OTCPK:AQFH

Stock Analysis Report

Aquesta Financial Holdings

Executive Summary

Aquesta Financial Holdings, Inc., through its subsidiary, Aquesta Bank, provides commercial banking products and services in North Carolina.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • Aquesta Financial Holdings is not covered by any analysts.

Share Price & News

How has Aquesta Financial Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.8%

OTCPK:AQFH

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-11.2%

OTCPK:AQFH

-16.1%

US Banks

-3.0%

US Market

AQFH outperformed the Banks industry which returned -13.8% over the past year.

AQFH underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

AQFHIndustryMarket
7 Day0.8%-1.8%-1.6%
30 Day-0.3%-10.6%-5.8%
90 Day2.8%-5.0%0.2%
1 Year-10.5%-11.2%-13.7%-16.1%-0.8%-3.0%
3 Year59.0%54.3%37.9%28.5%38.0%29.1%
5 Year98.3%87.4%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Aquesta Financial Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Aquesta Financial Holdings undervalued based on future cash flows and its price relative to the stock market?

13.55x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Aquesta Financial Holdings's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Aquesta Financial Holdings's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Aquesta Financial Holdings is overvalued based on earnings compared to the US Banks industry average.

Aquesta Financial Holdings is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Aquesta Financial Holdings, we can't assess if its growth is good value.


Price Based on Value of Assets

Aquesta Financial Holdings is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Aquesta Financial Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Aquesta Financial Holdings is high growth as no revenue estimate data is available.

Aquesta Financial Holdings's earnings are expected to grow by 4.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare Aquesta Financial Holdings's revenue growth to the United States of America market average as no estimate data is available.

Aquesta Financial Holdings's earnings growth is positive but not above the United States of America market average.

Aquesta Financial Holdings's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Aquesta Financial Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Aquesta Financial Holdings performed over the past 5 years?

23.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Aquesta Financial Holdings has delivered over 20% year on year earnings growth in the past 5 years.

Aquesta Financial Holdings's 1-year earnings growth is less than its 5-year average (2.4% vs 23.9%)

Aquesta Financial Holdings's earnings growth has not exceeded the US Banks industry average in the past year (2.4% vs 33.1%).


Return on Equity

Aquesta Financial Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Aquesta Financial Holdings used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Aquesta Financial Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Aquesta Financial Holdings'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Aquesta Financial Holdings has an acceptable proportion of non-loan assets held.

Aquesta Financial Holdings has a sufficient allowance for bad loans.

Aquesta Financial Holdings's liabilities are made up of primarily low risk sources of funding.

Aquesta Financial Holdings's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Aquesta Financial Holdings are broadly funded by customer deposits.

Aquesta Financial Holdings has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Aquesta Financial Holdings's current dividend yield, its reliability and sustainability?

0.90%

Current Dividend Yield


Dividend Yield and Payments Analysis

Aquesta Financial Holdings's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Aquesta Financial Holdings's dividend is below the markets top 25% of dividend payers in United States of America (3.82%).

Whilst dividend payments have been stable, Aquesta Financial Holdings has been paying a dividend for less than 10 years.

Dividend payments have increased, but Aquesta Financial Holdings only paid a dividend in the past 6 years.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (8.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Aquesta Financial Holdings's salary, the management and board of directors tenure and is there insider trading?

1.6yrs

Average board tenure


CEO

Jim Engel (59yo)

0.0yrs

Tenure

0

James C. Engel is President and Chief Executive Officer of Aquesta Financial Holdings and Aquesta Bank and serves on the Board of Directors of both entities. He is an Attorney and former partner with the “ ...


Board Age and Tenure

1.6yrs

Average Tenure

53yo

Average Age

The average tenure for the Aquesta Financial Holdings board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Jim Engel (59yo)

    President

    • Tenure: 0.0yrs
  • Rick Hunt

    Senior Vice President Of Commercial Relationship Banker

    • Tenure: 0.6yrs

Board Members

  • Alison Smith (64yo)

    Director

    • Tenure: 1.6yrs
  • Charles Knox (53yo)

    Director

    • Tenure: 4.6yrs
  • Craig Larsen (53yo)

    Director

    • Tenure: 0.0yrs
  • Ginger Griffin (51yo)

    Director

    • Tenure: 0.0yrs
  • J. Goodrum (57yo)

    Director

    • Tenure: 0.0yrs
  • Jim Engel (59yo)

    President

    • Tenure: 0.0yrs
  • Jon Dressler (50yo)

    Director

    • Tenure: 0.0yrs
  • Paul Dougovito (71yo)

    Director

    • Tenure: 0.0yrs
  • Jim Borders (53yo)

    Chairman of the Board

    • Tenure: 0.6yrs
  • Paul Jaszewski

    Director

    • Tenure: 0.0yrs

Company Information

Aquesta Financial Holdings, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Aquesta Financial Holdings, Inc.
  • Ticker: AQFH
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$60.055m
  • Shares outstanding: 5.43m
  • Website: https://www.aquesta.com

Location

  • Aquesta Financial Holdings, Inc.
  • 19510 Jetton Road
  • Cornelius
  • North Carolina
  • 28031
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AQFHOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2012

Biography

Aquesta Financial Holdings, Inc., through its subsidiary, Aquesta Bank, provides commercial banking products and services in North Carolina. The company offers checking, savings, money market, and individu ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 00:45
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.