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Standard AVB Financial

Nasdaq:STND
Snowflake Description

Flawless balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
STND
Nasdaq
$127M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Standard AVB Financial Corp. operates as a bank holding company for Standard Bank PaSB that provides financial services to individuals, families, and businesses. The last earnings update was 25 days ago. More info.


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STND Share Price and Events
7 Day Returns
-0.8%
NasdaqCM:STND
-1.6%
US Mortgage
-0.7%
US Market
1 Year Returns
-9.3%
NasdaqCM:STND
1.6%
US Mortgage
3%
US Market
STND Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Standard AVB Financial (STND) -0.8% -0.4% -8% -9.3% 13% 44.2%
US Mortgage -1.6% -1% 0.5% 1.6% 34.6% 42.2%
US Market -0.7% -2% 2.4% 3% 39.2% 42%
1 Year Return vs Industry and Market
  • STND underperformed the Mortgage industry which returned 1.6% over the past year.
  • STND underperformed the Market in United States of America which returned 3% over the past year.
Price Volatility
STND
Industry
5yr Volatility vs Market

STND Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Standard AVB Financial. This is due to cash flow or dividend data being unavailable. The share price is $27.4.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Standard AVB Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Standard AVB Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:STND PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.90
NasdaqCM:STND Share Price ** NasdaqCM (2019-05-17) in USD $27.4
United States of America Mortgage Industry PE Ratio Median Figure of 131 Publicly-Listed Mortgage Companies 14.3x
United States of America Market PE Ratio Median Figure of 3,088 Publicly-Listed Companies 17.89x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Standard AVB Financial.

NasdaqCM:STND PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:STND Share Price ÷ EPS (both in USD)

= 27.4 ÷ 1.90

14.43x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Standard AVB Financial is overvalued based on earnings compared to the US Mortgage industry average.
  • Standard AVB Financial is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Standard AVB Financial's expected growth come at a high price?
Raw Data
NasdaqCM:STND PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 14.43x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
11%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 49 Publicly-Listed Mortgage Companies 1.35x
United States of America Market PEG Ratio Median Figure of 2,117 Publicly-Listed Companies 1.56x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Standard AVB Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Standard AVB Financial's assets?
Raw Data
NasdaqCM:STND PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $30.37
NasdaqCM:STND Share Price * NasdaqCM (2019-05-17) in USD $27.4
United States of America Mortgage Industry PB Ratio Median Figure of 144 Publicly-Listed Mortgage Companies 1.14x
United States of America Market PB Ratio Median Figure of 5,195 Publicly-Listed Companies 1.83x
NasdaqCM:STND PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:STND Share Price ÷ Book Value per Share (both in USD)

= 27.4 ÷ 30.37

0.9x

* Primary Listing of Standard AVB Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Standard AVB Financial is good value based on assets compared to the US Mortgage industry average.
X
Value checks
We assess Standard AVB Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Standard AVB Financial has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

STND Future Performance

 How is Standard AVB Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Standard AVB Financial, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
11%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Standard AVB Financial expected to grow at an attractive rate?
  • Standard AVB Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Standard AVB Financial's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Standard AVB Financial's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:STND Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:STND Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 11%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 9.9%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 5.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:STND Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:STND Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 33 9
2018-12-31 33 13 9
2018-09-30 33 12 8
2018-06-30 34 14 8
2018-03-31 33 12 6
2017-12-31 29 9 4
2017-09-30 24 3
2017-06-30 20 3 2
2017-03-31 15 3 2
2016-12-31 15 3 3
2016-09-30 15 3 3
2016-06-30 16 4 4

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Standard AVB Financial's earnings are expected to grow by 11% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Standard AVB Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:STND Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Standard AVB Financial Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:STND Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.90
2018-12-31 1.90
2018-09-30 1.83
2018-06-30 1.74
2018-03-31 1.29
2017-12-31 1.08
2017-09-30 1.03
2017-06-30 0.66
2017-03-31 1.01
2016-12-31 1.15
2016-09-30 1.26
2016-06-30 1.45

