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Ben Franklin Financial

OTCPK:BFFI
Snowflake Description

Flawless balance sheet with weak fundamentals.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BFFI
OTCPK
$12M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

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. More info.


Add to Portfolio Compare Print
  • Ben Franklin Financial has significant price volatility in the past 3 months.
BFFI Share Price and Events
7 Day Returns
0%
OTCPK:BFFI
-0.3%
US Mortgage
-1%
US Market
1 Year Returns
20%
OTCPK:BFFI
-0.7%
US Mortgage
-0.4%
US Market
BFFI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Ben Franklin Financial (BFFI) 0% -0.2% 23.9% 20% -20.7% 34.1%
US Mortgage -0.3% -2% -0.7% -0.7% 24.5% 41.1%
US Market -1% -3.3% 0.4% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • BFFI outperformed the Mortgage industry which returned -0.7% over the past year.
  • BFFI outperformed the Market in United States of America which returned -0.4% over the past year.
Price Volatility
BFFI
Industry
5yr Volatility vs Market

Value

 Is Ben Franklin Financial undervalued based on future cash flows and its price relative to the stock market?

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 undervalued.
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 $9.6.
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 earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Ben Franklin Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:BFFI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $-0.25
OTCPK:BFFI Share Price ** OTCPK (2019-08-12) in USD $9.6
United States of America Mortgage Industry PE Ratio Median Figure of 128 Publicly-Listed Mortgage Companies 13.95x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.23x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Ben Franklin Financial.

OTCPK:BFFI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:BFFI Share Price ÷ EPS (both in USD)

= 9.6 ÷ -0.25

-38.77x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ben Franklin Financial is loss making, we can't compare its value to the US Mortgage industry average.
  • Ben Franklin Financial is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Ben Franklin Financial's expected growth come at a high price?
Raw Data
OTCPK:BFFI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -38.77x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Mortgage Industry PEG Ratio Median Figure of 48 Publicly-Listed Mortgage Companies 1.35x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Ben Franklin Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Ben Franklin Financial's assets?
Raw Data
OTCPK:BFFI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $6.67
OTCPK:BFFI Share Price * OTCPK (2019-08-12) in USD $9.6
United States of America Mortgage Industry PB Ratio Median Figure of 144 Publicly-Listed Mortgage Companies 1.1x
United States of America Market PB Ratio Median Figure of 5,265 Publicly-Listed Companies 1.7x
OTCPK:BFFI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:BFFI Share Price ÷ Book Value per Share (both in USD)

= 9.6 ÷ 6.67

1.44x

* Primary Listing of Ben Franklin Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Ben Franklin Financial is overvalued based on assets compared to the US Mortgage industry average.
X
Value checks
We assess Ben Franklin Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Ben Franklin Financial has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Ben Franklin Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

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 growth 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 it right!
Annual Growth Rate
9.3%
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Ben Franklin Financial expected to grow at an attractive rate?
  • 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.
Annual Growth Rates Comparison
Raw Data
OTCPK:BFFI Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 9.3%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 5.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:BFFI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:BFFI Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 4 0
2018-12-31 4 0 0
2018-09-30 4 0
2018-06-30 4 -1
2018-03-31 3 -1
2017-12-31 3 -1 -1
2017-09-30 3 -1 -1
2017-06-30 3 -1 -1
2017-03-31 3 -1 -1
2016-12-31 3 -1 -1
2016-09-30 3 -1 -1
2016-06-30 3 -1 -1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • 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.
Raw Data
OTCPK:BFFI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Ben Franklin Financial Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:BFFI Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 -0.25
2018-12-31 -0.25
2018-09-30 -0.33
2018-06-30 -0.58
2018-03-31 -0.92
2017-12-31 -1.49
2017-09-30 -1.84
2017-06-30 -1.95
2017-03-31 -2.10
2016-12-31 -1.91
2016-09-30 -1.72
2016-06-30 -1.51

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Ben Franklin Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine Ben Franklin Financial's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. Ben Franklin Financial's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. 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.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Ben Franklin Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Ben Franklin Financial has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Ben Franklin Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Ben Franklin Financial's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Ben Franklin Financial does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare Ben Franklin Financial's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Ben Franklin Financial's 1-year growth to the US Mortgage industry average as it is not currently profitable.
Earnings and Revenue History
Ben Franklin Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Ben Franklin Financial Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:BFFI Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 3.73 -0.34 3.45
2018-12-31 3.74 -0.31 3.40
2018-09-30 3.72 -0.35 3.42
2018-06-30 3.62 -0.54 3.50
2018-03-31 3.42 -0.72 3.52
2017-12-31 3.24 -1.01 3.57
2017-09-30 3.08 -1.24 3.54
2017-06-30 3.05 -1.30 3.46
2017-03-31 2.94 -1.39 3.36
2016-12-31 2.95 -1.26 3.30
2016-09-30 2.98 -1.14 3.28
2016-06-30 2.99 -1.00 3.28
2016-03-31 3.00 -0.97 3.31
2015-12-31 3.00 -1.03 3.35
2015-09-30 2.91 -1.30 3.44
2015-06-30 2.79 -1.54 3.43
2015-03-31 2.83 -1.57 3.39
2014-12-31 2.90 -1.42 3.28
2014-09-30 2.44 -1.56 3.10
2014-06-30 2.61 -1.29 2.99
2014-03-31 2.75 -1.00 2.94
2013-12-31 2.96 -0.83 3.00
2013-09-30 3.42 -0.71 3.03
2013-06-30 3.08 -1.08 3.02
2013-03-31 3.25 -0.88 2.97
2012-12-31 1.93 -2.12 2.82
2012-09-30 1.85 -2.12 2.74

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Ben Franklin Financial has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Ben Franklin Financial has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Ben Franklin Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Ben Franklin Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. 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.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Ben Franklin Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

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 differently.
Net Worth
Balance sheet
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 checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, 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.
Raw Data

All data from Ben Franklin Financial Company Filings, last reported 4 months ago.

