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AB&T Financial

OTCPK:ABTO
Snowflake Description

Weak fundamentals or lack of information.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ABTO
OTCPK
$14M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

AB&T Financial Corporation operates as the holding company for Alliance Bank & Trust Company that provides financial products and services. The last earnings update was 2652 days ago. More info.


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  • AB&T Financial has significant price volatility in the past 3 months.
ABTO Share Price and Events
7 Day Returns
0%
OTCPK:ABTO
-2.6%
US Banks
-1%
US Market
1 Year Returns
-32.8%
OTCPK:ABTO
-14.2%
US Banks
-0.4%
US Market
ABTO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
AB&T Financial (ABTO) 0% 7.5% -4.4% -32.8% 7.5% 7.5%
US Banks -2.6% -6.3% -3.5% -14.2% 32.4% 36.7%
US Market -1% -3.3% 0.8% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • ABTO underperformed the Banks industry which returned -14.2% over the past year.
  • ABTO underperformed the Market in United States of America which returned -0.4% over the past year.
Price Volatility
Industry
5yr Volatility vs Market

ABTO Value

 Is AB&T 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.

In this section, we usually try to help investors determine whether AB&T Financial is trading at an attractive price based on the cash flow it is expected to produce in the future. But as AB&T Financial has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.

Show me the analysis anyway

INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for AB&T Financial. This is due to cash flow or dividend data being unavailable. The share price is $0.43.
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 AB&T Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are AB&T Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:ABTO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2012-03-31) in USD Not available
OTCPK:ABTO Share Price ** OTCPK (2019-08-15) in USD $0.43
United States of America Banks Industry PE Ratio Median Figure of 598 Publicly-Listed Banks Companies 12.29x
United States of America Market PE Ratio Median Figure of 3,096 Publicly-Listed Companies 17.26x

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

** Primary Listing of AB&T Financial.

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

  • Unable to compare the PE ratio to the industry average as no data exists.
  • Unable to calculate PE ratio for AB&T Financial, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does AB&T Financial's expected growth come at a high price?
Raw Data
OTCPK:ABTO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 0x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Banks Industry PEG Ratio Median Figure of 274 Publicly-Listed Banks Companies 1.12x
United States of America Market PEG Ratio Median Figure of 2,126 Publicly-Listed Companies 1.4x

*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 AB&T Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on AB&T Financial's assets?
Raw Data
OTCPK:ABTO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2012-03-31) in USD Not available
OTCPK:ABTO Share Price * OTCPK (2019-08-15) in USD $0.43
United States of America Banks Industry PB Ratio Median Figure of 601 Publicly-Listed Banks Companies 1.16x
United States of America Market PB Ratio Median Figure of 5,273 Publicly-Listed Companies 1.7x

* Primary Listing of AB&T Financial.

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

  • Unable to compare the PB ratio to the industry average as no data exists.
X
Value checks
We assess AB&T 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 Banks 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 Banks industry average (and greater than 0)? (1 check)
  5. AB&T Financial has a total score of 0/6, 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.

ABTO Future Performance

 How is AB&T Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

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 AB&T 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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

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
1.5%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is AB&T Financial expected to grow at an attractive rate?
  • Unable to compare AB&T Financial's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare AB&T Financial's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare AB&T Financial's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:ABTO Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.5%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*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
OTCPK:ABTO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (7 years 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.
OTCPK:ABTO Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2012-03-31 4 2 -3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if AB&T Financial is high growth as no earnings estimate data is available.
  • Unable to determine if AB&T 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
OTCPK:ABTO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (7 years ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from AB&T Financial Company Filings, last reported 7 years ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:ABTO Past Financials Data
Date (Data in USD Millions) EPS *
2012-03-31 -1.22

*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 AB&T Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. AB&T Financial's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  2. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access AB&T Financial's filings and announcements here.
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess AB&T 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.
AB&T Financial has a total score of 0/6, 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.