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Standard AVB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Standard AVB Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Standard AVB Financial has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

STND Past Performance

  How has Standard AVB Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Standard AVB Financial's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Standard AVB Financial has delivered over 20% year on year earnings growth in the past 5 years.
  • Standard AVB Financial's 1-year earnings growth exceeds its 5-year average (48.8% vs 23.7%)
  • Standard AVB Financial's earnings growth has exceeded the US Mortgage industry average in the past year (48.8% vs 39%).
Earnings and Revenue History
Standard AVB Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Standard AVB Financial Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:STND Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 32.81 8.81 15.51
2018-12-31 33.12 8.80 15.51
2018-09-30 33.31 8.48 15.12
2018-06-30 33.66 8.03 16.00
2018-03-31 33.32 5.92 15.52
2017-12-31 28.51 4.33 13.32
2017-09-30 24.39 3.44 3.55
2017-06-30 19.56 1.91 9.96
2017-03-31 15.24 2.39 8.42
2016-12-31 15.28 2.73 8.30
2016-09-30 15.23 3.03 8.35
2016-06-30 15.52 3.60 8.35
2016-03-31 15.54 3.60 8.35
2015-12-31 15.52 3.51 8.35
2015-09-30 15.54 3.53 8.31
2015-06-30 15.22 3.42 8.26
2015-03-31 15.08 3.40 8.17
2014-12-31 14.79 3.30 8.18
2014-09-30 14.56 3.18 8.12
2014-06-30 14.44 3.01 8.08
2014-03-31 14.44 2.88 8.04
2013-12-31 14.46 2.90 7.96
2013-09-30 14.34 2.88 7.90
2013-06-30 14.21 2.78 7.85
2013-03-31 14.07 2.82 7.76
2012-12-31 14.06 2.88 7.59
2012-09-30 14.17 2.96 7.46
2012-06-30 14.17 3.11 7.21

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Standard AVB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Standard AVB Financial used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Standard AVB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Standard AVB Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Standard AVB Financial has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

STND Health

 How is Standard AVB Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Standard AVB Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Standard AVB Financial Company Filings, last reported 1 month ago.

NasdaqCM:STND Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 140.14 102.14 34.70
2018-12-31 137.89 111.62 4.96
2018-09-30 135.31 117.16 35.12
2018-06-30 134.57 125.48 28.48
2018-03-31 133.31 148.74 14.73
2017-12-31 133.97 138.91 4.71
2017-09-30 133.29 134.49 20.79
2017-06-30 132.35 125.97 20.73
2017-03-31 73.95 46.63 13.26
2016-12-31 72.99 50.01 11.02
2016-09-30 73.01 50.82 16.46
2016-06-30 73.04 55.06 15.91
2016-03-31 71.92 56.41 22.97
2015-12-31 75.08 63.49 11.56
2015-09-30 74.28 57.81 13.85
2015-06-30 74.51 58.71 8.23
2015-03-31 74.18 57.04 8.94
2014-12-31 74.12 60.53 6.58
2014-09-30 73.06 49.50 6.81
2014-06-30 73.88 38.61 8.09
2014-03-31 72.67 34.92 14.62
2013-12-31 72.90 31.97 8.31
2013-09-30 74.56 33.09 14.19
2013-06-30 76.17 33.10 16.29
2013-03-31 76.56 31.86 13.79
2012-12-31 79.55 28.81 10.19
2012-09-30 80.12 30.08 16.97
2012-06-30 80.08 33.82 10.52
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Standard AVB Financial has an acceptable proportion of non-loan assets held.
  • Standard AVB Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at Standard AVB Financial are broadly funded by customer deposits.
  • Standard AVB Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Standard AVB Financial has a sufficient allowance for bad loans.
  • Standard AVB Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Standard AVB Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Standard AVB Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