OTCPK:BFFI Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 11.21 7.00 11.09
2018-12-31 11.27 7.00 11.50
2018-09-30 11.32 4.00 11.25
2018-06-30 11.32 4.00 13.80
2018-03-31 11.37 4.00 15.64
2017-12-31 7.33 4.00 18.21
2017-09-30 7.30 4.00 16.49
2017-06-30 7.47 2.00 8.82
2017-03-31 7.72 2.00 9.95
2016-12-31 8.24 2.00 11.91
2016-09-30 8.53 0.00 13.68
2016-06-30 8.79 0.00 14.13
2016-03-31 9.16 0.00 15.01
2015-12-31 9.40 0.00 13.90
2015-09-30 9.68 0.00 17.05
2015-06-30 9.80 0.00 20.79
2015-03-31 10.16 0.00 17.92
2014-12-31 8.18 0.00 19.01
2014-09-30 8.68 0.00 18.01
2014-06-30 9.10 0.00 20.42
2014-03-31 9.45 0.00 22.00
2013-12-31 9.62 0.00 19.96
2013-09-30 10.25 0.00 19.67
2013-06-30 10.40 0.00 18.43
2013-03-31 10.50 0.00 17.78
2012-12-31 10.48 0.00 12.24
2012-09-30 11.01 0.00 12.38
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Ben Franklin Financial has an acceptable proportion of non-loan assets held.
  • Ben Franklin Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at Ben Franklin Financial are broadly funded by customer deposits.
  • Ben Franklin Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Ben Franklin Financial has a sufficient allowance for bad loans.
  • Ben Franklin Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Ben Franklin Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Ben Franklin Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Ben Franklin Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Ben Franklin Financial dividends.
If you bought $2,000 of Ben Franklin Financial shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Ben Franklin Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Ben Franklin Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:BFFI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 96 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2009 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Ben Franklin Financial has not reported any payouts.
  • Unable to verify if Ben Franklin Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Ben Franklin Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Ben Franklin Financial has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Ben Franklin Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Ben Franklin Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Ben Franklin Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Ben Franklin Financial's salary, the management and board of directors tenure and is there insider trading?

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.
CEO
C. Sjogren
COMPENSATION $26,804
AGE 73
TENURE AS CEO 13.6 years
CEO Bio

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.

CEO Compensation
  • 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:

9.6
Average Tenure
63
Average Age
  • The average tenure for the Ben Franklin Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

C. Sjogren

TITLE
Chairman
COMPENSATION
$27K
AGE
73
TENURE
13.6 yrs

Glen Miller

TITLE
Senior VP & CFO
COMPENSATION
$117K
AGE
61
TENURE
13.6 yrs

Bernadine Dziedzic

TITLE
Assistant VP
COMPENSATION
$58K
AGE
79

Steven Olson

TITLE
President of Ben Franklin Bank of Illinois
COMPENSATION
$128K
AGE
61
TENURE
5.6 yrs

Angie Plesiotis

TITLE
Senior VP & COO
AGE
54

Joseph Shultz

TITLE
Senior VP & Chief Lending Officer - Ben Franklin Bank of Illinois
AGE
65
TENURE
2.8 yrs
Board of Directors Tenure

Average tenure and age of the Ben Franklin Financial board of directors in years:

13.6
Average Tenure
73
Average Age
  • 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

C. Sjogren

TITLE
Chairman
COMPENSATION
$27K
AGE
73
TENURE
13.6 yrs

James Reninger

TITLE
Director
COMPENSATION
$12K
AGE
73
TENURE
13.6 yrs

Nicholas Raino

TITLE
Director
COMPENSATION
$11K
AGE
86
TENURE
13.6 yrs

David Stafseth

TITLE
Director
COMPENSATION
$9K
AGE
68
TENURE
4.6 yrs

Bob Kotecki

TITLE
Director
COMPENSATION
$6K
AGE
54
TENURE
3.4 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Ben Franklin Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Ben Franklin Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

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.

Details
Name: Ben Franklin Financial, Inc.
BFFI
Exchange: OTCPK
Founded: 1893
$12,268,704
1,277,990
Website: http://www.benfrankbank.com
Address: Ben Franklin Financial, Inc.
830 East Kensington Road,
Arlington Heights,
Illinois, 60004,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK BFFI Common Stock Pink Sheets LLC US USD 19. Oct 2006
Number of employees
Current staff
Staff numbers
26
Ben Franklin Financial employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/18 00:11
End of day share price update: 2019/08/12 00:00
Last earnings filing: 2019/04/15
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.