Ben Franklin Financial, Inc. operates as the holding company for Ben Franklin Bank of Illinois that provides financial products and services in Cook County, Illinois.
The last earnings update was 125 days ago.
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Ben Franklin Financial. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Ben Franklin Financial's
is considered below, and whether this is a fair price.
Price based on past earnings
Ben Franklin Financial's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Ben Franklin Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Ben Franklin Financial
expected to grow at an
Unable to compare Ben Franklin Financial's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare Ben Franklin Financial's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare Ben Franklin Financial's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if Ben Franklin Financial is high growth as no earnings estimate data is available.
Unable to determine if Ben Franklin Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Ben Franklin Financial's filings and announcements here.
Ben Franklin Financial's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Ben Franklin Financial
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Ben Franklin Financial's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. C. Steven Sjogren has been Chief Executive Officer of Ben Franklin Bank of Illinois since 2002 and served as its President. Mr. Sjogren serves as Chief Executive Officer and President of Ben Franklin Financial Inc. He has extensive banking experience. He served as President and Chief Executive Officer of HomeCorp Inc., since 1989 and HomeBanc, a subsidiary of HomeCorp Inc., from 1981 to 1998 and Regional President of FirstStar Bank until 2000. Mr. Sjogren joined HomeBanc in 1972 and served as Vice President since 1974 and Executive Vice President in 1976. He was an Assistant Instructor/Lecturer in Finance and Economics of Rockford College, Rockford, Illinois. He served as President of Ben Franklin Bank of Illinois from 2002 to 2013. He has been the Chairman of Ben Franklin Financial Inc. and Ben Franklin Bank of Illinois since 2002. Mr. Sjogren has been a Director of Ben Franklin Financial Inc., and Ben Franklin Bank of Illinois since 2001 and 2002 respectively. He serves as a Director of Illinois League of Savings Institutions and the Swedish American Health System and Foundation. He serves as a member of various civic organizations. He served as a Director of HomeCorp. Inc., and HomeBanc since 1978. Mr. Sjogren received his Masters Degree in Business Administration from Northern Illinois University. Mr. Sjogren is a graduate of the Advanced Management Program of University of Southern California Graduate School of Business Administration and the Graduate School of Savings and Loans at Indiana University.
C.'s compensation has been consistent with company performance over the past year, both up more than 20%.
Insufficient data for C. to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the
Ben Franklin Financial
management team in years:
The average tenure for the Ben Franklin Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Senior VP & CFO
President of Ben Franklin Bank of Illinois
Senior VP & COO
Senior VP & Chief Lending Officer - Ben Franklin Bank of Illinois
Board of Directors Tenure
Average tenure and age of the
Ben Franklin Financial
board of directors in years:
The average tenure for the Ben Franklin Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
Ben Franklin Financial, Inc. operates as the holding company for Ben Franklin Bank of Illinois that provides financial products and services in Cook County, Illinois. The company offers personal savings products and services that include passbook, statement saving, money market, and individual retirement accounts, as well as certificate of deposit; personal checking accounts; and debit cards. It also provides business banking products and services, such as small business checking, commercial checking, business money market and statement saving, and remote deposit capture accounts. In addition, the company provides one-to four-family residential mortgage, commercial real estate, multi-family real estate, commercial business loans, construction loans, and consumer loans; and home equity lines of credit, as well as bill payment services. Further, it invests in mortgage-backed securities and other securities. The company offers its services through main office and one branch office. Ben Franklin Financial, Inc. was founded in 1893 and is headquartered in Arlington Heights, Illinois.
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