OTCPK:BEOB

Stock Analysis Report

Executive Summary

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington.

Snowflake

Fundamentals

Excellent balance sheet and good value.

Share Price & News

How has BEO Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

6.3%

BEOB

1.4%

US Banks

1.0%

US Market


1 Year Return

16.0%

BEOB

0.2%

US Banks

6.7%

US Market

Return vs Industry: BEOB exceeded the US Banks industry which returned 0.2% over the past year.

Return vs Market: BEOB exceeded the US Market which returned 6.7% over the past year.


Shareholder returns

BEOBIndustryMarket
7 Day6.3%1.4%1.0%
30 Day7.1%-2.6%-1.8%
90 Day3.0%0.8%-1.8%
1 Year19.4%16.0%3.1%0.2%9.1%6.7%
3 Year37.3%25.9%52.0%41.5%46.1%36.6%
5 Year70.7%47.8%69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is BEO Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is BEO Bancorp undervalued compared to its fair value and its price relative to the market?

19.4%

Undervalued compared to fair value


Share Price vs. Fair Value

Undervalued: BEOB ($34) is trading below our estimate of fair value ($42.21)

Significantly Undervalued: BEOB is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: BEOB is good value based on its PE Ratio (10.2x) compared to the Banks industry average (12.5x).

PE vs Market: BEOB is good value based on its PE Ratio (10.2x) compared to the US market (17.5x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

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


Next Steps

Future Growth

How is BEO Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BEOB's forecast earnings growth (2.6% per year) is below the savings rate (2.7%).

Earnings vs Market: BEOB's earnings (2.6% per year) are forecast to grow slower than the US market (14.5% per year).

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

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

High Growth Revenue: Insufficient data to determine if BEOB's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if BEOB's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has BEO Bancorp performed over the past 5 years?

8.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BEOB's earnings have grown by 8.1% per year over the past 5 years.

Accelerating Growth: BEOB's earnings growth over the past year (27.6%) exceeds its 5-year average (8.1% per year).

Earnings vs Industry: BEOB earnings growth over the past year (27.6%) underperformed the Banks industry 31.8%.


Return on Equity

High ROE: BEOB's Return on Equity (11.4%) is considered low.


Return on Assets

ROA vs Industry: BEOB's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

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


Next Steps

Financial Health

How is BEO 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: BEOB has a low level of unsold assets or inventory.

Debt Coverage by Assets: BEOB's debt is covered by short term assets (assets are 4.233050x debt).


Financial Institutions Analysis

Asset Level: BEOB's level of assets compared to its equity is moderate.

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

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

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

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

Level of Bad Loans: BEOB has an appropriate level of bad loans (1.54%)


Next Steps

Dividend

What is BEO Bancorp's current dividend yield, its reliability and sustainability?

2.50%

Current Dividend Yield


Dividend Yield vs Market

company2.5%marketbottom25%1.5%markettop25%3.8%industryaverage3.1%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BEOB's dividend (2.5%) is higher than the bottom 25% of dividend payers in the US market (1.46%).

High Dividend: BEOB's dividend (2.5%) is low compared to the top 25% of dividend payers in the US market (3.77%).

Stable Dividend: Whilst dividend payments have been stable, BEOB has been paying a dividend for less than 10 years.

Growing Dividend: BEOB's dividend payments have increased, but the company has only paid a dividend for 9 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (25.5%), BEOB's dividend payments are well 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 BEO Bancorp's salary, the management and board of directors tenure and is there insider trading?

13.8yrs

Average management tenure


CEO

Jeff Bailey (53yo)

10.8yrs

Tenure

0

Mr. Jeffery L. Bailey, also known as Jeff is President and CEO, of Bank of Eastern Oregon. He has spent 20 years with Bank of Eastern Oregon serving as Branch Manager, Loan Officer, and Chief Credit Office ...


Management Age and Tenure

13.8yrs

Average Tenure

Experienced Management: BEOB's management team is seasoned and experienced (13.8 years average tenure).


Board Age and Tenure

15.8yrs

Average Tenure

62yo

Average Age

Experienced Board: BEOB's board of directors are seasoned and experienced ( 15.8 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.


Management Team

  • Jeff Bailey (53yo)

    President

    • Tenure: 10.8yrs
  • Gary Propheter

    Executive VP & COO

    • Tenure: 13.8yrs
  • Mark Lemmon

    Executive VP

    • Tenure: 13.8yrs
  • Ed Rollins

    • Tenure: 0yrs

Board Members

  • Bob Armstrong (59yo)

    Director

    • Tenure: 15.8yrs
  • E. Koffler (67yo)

    Director

    • Tenure: 26.8yrs
  • Joel Peterson (62yo)

    Chairman of the Board

    • Tenure: 1.5yrs
  • Jeff Bailey (53yo)

    President

    • Tenure: 10.8yrs
  • Gary Neal (66yo)

    Director

    • Tenure: 20.8yrs
  • Brad Anderson (54yo)

    Director

    • Tenure: 15.8yrs
  • Joe Gonzalez (65yo)

    Vice Chairman

    • Tenure: 1.5yrs

Company Information

BEO Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: BEO Bancorp
  • Ticker: BEOB
  • Exchange: OTCPK
  • Founded: 1945
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$40.195m
  • Shares outstanding: 1.18m
  • Website: https://www.beobank.com

Location

  • BEO Bancorp
  • 279 North Main
  • Heppner
  • Oregon
  • 97836
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BEOBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2004

Biography

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Sout ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 23:53
End of Day Share Price2019/10/14 00:00
Earnings2018/12/31
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.