ABTO Past Performance

  How has AB&T Financial performed over the past 5 years?

In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, AB&T Financial has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data. You can see them here.

Show me the analysis anyway

  • AB&T Financial's last earnings update was 2652 days ago.
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 AB&T Financial's growth in the last year to its industry (Banks).
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.
  • Insufficient past earnings data to establish if AB&T Financial's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare AB&T Financial's 1-year growth to the 5-year average as past earnings data has not been reported.
  • Unable to compare AB&T Financial's 1-year growth to the US Banks industry average as past earnings data has not been reported.
Earnings and Revenue History
AB&T 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 AB&T Financial Company Filings, last reported 7 years ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:ABTO Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2012-03-31 3.71 -3.26 3.17

*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.
  • Unable to establish if AB&T Financial has efficiently used shareholders’ funds last year as no Return on Equity data is available.
  • Unable to establish if AB&T Financial has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as past financial data has not been reported.
  • Unable to establish if AB&T Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.

Next steps:

  1. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access AB&T Financial's filings and announcements here.
  2. Past financial records are usually unavailable for companies that have just been established or recently publicly listed, which makes them inherently riskier. Take a look at a list of well-established companies here.
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Past performance checks
We assess AB&T 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 Banks 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.
AB&T Financial has a total score of 0/6, 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.

ABTO Health

 How is AB&T Financial's financial position? (This company is analysed differently as a bank or financial institution)

In this section we usually analyse AB&T Financial's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. AB&T Financial has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information. You can see them here.

Show me the analysis anyway

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 AB&T 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 AB&T Financial Company Filings, last reported 7 years ago.

OTCPK:ABTO Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2012-03-31 18.55 19.00 14.18
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.
  • Unable to establish if AB&T Financial has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if AB&T Financial's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • AB&T Financial reports no customer deposits, loans are made up entirely of borrowed funds.
  • Unable to establish if AB&T Financial's level of assets compared to its equity is high without balance sheet data.
  • Unable to establish if AB&T Financial has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if AB&T Financial has an acceptable level of bad loans without bad loans data.

Next steps:

  1. Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  2. Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when AB&T Financial's financial data was last updated here.
  3. Companies with strong financial health are considered a less risky investment. Discover these stocks here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Financial health checks
We assess AB&T 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. AB&T Financial has a total score of 0/6, 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.

ABTO Dividends

 What is AB&T 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
0%
Current annual income from AB&T Financial dividends.
If you bought $2,000 of AB&T Financial shares you are expected to receive $0 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?
  • Unable to evaluate AB&T Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate AB&T Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
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
OTCPK:ABTO 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 Banks Industry Average Dividend Yield Market Cap Weighted Average of 481 Stocks 3.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2010 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 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

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

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

  • Unable to perform a dividend volatility check as AB&T Financial has not reported any payouts.
  • Unable to verify if AB&T Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of AB&T Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as AB&T 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.
X
Income/ dividend checks
We assess AB&T 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 AB&T Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. AB&T Financial has a total score of 0/6, see the detailed checks below.


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

ABTO Management

 What is the CEO of AB&T 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
Dan Boyd
AGE 57
TENURE AS CEO 3.6 years
CEO Bio

