APLO Stock Overview

Operates as the bank holding company for Apollo Trust Company that provides banking products and services in Pennsylvania. More details

APLO fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	1/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 29.6% below our estimate of its fair value

Pays a high and reliable dividend of 6.37%

Risk Analysis

Earnings have declined by 1.8% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($18M)

My Notes

Capture your thoughts, links and company narrative

Apollo Bancorp, Inc. Competitors

PFS Bancorp

OTCPK:PFSB

US$18.4m

First Bancorp of Indiana

OTCPK:FBPI

US$16.9m

Fleetwood Bank

OTCPK:FLEW

US$16.8m

CNB

OTCPK:CNBZ

US$20.9m

Price History & Performance

Summary of share price highs, lows and changes for Apollo Bancorp
Historical stock prices
Current Share Price	US$35.15
52 Week High	US$39.46
52 Week Low	US$33.76
Beta	0.40
1 Month Change	3.84%
3 Month Change	-3.62%
1 Year Change	-11.01%
3 Year Change	-29.70%
5 Year Change	-15.91%
Change since IPO	-21.89%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	APLO	US Banks	US Market
7D	0%	0.9%	-0.8%
1Y	-11.0%	41.1%	22.7%

Return vs Industry: APLO underperformed the US Banks industry which returned 41.1% over the past year.

Return vs Market: APLO underperformed the US Market which returned 22.7% over the past year.

Price Volatility

Is APLO's price volatile compared to industry and market?
APLO volatility
APLO Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: APLO's share price has been volatile over the past 3 months compared to the US market.

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	www.apollotrust.com

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

Apollo Bancorp, Inc. Fundamentals Summary

How do Apollo Bancorp's earnings and revenue compare to its market cap?
APLO fundamental statistics
Market cap	US$18.28m
Earnings (TTM)	US$1.67m
Revenue (TTM)	US$8.34m

10.9x

P/E Ratio

0.8x

P/B Ratio

Is APLO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
APLO income statement (TTM)
Revenue	US$8.34m
Cost of Revenue	US$0
Gross Profit	US$8.34m
Other Expenses	US$6.67m
Earnings	US$1.67m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.21
Gross Margin	100.00%
Net Profit Margin	20.04%
Debt/Equity Ratio	114.4%

How did APLO perform over the long term?

See historical performance and comparison

Dividends

6.4%

Current Dividend Yield

70%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/02 10:52
End of Day Share Price	2025/01/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Apollo Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution