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Apollo Bancorp OTCPK:APLO Stock Report

Last Price


Market Cap







29 Jun, 2022


Company Financials
APLO fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance2/6
Financial Health6/6

APLO Stock Overview

Apollo Bancorp, Inc. operates as the bank holding company for Apollo Trust Company that provides banking products and services in Pennsylvania.

Apollo Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Apollo Bancorp
Historical stock prices
Current Share PriceUS$56.46
52 Week HighUS$125.00
52 Week LowUS$41.25
1 Month Change2.66%
3 Month Changen/a
1 Year Change35.40%
3 Year Change37.74%
5 Year Change29.76%
Change since IPO25.47%

Recent News & Updates

Shareholder Returns

APLOUS BanksUS Market

Return vs Industry: APLO exceeded the US Banks industry which returned -16.9% over the past year.

Return vs Market: APLO exceeded the US Market which returned -20.4% over the past year.

Price Volatility

Is APLO's price volatile compared to industry and market?
APLO volatility
APLO Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.2%

Stable Share Price: Insufficient data to determine APLO's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine APLO's volatility change over the past year.

About the Company

1871n/aNelson Person

Apollo Bancorp, Inc. operates as the bank holding company for Apollo Trust Company that provides banking products and services in Pennsylvania. It accepts business, consumer checking, consumer savings, money market deposits, holiday clubs, as well as certificates of deposit, individual retirement accounts, and FDIC insurance. The company also offers mortgages, home equity loans, auto and personal loans, and construction and lot loans; and commercial loans, commercial credit lines, and commercial real estate loans.

Apollo Bancorp Fundamentals Summary

How do Apollo Bancorp's earnings and revenue compare to its market cap?
APLO fundamental statistics
Market CapUS$29.35m
Earnings (TTM)US$1.86m
Revenue (TTM)US$7.80m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
APLO income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$7.80m
Other ExpensesUS$5.94m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date


Earnings per share (EPS)3.57
Gross Margin100.00%
Net Profit Margin23.80%
Debt/Equity Ratio0.0%

How did APLO perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is APLO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for APLO?

Other financial metrics that can be useful for relative valuation.

APLO key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does APLO's PE Ratio compare to its peers?

APLO PE Ratio vs Peers
The above table shows the PE ratio for APLO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average12x
INFT Infinity Bank
FRFC First Robinson Financial
MNBP Mars Bancorp
PPAL Peoples Trust Company of St. Albans
APLO Apollo Bancorp

Price-To-Earnings vs Peers: APLO is expensive based on its Price-To-Earnings Ratio (15.8x) compared to the peer average (12x).

Price to Earnings Ratio vs Industry

How does APLO's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: APLO is expensive based on its Price-To-Earnings Ratio (15.8x) compared to the US Banks industry average (9.5x)

Price to Earnings Ratio vs Fair Ratio

What is APLO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

APLO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio15.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate APLO's Price-To-Earnings Fair Ratio for valuation analysis.

Share Price vs Fair Value

What is the Fair Price of APLO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: APLO ($56.46) is trading below our estimate of fair value ($81.1)

Significantly Below Fair Value: APLO is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

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

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Future Growth

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

Future Growth Score


Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


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 Apollo 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.

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  • Examine Apollo Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  • 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 Apollo Bancorp's filings and announcements here.

Past Performance

How has Apollo Bancorp performed over the past 5 years?

Past Performance Score


Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: APLO has high quality earnings.

Growing Profit Margin: APLO's current net profit margins (23.8%) are lower than last year (24.8%).

Past Earnings Growth Analysis

Earnings Trend: APLO's earnings have grown by 3.4% per year over the past 5 years.

Accelerating Growth: APLO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: APLO had negative earnings growth (-1.8%) over the past year, making it difficult to compare to the Banks industry average (20.7%).

Return on Equity

High ROE: APLO's Return on Equity (8.3%) is considered low.

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Financial Health

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

Financial Health Score


Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: APLO's Assets to Equity ratio (8.4x) is low.

Allowance for Bad Loans: APLO has a sufficient allowance for bad loans (23873%).

Low Risk Liabilities: 99% of APLO's liabilities are made up of primarily low risk sources of funding.

Loan Level: APLO has an appropriate level of Loans to Assets ratio (75%).

Low Risk Deposits: APLO's Loans to Deposits ratio (87%) is appropriate.

Level of Bad Loans: APLO has an appropriate level of bad loans (0%).

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What is Apollo Bancorp current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: APLO's dividend (3.83%) is higher than the bottom 25% of dividend payers in the US market (1.59%).

High Dividend: APLO's dividend (3.83%) is low compared to the top 25% of dividend payers in the US market (4.25%).

Stability and Growth of Payments

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

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

Current Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (59.9%), APLO's dividend payments are covered by earnings.

Future Payout to Shareholders

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

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


Average management tenure


Nelson Person



Mr. Nelson L. Person, CPA, serves as the Chief Executive Officer, President and Director at Apollo Bancorp, Inc. Mr. Person has been the Chief Executive Officer, President and Director of Apollo Trust Comp...

Leadership Team

Experienced Management: APLO's management team is considered experienced (3.5 years average tenure).


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

Top Shareholders

Company Information

Apollo Bancorp, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: Apollo Bancorp, Inc.
  • Ticker: APLO
  • Exchange: OTCPK
  • Founded: 1871
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$29.346m
  • Shares outstanding: 519.76k
  • Website:


  • Apollo Bancorp, Inc.
  • 201 North Warren Avenue
  • PO Box 247
  • Apollo
  • Pennsylvania
  • 15613
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/29 00:00
End of Day Share Price2022/06/16 00:00
Annual Earnings2021/12/31

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.