Mr. Daniel M. Boyd IV, also known as Dan, has been the Chief Executive Officer and President of Alliance Bank & Trust Company at AB&T Financial Corp. since 2015. Mr. Boyd served as the Chief Operating Officer of Citizens South Banking Corp. and Citizens South Bank since February 25, 2008. He served as Acting President at AB&T Financial Corp. since December 10, 2015. Mr. Boyd served as Senior Executive Vice President of Citizens South Bank a subsidiary of Citizens South Banking Corp. since September 2002. He was Senior Vice President of Citizens South Banking Corp. He has more than thirty years of experience in retail and commercial banking and a wealth of market knowledge to his new role. Mr. Boyd’s extensive background includes being recruited in September 2002 to Citizens South Bank, where he held a number of positions. Mr. Boyd served as Regional Market President for Charlotte, N.C.-based NewDominion Bank in the Gaston County area. Mr. Boyd served as Group President of Gaston\York County of Citizens South Banking Corp. Mr. Boyd served as an Executive Vice President of Commercial Lending of First Gaston Bank of North Carolina from 1995 to September 2002. Prior to that, he served as Vice President of Commercial Banking and in various executive capacities in the commercial banking functions of Wachovia Bank N.A. from 1984 to July 1995. He was Chairman of the Board of Trustees for Gaston Day School. Mr. Boyd serves on the Gaston Day School Board of Trustees and the Board of Directors of the Gaston Regional Chamber of Commerce. He serves as a Deacon of Gastonia's First Presbyterian Church and is active with the United Way of Gaston County and the Schiele Museum of Natural History. Mr. Boyd earned a Bachelor of Science degree in Business Administration from Wake Forest University in 1983.

CEO Compensation
  • Insufficient data for Dan to compare compensation growth.
  • Insufficient data for Dan to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure of the AB&T Financial management team in years:

4.8
Average Tenure
  • The tenure for the AB&T Financial management team is about average.
Management Team

Roger Mobley

TITLE
Executive VP & CFO
COMPENSATION
$151K
AGE
48
TENURE
9.5 yrs

Dan Boyd

TITLE
President & CEO
AGE
57
TENURE
3.6 yrs

Betsy Martin

TITLE
Controller

Sally Dunn

TITLE
Senior Vice President of Alliance Bank & Trust and Retail Banking Manager of Alliance Bank & Trust
TENURE
6 yrs

W. Quarles

TITLE
Senior VP of Alliance Bank & Trust and Commercial Banking Manager of Alliance Bank & Trust

Dale Oliver

TITLE
Senior VP of Alliance Bank & Regional President of Business Development of Alliance Bank
TENURE
2.1 yrs
Board of Directors Tenure

Average tenure and age of the AB&T Financial board of directors in years:

4.6
Average Tenure
66
Average Age
  • The tenure for the AB&T Financial board of directors is about average.
Board of Directors

Terry Lee

TITLE
Chairman of the Board
AGE
64

Craig Taylor

TITLE
Vice Chairman of the Board
TENURE
4.6 yrs

David White

TITLE
Director
COMPENSATION
$3K
AGE
68
TENURE
11.6 yrs

Carl Stewart

TITLE
Director
COMPENSATION
$4K
AGE
82

Don Harrison

TITLE
Director

Mike Haskew

TITLE
Director
AGE
56
TENURE
2.6 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess AB&T 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. AB&T 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.

ABTO News

Simply Wall St News

ABTO Company Info

Description

AB&T Financial Corporation operates as the holding company for Alliance Bank & Trust Company that provides financial products and services. It offers checking and savings accounts; personal and commercial lending and credits; mortgage solutions; loan payment options; and wealth and cash management products. The company also provides remote deposit capture, merchant services, business credit cards, business overdraft protection, and online and mobile banking services. It operates four North Carolina banking offices in Gastonia, Kings Mountain, and Shelby. AB&T Financial Corporation was founded in 2003 and is based in Gastonia, North Carolina.

Details
Name: AB&T Financial Corp.
ABTO
Exchange: OTCPK
Founded: 2003
$13,512,774
31,425,058
Website: http://www.alliancebanknc.com
Address: AB&T Financial Corp.
292 West Main Avenue,
Gastonia,
North Carolina, 28052,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK ABTO Common Stock Pink Sheets LLC US USD 10. Jul 2006
Number of employees
Current staff
Staff numbers
0
AB&T Financial employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/19 00:13
End of day share price update: 2019/08/15 00:00
Last earnings filing: 2012/05/15
Last earnings reported: 2012/03/31
Last annual earnings reported: 2011/12/31


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.