OTCPK:AFBA

Stock Analysis Report

Allied First Bancorp

Executive Summary

Allied First Bancorp Inc. operates as a holding company for Allied First Bank that provides various banking products and services in the United States.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

AFBA

2.7%

US Banks

0.5%

US Market


1 Year Return

n/a

AFBA

2.9%

US Banks

6.8%

US Market

Return vs Industry: Insufficient data to determine how AFBA performed against the US Banks industry.

Return vs Market: Insufficient data to determine how AFBA performed against the US Market.


Shareholder returns

AFBAIndustryMarket
7 Day0%2.7%0.5%
30 Day0%1.1%-0.8%
90 Day3.6%2.7%-0.9%
1 Yearn/a5.8%2.9%9.2%6.8%
3 Yearn/a52.0%41.5%45.6%36.2%
5 Year470.3%470.3%69.2%50.7%63.2%45.4%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Allied First Bancorp undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Allied First Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Allied First Bancorp 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 AFBA’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 Allied First Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Allied First Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.8%

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 Allied First 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

  • Take a look at our analysis of AFBA’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 Allied First Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Allied First Bancorp performed over the past 5 years?

15.6%

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, Allied First Bancorp 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

Financial Health

How is Allied First Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Allied First Bancorp'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. Allied First Bancorp 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 AFBA’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 Allied First Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

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

Stable Dividend: Insufficient data to determine if AFBA's dividends per share have been stable in the past.

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


Next Steps

Management

What is the CEO of Allied First Bancorp's salary, the management and board of directors tenure and is there insider trading?

11.0yrs

Average board tenure


CEO

Ken Bertrand (62yo)

25.8yrs

Tenure

US$218,150

Compensation

Mr. Kenneth L. Bertrand, also known as Ken has been President, Chief Executive Officer of Allied First Bancorp Inc. since 1994 and Director since 1996 and served as Principal Operating Officer. Mr. Bertran ...


Board Age and Tenure

11.0yrs

Average Tenure

63yo

Average Age

Experienced Board: AFBA's board of directors are seasoned and experienced ( 11 years average tenure).


Insider Trading

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


Management Team

  • Ken Bertrand (62yo)

    President

    • Tenure: 25.8yrs
    • Compensation: US$218.15k
  • Kenneth Holmstrom (65yo)

    Senior VP of Operations

    • Tenure: 0yrs

Board Members

  • Ken Bertrand (62yo)

    President

    • Tenure: 25.8yrs
    • Compensation: US$218.15k
  • John Maxwell (74yo)

    Chairman of the Board

    • Tenure: 25.8yrs
  • Jeffrey Price (63yo)

    Independent Director

    • Tenure: 11yrs
  • Tom Reber (50yo)

    Independent Director

    • Tenure: 6.3yrs
  • Terry Banker (76yo)

    Independent Director

    • Tenure: 11yrs
  • Alice Radke (66yo)

    Director

    • Tenure: 2.8yrs
  • Andy Patel (62yo)

    Director

    • Tenure: 2.8yrs

Company Information

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


Key Information

  • Name: Allied First Bancorp Inc.
  • Ticker: AFBA
  • Exchange: OTCPK
  • Founded: 1994
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$1.701m
  • Shares outstanding: 1.49m
  • Website: https://www.alliedfirst.com

Location

  • Allied First Bancorp Inc.
  • 3201 Orchard Road
  • Oswego
  • Illinois
  • 60543
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AFBAOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 2001

Biography

Allied First Bancorp Inc. operates as a holding company for Allied First Bank that provides various banking products and services in the United States. It accepts various deposits, such as free checking, i ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/20 23:31
End of Day Share Price2019/10/17 00:00
Earnings2005/03/31
Annual Earnings2004/06/30


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.