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

BBBK is expensive based on its Price-To-Earnings Ratio (26.2x) compared to the peer average (10.6x).

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

BBBK is expensive based on its Price-To-Earnings Ratio (26.2x) compared to the US Banks industry average (12.4x).

What is BBBK'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.

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

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

BBBK ($34.34) is trading below our estimate of [[fair value]] ($73.4)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

BBBK Stock Overview

Operates as the bank holding company for Baker Boyer National Bank that provides various banking products and services in southeastern Washington and northeastern Oregon. More details

BBBK fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 53.2% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Earnings have declined by 15.2% per year over past 5 years

Dividend of 5.82% is either not well covered by earnings currently or not forecast to be covered

Profit margins (5.2%) are lower than last year (9.4%)

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

Baker Boyer Bancorp Competitors

FFW

OTCPK:FFWC

US$43.6m

Farmers and Merchants Bancshares

OTCPK:FMFG

US$46.7m

Mifflinburg Bancorp

OTCPK:MIFF

US$42.7m

Northeast Indiana Bancorp

OTCPK:NIDB

US$43.4m

Price History & Performance

Summary of share price highs, lows and changes for Baker Boyer Bancorp
Historical stock prices
Current Share Price	US$34.34
52 Week High	US$48.75
52 Week Low	US$30.05
Beta	0.19
1 Month Change	6.61%
3 Month Change	-0.46%
1 Year Change	-29.92%
3 Year Change	-50.94%
5 Year Change	-51.46%
Change since IPO	9.02%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	BBBK	US Banks	US Market
7D	-0.6%	-1.1%	-0.4%
1Y	-29.9%	29.5%	24.8%

Return vs Industry: BBBK underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: BBBK underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is BBBK's price volatile compared to industry and market?
BBBK volatility
BBBK Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
1869	n/a	Mark Kajita	www.bakerboyer.com

Baker Boyer Bancorp operates as the bank holding company for Baker Boyer National Bank that provides various banking products and services in southeastern Washington and northeastern Oregon. The company accepts personal and business checking and saving accounts; and offers home, construction, business, and personal loans, as well as home equity lines of credit. It also provides cash management services; and wealth management services, such as financial planning, investment, and trust and estate planning, as well as digital banking services.

Baker Boyer Bancorp Fundamentals Summary

How do Baker Boyer Bancorp's earnings and revenue compare to its market cap?
BBBK fundamental statistics
Market cap	US$44.33m
Earnings (TTM)	US$1.69m
Revenue (TTM)	US$32.74m

26.2x

P/E Ratio

0.9x

P/B Ratio

Is BBBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BBBK income statement (TTM)
Revenue	US$32.74m
Cost of Revenue	US$0
Gross Profit	US$32.74m
Other Expenses	US$31.05m
Earnings	US$1.69m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.31
Gross Margin	100.00%
Net Profit Margin	5.16%
Debt/Equity Ratio	76.8%

How did BBBK perform over the long term?

See historical performance and comparison

Dividends

5.8%

Current Dividend Yield

152%

Payout Ratio

Does BBBK pay a reliable dividends?

See BBBK dividend history and benchmarks

When do you need to buy BBBK by to receive an upcoming dividend?
Baker Boyer Bancorp dividend dates
Ex Dividend Date	Dec 20 2024
Dividend Pay Date	Dec 31 2024
Days until Ex dividend	6 days
Days until Dividend pay date	5 days

Does BBBK pay a reliable dividends?

See BBBK dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 20:01
End of Day Share Price	2024/12/23 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

Baker Boyer Bancorp 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