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

BEOB is good value based on its Price-To-Earnings Ratio (6.6x) compared to the peer average (8x).

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

BEOB is good value based on its Price-To-Earnings Ratio (6.6x) compared to the US Banks industry average (12.4x).

What is BEOB'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 BEOB's Price-To-Earnings Fair Ratio for valuation analysis.

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

BEOB ($76.25) is trading below our estimate of [[fair value]] ($119.11)

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.

BEOB Stock Overview

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. More details

BEOB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	6/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 36% below our estimate of its fair value

Earnings grew by 65.5% over the past year

Pays a reliable dividend of 1.64%

Risk Analysis

Shares are highly illiquid

Latest financial reports are more than 6 months old

Does not have a meaningful market cap ($94M)

Shareholders have been diluted in the past year

My Notes

Capture your thoughts, links and company narrative

BEO Bancorp Competitors

Oxford Bank

OTCPK:OXBC

US$84.0m

Jeffersonville Bancorp

OTCPK:JFBC

US$85.4m

InBankshares

OTCPK:INBC

US$100.3m

First IC

OTCPK:FIEB

US$84.3m

Price History & Performance

Summary of share price highs, lows and changes for BEO Bancorp
Historical stock prices
Current Share Price	US$76.25
52 Week High	US$78.00
52 Week Low	US$53.50
Beta	0.29
1 Month Change	1.45%
3 Month Change	0.33%
1 Year Change	25.00%
3 Year Change	85.98%
5 Year Change	117.86%
Change since IPO	335.71%

Recent updates

Shareholder Returns

	BEOB	US Banks	US Market
7D	1.5%	-3.4%	-2.4%
1Y	25.0%	29.1%	23.3%

Return vs Industry: BEOB underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: BEOB exceeded the US Market which returned 23.3% over the past year.

Price Volatility

Is BEOB's price volatile compared to industry and market?
BEOB volatility
BEOB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
1945	n/a	Jeff Bailey	www.beobank.com

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. The company offers checking, money market, time deposits, and savings accounts; and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, home, construction, farm, and refinancing loans; lines of credit; home enhancement loan programs; Internet banking and bill payment services; business sweep and banking services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market.

BEO Bancorp Fundamentals Summary

How do BEO Bancorp's earnings and revenue compare to its market cap?
BEOB fundamental statistics
Market cap	US$93.87m
Earnings (TTM)	US$14.21m
Revenue (TTM)	US$47.96m

6.6x

P/E Ratio

1.5x

P/B Ratio

Is BEOB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BEOB income statement (TTM)
Revenue	US$47.96m
Cost of Revenue	US$0
Gross Profit	US$47.96m
Other Expenses	US$33.75m
Earnings	US$14.21m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	11.54
Gross Margin	100.00%
Net Profit Margin	29.63%
Debt/Equity Ratio	18.6%

How did BEOB perform over the long term?

See historical performance and comparison

Dividends

1.6%

Current Dividend Yield

10%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 10:50
End of Day Share Price	2024/12/16 00:00
Earnings	2023/12/31
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

BEO 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

BEO Bancorp OTCPK:BEOB Stock Report