Stock Analysis Report

Standard AVB Financial

Executive Summary

Standard AVB Financial Corp. operates as a bank holding company for Standard Bank PaSB that provides financial services to individuals, families, and businesses.

Snowflake Analysis

Flawless balance sheet with acceptable track record.

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Share Price & News

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

Latest Share Price and Events

Stable Share Price: STND has not had significant price volatility in the past 3 months.

Market Performance

7 Day Return




US Mortgage


US Market

1 Year Return




US Mortgage


US Market

Return vs Industry: STND underperformed the US Mortgage industry which returned 22.4% over the past year.

Return vs Market: STND underperformed the US Market which returned 17.8% over the past year.

Shareholder returns

7 Day0.3%-0.08%1.1%
30 Day5.1%-0.7%1.4%
90 Day7.4%3.9%3.9%
1 Year-1.7%-4.7%25.1%22.4%20.3%17.8%
3 Year31.3%20.3%25.0%16.2%44.8%35.4%
5 Year52.0%35.2%74.6%55.5%71.3%52.4%

Price Volatility Vs. Market

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

Simply Wall St News


Is Standard AVB 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: STND ($29.4) is trading above our estimate of fair value ($11.73)

Significantly Below Fair Value: STND is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: STND is poor value based on its PE Ratio (16x) compared to the Mortgage industry average (14.4x).

PE vs Market: STND is good value based on its PE Ratio (16x) compared to the US market (18.4x).

Price to Earnings Growth Ratio

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

Price to Book Ratio

PB vs Industry: STND 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 Standard AVB 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 Standard AVB 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.

Next Steps

Past Performance

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


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: STND has high quality earnings.

Growing Profit Margin: STND's current net profit margins (26.1%) are higher than last year (25.5%).

Past Earnings Growth Analysis

Earnings Trend: STND's earnings have grown significantly by 26% per year over the past 5 years.

Accelerating Growth: STND's earnings growth over the past year (0.3%) is below its 5-year average (26% per year).

Earnings vs Industry: STND earnings growth over the past year (0.3%) underperformed the Mortgage industry 23.1%.

Return on Equity

High ROE: STND's Return on Equity (6%) is considered low.

Return on Assets

Return on Capital Employed

Next Steps

Financial Health

How is Standard AVB 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

Inventory Level: STND has a low level of unsold assets or inventory.

Debt Coverage by Assets: STND's debt is not covered by short term assets (assets are 0.3x debt).

Financial Institutions Analysis

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

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

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

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

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

Level of Bad Loans: STND has an appropriate level of bad loans (0.33%)

Next Steps


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


Current Dividend Yield

Dividend Yield vs Market


Current dividend yield vs market & industry

Notable Dividend: STND's dividend (3.01%) is higher than the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: STND's dividend (3.01%) is low compared to the top 25% of dividend payers in the US market (3.67%).

Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, STND has been paying a dividend for less than 10 years.

Growing Dividend: STND's dividend payments have increased, but the company has only paid a dividend for 8 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (48.2%), STND's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


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


Average management tenure


Tim Zimmerman (68yo)





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 Finan ...

CEO Compensation Analysis

Compensation vs Market: Tim's total compensation ($USD574.34K) is about average for companies of similar size in the US market ($USD499.34K).

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

Management Age and Tenure


Average Tenure


Average Age

Experienced Management: STND's management team is considered experienced (2.7 years average tenure).

Board Age and Tenure


Average Tenure


Average Age

Experienced Board: STND's board of directors are seasoned and experienced ( 13.4 years average tenure).

Insider Trading

Insider Buying: STND insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

BuyUS$20,49005 Dec 19
Paul Iurlano
Member of the Board of Directors
Independent Director
Max PriceUS$29.40

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Management Team

  • Tim Zimmerman (68yo)

    CEO & Director

    • Tenure: 9.9yrs
    • Compensation: US$574.34k
  • Andy Hasley (55yo)

    President & Director

    • Tenure: 13.9yrs
    • Compensation: US$449.67k
  • Susan DeLuca (62yo)

    Chief Risk Officer & Senior VP

    • Tenure: 2.7yrs
  • Chris Chelli (50yo)

    Chief Credit Officer & Senior VP

    • Tenure: 2.7yrs
  • Sheila Crystaloski (55yo)

    Chief Technology Officer & Senior VP

    • Tenure: 0yrs
  • Kim Davis

    Corporate Secretary & Assistant to the CEO

    • Tenure: 0.8yrs
  • Sue Parente (56yo)

    Executive VP & CFO

    • Tenure: 3.9yrs
    • Compensation: US$290.04k
  • John Kline (53yo)

    Executive VP & Chief Lending Officer

    • Tenure: 1.3yrs

Board Members

  • Tim Zimmerman (68yo)

    CEO & Director

    • Tenure: 9.9yrs
    • Compensation: US$574.34k
  • Terence Graft (69yo)

    Chairman of the Board

    • Tenure: 11.9yrs
    • Compensation: US$42.00k
  • Dale Walker (69yo)

    Independent Director

    • Tenure: 20.9yrs
    • Compensation: US$36.00k
  • Andy Hasley (55yo)

    President & Director

    • Tenure: 13.9yrs
    • Compensation: US$449.67k
  • Greg Saxon (54yo)

    Vice Chairman

    • Tenure: 2.7yrs
    • Compensation: US$37.20k
  • Paul Iurlano (64yo)

    Independent Director

    • Tenure: 15.9yrs
    • Compensation: US$30.00k
  • William Ferri (74yo)

    Independent Director

    • Tenure: 12.9yrs
    • Compensation: US$30.00k
  • Dave Mathews (64yo)


    • Tenure: 13.9yrs
    • Compensation: US$194.52k
  • Thomas Rennie (69yo)

    Independent Director

    • Tenure: 11.9yrs
    • Compensation: US$30.00k
  • John Lally (63yo)

    Independent Director

    • Tenure: 10.9yrs
    • Compensation: US$32.00k

Company Information

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

Key Information

  • Name: Standard AVB Financial Corp.
  • Ticker: STND
  • Exchange: NasdaqCM
  • Founded: 1913
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$133.121m
  • Shares outstanding: 4.53m
  • Website:

Number of Employees


  • Standard AVB Financial Corp.
  • 2640 Monroeville Boulevard
  • Monroeville
  • Pennsylvania
  • 15146
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
STNDNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDOct 2010


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 ...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/12/11 00:29
End of Day Share Price2019/12/10 00:00
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.