NasdaqCM:HBK

Stock Analysis Report

Executive Summary

Hamilton Bancorp, Inc. operates as the holding company for Hamilton Bank, a federally chartered savings bank that provides a range of banking services primarily to small and middle-market businesses, and middle-income individuals.

Snowflake

Fundamentals

Excellent balance sheet and overvalued.

Risks

  • Hamilton Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

6.6%

NasdaqCM:HBK

0.9%

US Mortgage

0.2%

US Market


1 Year Return

9.3%

NasdaqCM:HBK

-2.0%

US Mortgage

-0.7%

US Market

HBK outperformed the Mortgage industry which returned 6.8% over the past year.

HBK matched the United States of America Market (8.5%) over the past year.


Share holder returns

HBKIndustryMarket
7 Day6.6%0.9%0.2%
30 Day3.0%-1.9%-2.7%
90 Day7.8%-0.4%1.6%
1 Year9.3%9.3%0.05%-2.0%1.6%-0.7%
3 Year13.6%13.6%32.3%23.5%40.0%30.9%
5 Year9.5%9.5%56.8%40.3%53.8%36.8%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

0.87x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Hamilton Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Hamilton Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Hamilton Bancorp is loss making, we can't compare its value to the US Mortgage industry average.

Hamilton Bancorp is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Hamilton Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Hamilton Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

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

9.3%

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 Hamilton 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 Hamilton Bancorp performed over the past 5 years?

-48.6%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Hamilton Bancorp does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Hamilton Bancorp's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Hamilton Bancorp's 1-year growth to the US Mortgage industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Hamilton Bancorp has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Hamilton Bancorp has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Hamilton Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Hamilton 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

Information is not available.

Information is not available.


Financial Institutions Analysis

Hamilton Bancorp has an acceptable proportion of non-loan assets held.

Hamilton Bancorp has a low allowance for bad loans.

Hamilton Bancorp's liabilities are made up of primarily low risk sources of funding.

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

Loans at Hamilton Bancorp are broadly funded by customer deposits.

Hamilton Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

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

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

Unable to perform a dividend volatility check as Hamilton Bancorp has not reported any payouts.

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


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Hamilton Bancorp 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 Hamilton Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.6yrs

Average management tenure


CEO

Bob DeAlmeida (63yo)

7.3yrs

Tenure

US$284,997

Compensation

Mr. Robert A. DeAlmeida, also known as Bob, has been the Chief Executive Officer and President at Hamilton Bancorp, Inc. (formerly, Hamilton Bancorp, Inc. (Maryland)) since 2005. Mr. DeAlmeida has been the ...


CEO Compensation Analysis

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

Bob's compensation has been consistent with company performance over the past year.


Management Age and Tenure

6.6yrs

Average Tenure

56yo

Average Age

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


Board Age and Tenure

7.4yrs

Average Tenure

61yo

Average Age

The tenure for the Hamilton Bancorp board of directors is about average.


Insider Trading

Hamilton Bancorp insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$251,77726 Apr 19
Robert DeAlmeida
EntityIndividual
Role
Chief Executive Officer
President
Shares17,800
Max PriceUS$14.14

Ownership Breakdown


Management Team

  • Ellen Fish (56yo)

    Executive VP & Chief Lending Officer

    • Tenure: 0.0yrs
    • Compensation: US$228.73k
  • Bob DeAlmeida (63yo)

    President

    • Tenure: 7.3yrs
    • Compensation: US$285.00k
  • John Marzullo (47yo)

    Senior VP

    • Tenure: 7.3yrs
    • Compensation: US$117.95k
  • Lawrence Jackson

    Controller of Hamilton Bank

    • Tenure: 6.0yrs
  • Robin Thiess

    Corporate Secretary

    • Tenure: 0.0yrs
  • Debra Scheller

    Chief Credit Officer & Vice President

    • Tenure: 3.3yrs
  • Mara Sierocinski

    Vice President of Commercial Lending

    • Tenure: 0.0yrs

Board Members

  • Joe Bouffard (68yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$35.00k
  • Jenny Morgan (58yo)

    Director

    • Tenure: 3.3yrs
    • Compensation: US$31.30k
  • Bob DeAlmeida (63yo)

    President

    • Tenure: 7.3yrs
    • Compensation: US$285.00k
  • Carol Coughlin (59yo)

    Chairwoman of the Board

    • Tenure: 4.3yrs
    • Compensation: US$52.65k
  • Bill Ballard (69yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: US$30.50k
  • William Furr (69yo)

    Director

    • Tenure: 42.3yrs
    • Compensation: US$35.00k
  • Bobbi Macdonald (52yo)

    Director

    • Tenure: 11.3yrs
    • Compensation: US$31.20k
  • Randy Farnum (58yo)

    Director

    • Tenure: 5.6yrs
    • Compensation: US$39.80k

Company Information

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


Key Information

  • Name: Hamilton Bancorp, Inc.
  • Ticker: HBK
  • Exchange: NasdaqCM
  • Founded: 1915
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$49.253m
  • Shares outstanding: 3.21m
  • Website: https://www.hamilton-bank.com

Number of Employees


Location

  • Hamilton Bancorp, Inc.
  • 501 Fairmount Avenue
  • Suite 200
  • Towson
  • Maryland
  • 21286
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HBKNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDOct 2012

Biography

Hamilton Bancorp, Inc. operates as the holding company for Hamilton Bank, a federally chartered savings bank that provides a range of banking services primarily to small and middle-market businesses, and m ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/04/30 00:48
End of Day Share Price2019/04/29 00:00
Earnings2018/12/31
Annual Earnings2018/03/31


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.