OTCPK:ABTO

Stock Analysis Report

Executive Summary

AB&T Financial Corporation operates as the holding company for Alliance Bank & Trust Company that provides financial products and services.


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

How has AB&T Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events

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


Market Performance


7 Day Return

0%

ABTO

-7.0%

US Banks

-2.6%

US Market


1 Year Return

0%

ABTO

-32.9%

US Banks

-13.3%

US Market

Return vs Industry: ABTO exceeded the US Banks industry which returned -32.9% over the past year.

Return vs Market: ABTO exceeded the US Market which returned -13.3% over the past year.


Shareholder returns

ABTOIndustryMarket
7 Day0%-7.0%-2.6%
30 Day-16.0%-24.6%-15.2%
90 Day-12.5%-41.9%-22.2%
1 Year1.1%0%-30.8%-32.9%-11.5%-13.3%
3 Year-22.8%-23.6%-21.4%-27.3%13.2%5.7%
5 Year21.3%20.0%2.7%-9.2%31.8%17.2%

Price Volatility Vs. Market

How volatile is AB&T Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is AB&T Financial undervalued compared to its fair value and its price relative to the market?


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.


Next Steps

  • Take a look at our analysis of ABTO’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through AB&T Financial regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

-2.8%

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 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 SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of ABTO’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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.
  • Explore growth companies in the Banks industry.

Past Performance

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

16.3%

Historical Banks annual earnings growth


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.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at AB&T Financial's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • 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.
  • Explore strong past performing companies in the Banks industry.

Financial 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.


Next Steps

  • Take a look at our analysis of ABTO’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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.
  • 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.
  • Explore more healthy companies in the Banks industry.

Dividend

What is AB&T Financial's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate ABTO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate ABTO'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 ABTO's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ABTO'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 ABTO's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.5yrs

Average management tenure


CEO

Dan Boyd (57yo)

4.25s

Tenure

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 Offi ...


Leadership Team

NamePositionTenureCompensationOwnership
Roger Mobley
Executive VP & CFO10.17yrsUS$150.77kno data
Daniel Boyd
President4.25yrsno datano data
Betsy Martin
Controllerno datano datano data
Sally McArver
Senior Vice President of Alliance Bank & Trust and Retail Banking Manager of Alliance Bank & Trust6.67yrsno datano data
W. Quarles
Senior VP of Alliance Bank & Trust and Commercial Banking Manager of Alliance Bank & Trustno datano datano data
Dale Oliver
Senior VP of Alliance Bank & Regional President of Business Development of Alliance Bank2.75yrsno datano data

5.5yrs

Average Tenure

Experienced Management: ABTO's management team is seasoned and experienced (5.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Daniel Boyd
President4.25yrsno datano data
Terry Lee
Chairman of the Boardno datano datano data
Michael Haskew
Director3.25yrsno datano data
David White
Independent Director12.25yrsUS$3.45kno data
Carl Stewart
Directorno dataUS$4.15kno data
John Whaley
Directorno dataUS$8.39kno data
Don Harrison
Directorno datano datano data
Craig Taylor
Vice Chairman of the Board5.25yrsno datano data
Charles Yates
Director4.25yrsno datano data
Millie Holbrook
Directorno datano datano data

4.8yrs

Average Tenure

66yo

Average Age

Experienced Board: ABTO's board of directors are considered experienced (4.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

AB&T Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: AB&T Financial Corp.
  • Ticker: ABTO
  • Exchange: OTCPK
  • Founded: 2003
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$13.199m
  • Shares outstanding: 31.43m
  • Website: https://www.alliancebanknc.com

Location

  • AB&T Financial Corp.
  • 292 West Main Avenue
  • Gastonia
  • North Carolina
  • 28052
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ABTOOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2006

Biography

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. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/07 09:03
End of Day Share Price2020/03/27 00:00
Earnings2012/03/31
Annual Earnings2011/12/31


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.