OTCPK:BCBH.F

Stock Analysis Report

Caribbean Investment Holdings

Executive Summary

Caribbean Investment Holdings Limited, through its subsidiaries, provides banking and financial services in Belize and internationally.

Snowflake

Fundamentals

Undervalued with adequate balance sheet.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-24.2%

BCBH.F

1.2%

US Banks

0.6%

US Market


1 Year Return

n/a

BCBH.F

0.03%

US Banks

6.2%

US Market

Return vs Industry: Insufficient data to determine how BCBH.F performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BCBH.F performed against the US Market.


Share holder returns

BCBH.FIndustryMarket
7 Day-24.2%1.2%0.6%
30 Day-24.2%-2.2%-1.8%
90 Dayn/a-0.06%-2.0%
1 Yearn/a2.9%0.03%8.6%6.2%
3 Year90.0%90.0%51.4%40.9%45.7%36.3%
5 Year-15.6%-15.6%70.7%52.1%68.5%50.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Undervalued: BCBH.F ($0.15) is trading below our estimate of fair value ($1.3)

Significantly Undervalued: BCBH.F is trading below fair value by more than 20%.


Price Based on Earnings

PE vs Industry: BCBH.F is good value based on its PE Ratio (1.9x) compared to the Banks industry average (12.5x).

PE vs Market: BCBH.F is good value based on its PE Ratio (1.9x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate BCBH.F's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: BCBH.F is good value based on its PB Ratio (0.2x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

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

3.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: BCBH.F's forecast earnings growth (3.9% per year) is above the savings rate (2.7%).

Earnings vs Market: BCBH.F's earnings (3.9% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: BCBH.F's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if BCBH.F's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if BCBH.F'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 BCBH.F's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Caribbean Investment Holdings performed over the past 5 years?

65.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BCBH.F has become profitable over the past 5 years, growing earnings by 65.9% per year.

Accelerating Growth: BCBH.F's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BCBH.F had negative earnings growth (-48.1%) over the past year, making it difficult to compare to the Banks industry average (31.8%).


Return on Equity

High ROE: BCBH.F's Return on Equity (11.9%) is considered low.


Return on Assets

ROA vs Industry: BCBH.F has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BCBH.F's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Caribbean Investment 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

Inventory Level: BCBH.F has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if BCBH.F's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: BCBH.F's level of assets compared to its equity is low.

Allowance for Bad Loans: BCBH.F has a low allowance for bad loans.

Low Risk Liabilities: BCBH.F's liabilities are made up of primarily low risk sources of funding.

Loan Level: BCBH.F has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BCBH.F's loans are broadly funded by customer deposits.

Level of Bad Loans: BCBH.F has a high level of bad loans (5.12%)


Next Steps

Dividend

What is Caribbean Investment Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate BCBH.F's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate BCBH.F's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if BCBH.F's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BCBH.F's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BCBH.F's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

4.2yrs

Average management tenure


CEO

Lyndon Guiseppi (55yo)

11.3yrs

Tenure

0

Mr. Lyndon R. Guiseppi serves as the Managing Director of RBTT Merchant Bank Limited at RBC Financial (Caribbean) Limited. Mr. Guiseppi has been the Chief Executive Officer of Caribbean Investment Holding ...


Management Age and Tenure

4.2yrs

Average Tenure

56yo

Average Age

Experienced Management: BCBH.F's management team is considered experienced (4.2 years average tenure).


Board Age and Tenure

11.3yrs

Average Tenure

66.5yo

Average Age

Experienced Board: BCBH.F's board of directors are seasoned and experienced ( 11.3 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Philip Osborne (56yo)

    Legal Counsel

    • Tenure: 12.7yrs
  • Martin Marshalleck

    General Manager of Risk - Belize Bank Limited and Executive Director - Belize Bank Limited

    • Tenure: 0yrs
  • Michael Coye (66yo)

    Chief Financial Officer

    • Tenure: 4.2yrs
  • Jose Eloy Cardona

    Chief Information Officer

    • Tenure: 4.1yrs
  • Lyndon Guiseppi (55yo)

    CEO & Director

    • Tenure: 11.3yrs

Board Members

  • Peter Michael Gaze (68yo)

    Chairman of the Board

    • Tenure: 0yrs
  • Philip Osborne (56yo)

    Legal Counsel

    • Tenure: 12.7yrs
  • Euric Bobb (76yo)

    Non-Executive Director

    • Tenure: 11.8yrs
  • Martin Marshalleck

    General Manager of Risk - Belize Bank Limited and Executive Director - Belize Bank Limited

    • Tenure: 0yrs
  • Lyndon Guiseppi (55yo)

    CEO & Director

    • Tenure: 11.3yrs
  • Ydahlia Metzgen-Quemarez (66yo)

    Non-Executive-Director

    • Tenure: 5.3yrs
  • Geraldine Priscilla Davis-Young (67yo)

    Non-Executive Director

    • Tenure: 1.5yrs

Company Information

Caribbean Investment Holdings Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Caribbean Investment Holdings Limited
  • Ticker: BCBH.F
  • Exchange: OTCPK
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: UK£16.421m
  • Listing Market Cap: UK£20.827m
  • Shares outstanding: 99.52m
  • Website: https://www.cihltd.co

Location

  • Caribbean Investment Holdings Limited
  • 212 North Front Street
  • PO Box 1764
  • Belize City
  • Belize

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CIHLAIM (London Stock Exchange AIM Market)YesOrdinary SharesGBGBPMay 1992
BCBH.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMay 1992

Biography

Caribbean Investment Holdings Limited, through its subsidiaries, provides banking and financial services in Belize and internationally. The company offers savings accounts, non-interest bearing and interes ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/13 00:34
End of Day Share Price2019/10/10 00:00
Earnings2019/03/31
Annual Earnings2019/03/31


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.

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