| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | US$56.46 |
| 52 Week High | US$125.00 |
| 52 Week Low | US$41.25 |
| Beta | 0.49 |
| 1 Month Change | 2.66% |
| 3 Month Change | n/a |
| 1 Year Change | 35.40% |
| 3 Year Change | 37.74% |
| 5 Year Change | 29.76% |
| Change since IPO | 25.47% |
Recent News & Updates
Shareholder Returns
| APLO | US Banks | US Market | |
|---|---|---|---|
| 7D | 0% | -0.01% | 1.6% |
| 1Y | 35.4% | -18.2% | -20.8% |
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
| APLO volatility | |
|---|---|
| APLO Average Weekly Movement | n/a |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 8.1% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.2% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1871 | n/a | Nelson Person | https://www.apollotrust.com |
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
| APLO fundamental statistics | |
|---|---|
| Market Cap | US$29.35m |
| Earnings (TTM) | US$1.86m |
| Revenue (TTM) | US$7.80m |
15.8x
P/E Ratio1.3x
P/B RatioIs APLO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| APLO income statement (TTM) | |
|---|---|
| Revenue | US$7.80m |
| Cost of Revenue | US$0 |
| Gross Profit | US$7.80m |
| Other Expenses | US$5.94m |
| Earnings | US$1.86m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.57 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.80% |
| Debt/Equity Ratio | 0.0% |
How did APLO perform over the long term?
See historical performance and comparisonDividends
3.8%
Current Dividend Yield60%
Payout RatioValuation
Is APLO undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation 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.
| What is APLO's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$29.35m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does APLO's PE Ratio compare to its peers?
| APLO PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 12x | ||
INFT Infinity Bank | 8.6x | n/a | US$29.1m |
FRFC First Robinson Financial | 9.5x | n/a | US$25.9m |
MNBP Mars Bancorp | 16.1x | n/a | US$30.1m |
PPAL Peoples Trust Company of St. Albans | 14.4x | n/a | US$31.5m |
APLO Apollo Bancorp | 15.8x | n/a | US$29.3m |
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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 15.8x |
| Fair PE Ratio | n/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.
Discover undervalued companies
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
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
10.3%
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.
Discover growth companies
- 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
2/6Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
3.4%
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.
Discover strong past performing companies
Financial Health
How is Apollo Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial 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%).
Discover healthy companies
Dividend
What is Apollo Bancorp current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
3.82%
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.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
3.5yrs
Average management tenure
CEO
Nelson Person
12.83yrs
Tenure
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).
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: 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: https://www.apollotrust.com
Location
- Apollo Bancorp, Inc.
- 201 North Warren Avenue
- PO Box 247
- Apollo
- Pennsylvania
- 15613
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/29 00:00 |
| End of Day Share Price | 2022/06/16 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.