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.
Flawless balance sheet with proven track record.
Share Price & News
How has Entegra Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ENFC has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ENFC exceeded the US Mortgage industry which returned 18.8% over the past year.
Return vs Market: ENFC exceeded the US Market which returned 24.7% over the past year.
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
1 year ago | Simply Wall StHere's What Entegra Financial Corp's (NASDAQ:ENFC) P/E Is Telling Us
1 year ago | Simply Wall StHow Much is Entegra Financial Corp's (NASDAQ:ENFC) CEO Getting Paid?
1 year ago | Simply Wall StWill Entegra Financial Corp (NASDAQ:ENFC) Continue To Underperform Its Industry?
Is Entegra Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ENFC ($30.16) is trading above our estimate of fair value ($8.45)
Significantly Below Fair Value: ENFC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ENFC is poor value based on its PE Ratio (15.2x) compared to the Mortgage industry average (14.2x).
PE vs Market: ENFC is good value based on its PE Ratio (15.2x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ENFC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ENFC is overvalued based on its PB Ratio (1.1x) compared to the US Mortgage industry average (1.1x).
How is Entegra Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Entegra Financial 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.
How has Entegra Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ENFC has high quality earnings.
Growing Profit Margin: ENFC's current net profit margins (25.2%) are higher than last year (13%).
Past Earnings Growth Analysis
Earnings Trend: ENFC's earnings have declined by -4.2% per year over the past 5 years.
Accelerating Growth: ENFC's earnings growth over the past year (98.6%) exceeds its 5-year average (-4.2% per year).
Earnings vs Industry: ENFC earnings growth over the past year (98.6%) exceeded the Mortgage industry 23.1%.
Return on Equity
High ROE: ENFC's Return on Equity (7.5%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: ENFC has a low level of unsold assets or inventory.
Debt Coverage by Assets: ENFC's debt is not covered by short term assets (assets are 0.8x debt).
Financial Institutions Analysis
Asset Level: ENFC's level of assets compared to its equity is low.
Allowance for Bad Loans: ENFC has a sufficient allowance for bad loans.
Low Risk Liabilities: ENFC's liabilities are made up of primarily low risk sources of funding.
Loan Level: ENFC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: ENFC's loans are broadly funded by customer deposits.
Level of Bad Loans: ENFC has an appropriate level of bad loans (0.4%)
What is Entegra Financial's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate ENFC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate ENFC's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ENFC's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ENFC'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 ENFC's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Roger Plemens (63yo)
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
Compensation vs Market: Roger's total compensation ($USD566.10K) is below average for companies of similar size in the US market ($USD1.08M).
Compensation vs Earnings: Roger's compensation has been consistent with company performance over the past year.
|Executive VP||6.3yrs||US$320.62k||0.39% $818.5k|
|Executive VP & COO||6.9yrs||US$331.49k||0.36% $757.0k|
|Chief Accounting Officer||3.7yrs||no data||no data|
|Executive VP & Chief Risk Officer||6.9yrs||no data||no data|
|Executive VP & Chief Credit Administration Officer||6.9yrs||no data||no data|
|Executive VP & Chief Retail Officer||0.9yrs||no data||no data|
|Corporate Secretary||0yrs||no data||no data|
|Director of Mortgage Lending||3.7yrs||no data||no data|
|Executive VP & Chief Lending Officer||0yrs||no data||no data|
Experienced Management: ENFC's management team is seasoned and experienced (6.6 years average tenure).
|Independent Director||8yrs||US$32.30k||0.16% $329.3k|
|Independent Director||3.5yrs||US$26.35k||0.070% $145.4k|
|Independent Director||13yrs||US$27.50k||0.30% $636.4k|
|Independent Director||10yrs||US$25.85k||0.11% $225.1k|
|Vice Chairman of the Board||4.7yrs||US$19.50k||0.12% $243.1k|
|Independent Director||14yrs||US$37.45k||0.19% $393.9k|
|Chairman of the Board||0yrs||US$35.63k||0.19% $397.5k|
|Independent Director||4.4yrs||US$27.50k||0.040% $83.2k|
|Independent Director||7yrs||US$24.00k||0.12% $243.1k|
Experienced Board: ENFC's board of directors are considered experienced (8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ENFC insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Entegra Financial Corp.'s company bio, employee growth, exchange listings and data sources
- Name: Entegra Financial Corp.
- Ticker: ENFC
- Exchange: NasdaqGM
- Founded: 1922
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$208.934m
- Shares outstanding: 6.93m
- Website: https://www.entegrabank.com
Number of Employees
- Entegra Financial Corp.
- 14 One Center Court
- North Carolina
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ENFC||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Oct 2014|
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 accounts, including savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and individual retirement accounts. It also provides commercial real estate loans, one-to-four family residential mortgage loans, home equity loans and lines of credits, and commercial loans, as well as one-to four-family residential construction, other construction and land, and consumer loans. In addition, the company invests in securities; provides wealth management services through a third party; and originates loans for sale in the secondary markets. As of December 31, 2018, it operated a network of 18 branches and 2 loan production offices in the Western North Carolina counties of Buncombe, Cherokee, Haywood, Henderson, Jackson, Macon, Polk, and Transylvania; the Upstate South Carolina counties of Anderson, Greenville, Pickens, and Spartanburg; and the northern Georgia counties of Gwinnett, Hall, and Pickens. The company also facilitates the issuance of trust preferred securities. It serves individuals and small- to mid-sized businesses. The company was formerly known as Macon Financial Corp. and changed its name to Entegra Financial Corp. in 2014. Entegra Financial Corp. was founded in 1922 and is headquartered in Franklin, North Carolina.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/01/02 00:24|
|End of Day Share Price||2019/12/31 00:00|
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.