underperformed the Market in United States of America which returned 4.1% over the past year.


Share holder returns

ENFCIndustryMarket
7 Day-0.2%-1.1%-0.3%
30 Day0.6%0.8%2.9%
90 Day25.1%0.9%2.1%
1 Year-0.9%-0.9%2.8%0.6%5.7%3.4%
3 Year70.6%70.6%42.1%32.3%45.8%36.2%
5 Yearn/a59.1%42.9%58.9%41.3%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

Is Entegra Financial undervalued based on future cash flows and its price relative to the stock market?

14.55x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Entegra Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Entegra Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Entegra Financial is overvalued based on earnings compared to the US Mortgage industry average.

Entegra Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Entegra Financial is poor value based on expected growth next year.


Price Based on Value of Assets

Entegra Financial is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Entegra Financial expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

7.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Entegra Financial's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.

Entegra Financial's earnings are expected to grow by 7.8% yearly, however this is not considered high growth (20% yearly).

Entegra Financial's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Entegra Financial's earnings growth is positive but not above the United States of America market average.

Entegra Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Entegra Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Entegra Financial performed over the past 5 years?

1.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Entegra Financial's year on year earnings growth rate has been positive over the past 5 years.

Entegra Financial's 1-year earnings growth exceeds its 5-year average (191.1% vs 1.6%)

Entegra Financial's earnings growth has exceeded the US Mortgage industry average in the past year (191.1% vs 39%).


Return on Equity

Entegra Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Entegra Financial used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Entegra Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Entegra Financial'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

Entegra Financial has an acceptable proportion of non-loan assets held.

Entegra Financial has a sufficient allowance for bad loans.

Entegra Financial's liabilities are made up of primarily low risk sources of funding.

Entegra Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Entegra Financial are broadly funded by customer deposits.

Entegra Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Entegra Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Entegra Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Entegra Financial has not reported any payouts.

Unable to verify if Entegra Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Entegra Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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

5.8yrs

Average management tenure


CEO

Roger Plemens (63yo)

15.5yrs

Tenure

US$566,096

Compensation

Mr. Roger D. Plemens has been the Chief Executive Officer and President of Entegra Financial Corp. and Entegra Bank (formerly known as Macon Bank, Inc.) since 2004. Mr. Plemens has served in various capaci ...


CEO Compensation Analysis

Roger's remuneration is lower than average for companies of similar size in United States of America.

Roger's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

5.8yrs

Average Tenure

48yo

Average Age

The average tenure for the Entegra Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

7.5yrs

Average Tenure

62.5yo

Average Age

The tenure for the Entegra Financial board of directors is about average.


Insider Trading

No 3 month individual insider trading information.


Ownership Breakdown


Management Team

  • Bobby Sanders (39yo)

    Executive VP & Chief Credit Administration Officer

    • Tenure: 6.4yrs
  • Melanie Allen

    Corporate Secretary

  • David Bright (48yo)

    Executive VP

    • Tenure: 5.8yrs
    • Compensation: $320.62k
  • Laura Clark (48yo)

    Executive VP & Chief Risk Officer

    • Tenure: 6.4yrs
  • Tim Strom

    Director of Mortgage Lending

    • Tenure: 3.2yrs
  • Mark Rufail

    Chief Accounting Officer

    • Tenure: 5.5yrs
  • Roger Plemens (63yo)

    President

    • Tenure: 15.5yrs
    • Compensation: $566.10k
  • Ryan Scaggs (44yo)

    Executive VP & COO

    • Tenure: 6.4yrs
    • Compensation: $331.49k
  • Delise Talley (53yo)

    Executive VP & Chief Retail Officer

    • Tenure: 0.4yrs
  • Lola Hart

    Chief Accounting Officer

    • Tenure: 3.2yrs

Board Members

  • Fred Jones (54yo)

    Chairman of the Board

    • Compensation: $35.63k
  • Chuck Edwards (58yo)

    Director

    • Tenure: 6.5yrs
    • Compensation: $24.00k
  • Beverly Mason (67yo)

    Director

    • Tenure: 12.5yrs
    • Compensation: $27.50k
  • Matt Dunbar (42yo)

    Director

    • Tenure: 3.9yrs
    • Compensation: $27.50k
  • Adam Burrell (49yo)

    Director

    • Tenure: 9.5yrs
    • Compensation: $25.85k
  • Ronald Beale (63yo)

    Vice Chairman of the Board

    • Tenure: 4.2yrs
    • Compensation: $19.50k
  • Louis Buck (70yo)

    Director

    • Tenure: 7.5yrs
    • Compensation: $32.30k
  • Roger Plemens (63yo)

    President

    • Tenure: 15.5yrs
    • Compensation: $566.10k
  • Jim Garner (66yo)

    Director

    • Tenure: 13.5yrs
    • Compensation: $37.45k
  • Craig Fowler (62yo)

    Director

    • Tenure: 3.0yrs
    • Compensation: $26.35k

Company Information

Entegra Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Entegra Financial Corp.
  • Ticker: ENFC
  • Exchange: NasdaqGM
  • Founded: 1922
  • Industry: thrifts and mortgage finance
  • Sector: banks
  • Market Cap: US$206.569m
  • Shares outstanding: 6.92m
  • Website: Click here

Number of Employees


Location

  • Entegra Financial Corp.
  • 14 One Center Court
  • Franklin
  • North Carolina
  • 28734
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ENFCNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDOct 2014

Biography

Entegra Financial Corp. operates as the bank holding company for Entegra Bank that provides various retail and commercial banking products and services in the United States. The company offers deposit acco ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/18 00:38
End of Day Share Price2019/07/17 00:00
Earnings2019/03/31
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.