STND Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.23%
Current annual income from Standard AVB Financial dividends.
If you bought $2,000 of Standard AVB Financial shares you are expected to receive $65 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Standard AVB Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Standard AVB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.69%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:STND Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 94 Stocks 3.2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2000 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqCM:STND Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-25 0.884 3.208
2019-03-18 0.884 3.180
2019-01-24 0.884 2.944
2018-11-09 0.884 2.906
2018-10-25 0.884 3.010
2018-08-09 0.884 2.838
2018-07-27 0.884 2.913
2018-05-11 0.884 2.891
2018-05-01 0.884 2.934
2018-04-02 0.884 2.938
2018-01-25 0.884 2.939
2017-11-14 0.884 2.967
2017-10-26 0.884 2.981
2017-08-14 0.884 3.029
2017-07-27 0.884 3.040
2017-04-27 0.884 3.194
2017-01-26 0.440 1.663
2016-12-13 0.440 1.739
2016-10-28 0.440 1.857
2016-07-29 0.440 1.860
2016-04-29 0.440 1.838
2016-02-01 0.440 1.806
2015-10-30 0.340 1.297
2015-07-23 0.240 1.058
2015-04-28 0.240 1.131
2015-01-30 0.240 1.141
2014-12-16 0.240 1.108
2014-10-28 0.240 1.111
2014-07-25 0.180 0.874
2014-05-01 0.180 0.945
2014-01-23 0.180 0.965
2013-10-21 0.180 0.968
2013-07-18 0.180 0.957
2013-04-18 0.180 0.956
2013-01-17 0.180 0.949
2012-10-18 0.180 1.024
2012-07-19 0.180 1.067
2012-04-19 0.180 1.100
2012-01-20 0.180 1.132
2011-10-21 0.180 1.204

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Standard AVB Financial has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Standard AVB Financial only paid a dividend in the past 8 years.
Current Payout to shareholders
What portion of Standard AVB Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.1x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Standard AVB Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Standard AVB Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Standard AVB Financial has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

STND Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Tim Zimmerman
COMPENSATION $574,336
AGE 67
TENURE AS CEO 9.3 years
CEO Bio

Mr. Timothy K. Zimmerman, also known as Tim, has been Chief Executive Officer at Standard AVB Financial Corp. since 2010 and serves as its Director since 1993. He served as President of Standard AVB Financial Corp. from 2010 to April 7, 2017. He has been Chief Executive Officer at Standard Bank, PaSB since 1992 and serves as its Director since 1993. He served at Landmark Savings Association, Pittsburgh (and predecessors) from 1977 to 1992, including service as Senior Vice President and Chief Financial Officer from 1985 to 1992. Mr. Zimmerman is a Certified Public Accountant and worked for KPMG Peat Marwick from 1973 to 1977. Mr. Zimmerman is very active in not for profit organizations, serving on boards and committees of the Pittsburgh Civic Light Opera and others in the Greater Pittsburgh Area. He is a member of the Board of Directors of the Pennsylvania Association of Community Bankers. Currently he is serving as Vice Chairman of the Independent Community Bankers of America (“ICBA”). During his affiliation with ICBA, he has served in many leadership roles including as Chairman of ICBA Securities, Vice Chairman of the Bank Education Committee, Vice Chairman of the Policy Development Committee and Chairman of the ICBA’s Federal Home Loan Bank Task Force. In addition, he has served as Chairman and Vice Chairman of the Consumer Financial Protection Bureau’s Community Bank Advisory Council and is currently a member of the National Association of Home Builders Mortgage Roundtable.

