Apollo Bancorp
Market Cap
US$21.2m
Last Updated
2019/10/13 00:27 UTC
Data Sources
Company Financials
Executive Summary
Apollo Bancorp, Inc. operates as the bank holding company for Apollo Trust Company that provides banking products and services in Pennsylvania.
Snowflake
Fundamentals
Flawless balance sheet and fair value.
Similar Companies
Share Price & News
How has Apollo Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.1%
APLO
1.4%
US Banks
1.0%
US Market
1 Year Return
n/a
APLO
0.2%
US Banks
6.7%
US Market
Return vs Industry: Insufficient data to determine how APLO performed against the US Banks industry.
Return vs Market: Insufficient data to determine how APLO performed against the US Market.
Share holder returns
| APLO | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.1% | 1.4% | 1.0% |
| 30 Day | -1.2% | -2.6% | -1.8% |
| 90 Day | n/a | 0.8% | -1.8% |
| 1 Year | n/a | 3.1%0.2% | 9.1%6.7% |
| 3 Year | 16.0%1.2% | 52.0%41.5% | 46.1%36.6% |
| 5 Year | 14.5%-8.9% | 69.7%51.2% | 66.9%48.6% |
Price Volatility Vs. Market
How volatile is Apollo Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Apollo Bancorp undervalued based on future cash flows and its price relative to the stock market?
11.55x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Undervalued: APLO ($41) is trading above our estimate of fair value ($30.17)
Significantly Undervalued: APLO is trading above our estimate of fair value.
Price Based on Earnings
PE vs Industry: APLO is good value based on its PE Ratio (11.5x) compared to the Banks industry average (12.5x).
PE vs Market: APLO is good value based on its PE Ratio (11.5x) compared to the US market (17.5x).
Price Based on Expected Growth
Low PEG Ratio: Insufficient data to calculate APLO's PEG Ratio to determine if it is good value.
Price Based on Value of Assets
PB vs Industry: APLO is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Apollo Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
4.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Earnings vs Savings Rate: APLO's forecast earnings growth (4.7% per year) is above the savings rate (2.7%).
Earnings vs Market: APLO's earnings (4.7% per year) are forecast to grow slower than the US market (14.5% per year).
High Growth Earnings: APLO's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if APLO's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if APLO's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Estimates
Future Return on Equity
High Future ROE: Insufficient data to determine if APLO's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Apollo Bancorp performed over the past 5 years?
6.7%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: APLO's earnings have grown by 6.7% 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 (-1.3%) over the past year, making it difficult to compare to the Banks industry average (31.8%).
Return on Equity
High ROE: APLO's Return on Equity (8.8%) is considered low.
Return on Assets
ROA vs Industry: APLO has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate APLO's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Apollo Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: APLO has a low level of unsold assets or inventory.
Debt Coverage by Assets: APLO's debt is not covered by short term assets (assets are 0.3x debt).
Financial Institutions Analysis
Asset Level: APLO's level of assets compared to its equity is low.
Allowance for Bad Loans: APLO has a sufficient allowance for bad loans.
Low Risk Liabilities: APLO's liabilities are made up of primarily low risk sources of funding.
Loan Level: APLO has an acceptable proportion of non-loan assets held.
Low Risk Deposits: APLO's loans are broadly funded by customer deposits.
Level of Bad Loans: APLO has an appropriate level of bad loans (0.21%)
Next Steps
Dividend
What is Apollo Bancorp's current dividend yield, its reliability and sustainability?
4.98%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Dividend Yield and Payments Analysis
Notable Dividend: APLO's dividend (4.98%) is higher than the bottom 25% of dividend payers in the US market (1.46%).
High Dividend: APLO's dividend (4.98%) is in the top 25% of dividend payers in the US market (3.77%)
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 6 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (57.2%), 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 and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Apollo Bancorp's salary, the management and board of directors tenure and is there insider trading?
CEO
Nelson Person 0
0yrs
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 ...
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
Nelson Person
President
- Tenure: 0yrs
Barbara Calizzi
Executive VP
- Tenure: 0yrs
Carolyn Bash
Assistant Secretary & Assistant Treasurer
- Tenure: 0yrs
Bob Kastan (59yo)
VP, Treasurer & CFO
- Tenure: 0yrs
Julia Holmes
Assistant VP of Risk Management & Assistant Secretary
- Tenure: 0yrs
Kirk Montgomery
VP & Chief Information Officer
- Tenure: 0yrs
Board Members
Nelson Person
President
- Tenure: 0yrs
Karen Stanford
Director
- Tenure: 0yrs
John Dormire
Director
- Tenure: 0yrs
Antonio DiFilippo
Director Emeritus
- Tenure: 0yrs
Richard Hildebrand
Director
- Tenure: 0yrs
Dickson Forbes
Director
- Tenure: 0yrs
Larry Loperfito
Director
- Tenure: 0yrs
Company Information
Apollo Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Apollo Bancorp, Inc.
- Ticker: APLO
- Exchange: OTCPK
- Founded: 1871
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$21.236m
- Shares outstanding: 517.95k
- Website: https://www.apollotrust.com
Location
- Apollo Bancorp, Inc.
- 201 North Warren Avenue
- PO Box 247
- Apollo
- Pennsylvania
- 15613
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| APLO | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Oct 2003 |
Biography
Apollo Bancorp, Inc. operates as the bank holding company for Apollo Trust Company that provides banking products and services in Pennsylvania. It accepts checking, NOW, order checks, savings, youth, Chris ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/13 00:27 |
| End of Day Share Price | 2019/10/08 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.