CEO Compensation
  • Tim's compensation has increased by more than 20% in the past year.
  • Tim's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Standard AVB Financial management team in years:

2.1
Average Tenure
54
Average Age
  • The tenure for the Standard AVB Financial management team is about average.
Management Team

Tim Zimmerman

TITLE
CEO & Director
COMPENSATION
$574K
AGE
67
TENURE
9.3 yrs

Andy Hasley

TITLE
President & Director
COMPENSATION
$450K
AGE
54
TENURE
2.1 yrs

Sue Parente

TITLE
Executive VP & CFO
COMPENSATION
$290K
AGE
55
TENURE
3.3 yrs

Sheila Crystaloski

TITLE
Chief Technology Officer & Senior VP
AGE
54

Susan DeLuca

TITLE
Chief Risk Officer & Senior VP
AGE
61
TENURE
2.1 yrs

Chris Chelli

TITLE
Chief Credit Officer & Senior VP
AGE
49
TENURE
2.1 yrs

Kim Davis

TITLE
Corporate Secretary & Assistant to the CEO
TENURE
0.2 yrs

John Kline

TITLE
Executive VP & Chief Lending Officer
AGE
53
TENURE
0.7 yrs
Board of Directors Tenure

Average tenure and age of the Standard AVB Financial board of directors in years:

12.8
Average Tenure
65
Average Age
  • The average tenure for the Standard AVB Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Terence Graft

TITLE
Chairman of the Board
COMPENSATION
$42K
AGE
68
TENURE
9.3 yrs

Tim Zimmerman

TITLE
CEO & Director
COMPENSATION
$574K
AGE
67
TENURE
26.3 yrs

Greg Saxon

TITLE
Vice Chairman
COMPENSATION
$37K
AGE
53
TENURE
2.1 yrs

Andy Hasley

TITLE
President & Director
COMPENSATION
$450K
AGE
54
TENURE
13.3 yrs

Dale Walker

TITLE
Director
COMPENSATION
$36K
AGE
68
TENURE
20.3 yrs

Thomas Rennie

TITLE
Director
COMPENSATION
$30K
AGE
68
TENURE
11.3 yrs

William Ferri

TITLE
Director
COMPENSATION
$30K
AGE
73
TENURE
12.3 yrs

Dave Mathews

TITLE
Director
COMPENSATION
$195K
AGE
63
TENURE
13.3 yrs

Paul Iurlano

TITLE
Director
COMPENSATION
$30K
AGE
63
TENURE
15.3 yrs

John Lally

TITLE
Director
COMPENSATION
$32K
AGE
62
TENURE
10.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
18. Sep 18 Sell Susan DeLuca Individual 17. Sep 18 17. Sep 18 -1,044 $33.15 $-34,609
17. Aug 18 Sell Christian Chelli Individual 15. Aug 18 17. Aug 18 -225 $30.40 $-6,832
X
Management checks
We assess Standard AVB Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Standard AVB Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

STND News

Simply Wall St News

Does Standard AVB Financial's (NASDAQ:STND) Share Price Gain of 46% Match Its Business Performance?

Over half a decade, Standard AVB Financial managed to grow its earnings per share at 13% a year. … So for companies that pay a generous dividend, the TSR is often a lot higher than the share price return. … We note that for Standard AVB Financial the TSR over the last 5 years was 62%, which is better than the share price return mentioned above.

Simply Wall St -

If You Like EPS Growth Then Check Out Standard AVB Financial (NASDAQ:STND) Before It's Too Late

Standard AVB Financial's Earnings Per Share Are Growing. … Not all of Standard AVB Financial's revenue this year is revenue from operations, so keep in mind the revenue and margin numbers I've used might not be the best representation of the underlying business. … While we note Standard AVB Financial's EBIT margins were flat over the last year, revenue grew by a solid 16% to US$33m.

Simply Wall St -

Know This Before Buying Standard AVB Financial Corp. (NASDAQ:STND) For Its Dividend

Historically, Standard AVB Financial Corp. … Let's dig deeper into whether Standard AVB Financial should have a place in your portfolio. … Check out our latest analysis for Standard AVB Financial

Simply Wall St -

Is Standard AVB Financial Corp.'s (NASDAQ:STND) High P/E Ratio A Problem For Investors?

This article is written for those who want to get better at using price to earnings ratios (P/E ratios). … Standard AVB Financial has a P/E ratio of 15.78, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Income Investors Should Know The Standard AVB Financial Corp. (NASDAQ:STND) Ex-Dividend Date

On the 19 February 2019, Standard AVB Financial Corp. … (NASDAQ:STND) will be paying shareholders an upcoming dividend amount of US$0.22 per share. … However, investors must have bought the company's stock before 01 February 2019 in order to qualify for the payment.

Simply Wall St -

Is Standard AVB Financial Corp's (NASDAQ:STND) P/E Ratio Really That Good?

We'll look at Standard AVB Financial Corp's (NASDAQ:STND) P/E ratio and reflect on what it tells us about the company's share price. … Standard AVB Financial has a P/E ratio of 16.6, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Is Standard AVB Financial Corp (NASDAQ:STND) A Smart Choice For Dividend Investors?

Dividends play an important role in compounding returns in the long run and end up forming a sizeable part of investment returns. … Historically, Standard AVB Financial Corp (NASDAQ:STND) has paid dividends to shareholders, and these days it yields 2.9%. … Let's take a look at Standard AVB Financial in more detail.

Simply Wall St -

Does Standard AVB Financial Corp's (NASDAQ:STND) CEO Salary Compare Well With Others?

Tim Zimmerman took the helm as Standard AVB Financial Corp's (NASDAQ:STND) CEO and grew market cap to US$140.55m recently. … Recognizing whether CEO incentives are aligned with shareholders is a crucial part of investing. … This is because, if incentives are aligned, more value is created for shareholders which directly impacts your returns as an investor.

Simply Wall St -

Standard AVB Financial Corp (NASDAQ:STND): Dividend Is Coming In 2 Days, Should You Buy?

Important news for shareholders and potential investors in Standard AVB Financial Corp (NASDAQ:STND): The dividend payment of US$0.22 per share will be distributed into shareholder on 20 August 2018, and the stock will begin trading ex-dividend at an earlier date, 03 August 2018. … Investors looking for higher income-generating stocks to add to their portfolio should keep reading, as I examine Standard AVB Financial's latest financial data to analyse its dividend characteristics. … 5 questions I ask before picking a dividend stock.

Simply Wall St -

Is Standard AVB Financial Corp's (NASDAQ:STND) PE Ratio A Signal To Sell For Investors?

I am writing today to help inform people who are new to the stock market. … and want to learn about the link between company’s fundamentals and stock market performance. … While STND might seem like a stock to avoid or sell if you own it, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions.

Simply Wall St -

STND Company Info

Description

Standard AVB Financial Corp. operates as a bank holding company for Standard Bank PaSB that provides financial services to individuals, families, and businesses. The company offers various 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, commercial business loans, one- to four-family residential mortgage loans, home equity loans, lines of credit, construction loans, and consumer loans and overdraft lines of credit. In addition, the company offers investment securities. It operates through a network of 17 banking offices located in the Allegheny, Westmoreland, and Bedford counties, Pennsylvania; and Allegany County, Maryland. The company was formerly known as Standard Financial Corp. and changed its name to Standard AVB Financial Corp. in April 2017. Standard AVB Financial Corp. was founded in 1913 and is based in Monroeville, Pennsylvania.

Details
Name: Standard AVB Financial Corp.
STND
Exchange: NasdaqCM
Founded: 1913
$127,387,751
4,649,188
Website: http://www.standardbankpa.com
Address: Standard AVB Financial Corp.
2640 Monroeville Boulevard,
Monroeville,
Pennsylvania, 15146,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM STND Common Stock Nasdaq Capital Market US USD 07. Oct 2010
Number of employees
Current staff
Staff numbers
158
Standard AVB Financial employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/20 02:38
End of day share price update: 2019/05/17 00:00
Last earnings filing: 2019/04/25
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.