OTCPK:BHWB

Stock Analysis Report

Executive Summary

Blackhawk Bancorp, Inc. operates as a bank holding company for Blackhawk Bank that provides various banking products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Blackhawk Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.2%

OTCPK:BHWB

-1.8%

US Banks

0.2%

US Market


1 Year Return

-8.8%

OTCPK:BHWB

-15.3%

US Banks

-0.7%

US Market

BHWB outperformed the Banks industry which returned -13.6% over the past year.

BHWB underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

BHWBIndustryMarket
7 Day-0.2%-1.8%0.2%
30 Day-0.7%-6.4%-2.7%
90 Day-5.9%-4.0%1.6%
1 Year-7.5%-8.8%-12.9%-15.3%1.6%-0.7%
3 Year57.8%52.4%41.3%31.7%40.0%30.9%
5 Year84.1%75.4%50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Blackhawk Bancorp undervalued based on future cash flows and its price relative to the stock market?

10.39x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Blackhawk Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Blackhawk Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Blackhawk Bancorp is good value based on earnings compared to the US Banks industry average.

Blackhawk Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Blackhawk Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Blackhawk Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

7.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Blackhawk Bancorp is high growth as no revenue estimate data is available.

Blackhawk Bancorp's earnings are expected to grow by 7.8% yearly, however this is not considered high growth (20% yearly).

Unable to compare Blackhawk Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Blackhawk Bancorp's earnings growth is positive but not above the United States of America market average.

Blackhawk Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Blackhawk Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Blackhawk Bancorp performed over the past 5 years?

22.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Blackhawk Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

Blackhawk Bancorp's 1-year earnings growth exceeds its 5-year average (25.6% vs 22.2%)

Blackhawk Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (25.6% vs 33.2%).


Return on Equity

Blackhawk Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Blackhawk Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Blackhawk Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Blackhawk 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

Information is not available.

Information is not available.


Financial Institutions Analysis

Blackhawk Bancorp has an acceptable proportion of non-loan assets held.

Blackhawk Bancorp has a sufficient allowance for bad loans.

Blackhawk Bancorp's liabilities are made up of primarily low risk sources of funding.

Blackhawk Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Blackhawk Bancorp are broadly funded by customer deposits.

Blackhawk Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

1.49%

Current Dividend Yield


Dividend Yield and Payments Analysis

Blackhawk Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

Blackhawk Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.83%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (6.5x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Blackhawk Bancorp's salary, the management and board of directors tenure and is there insider trading?

2.2yrs

Average management tenure


CEO

Todd James (56yo)

1.2yrs

Tenure

US$136,947

Compensation

Mr. Todd J. James has been Chairman of Blackhawk Bancorp, Inc. since 2019. He has been Chief Executive Officer of Blackhawk Bancorp, Inc. since June 2018 and serves as its president. He serves as a Directo ...


Management Age and Tenure

2.2yrs

Average Tenure

56.5yo

Average Age

The tenure for the Blackhawk Bancorp management team is about average.


Board Age and Tenure

5.1yrs

Average Tenure

56.5yo

Average Age

The tenure for the Blackhawk Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Terri Burdick (56yo)

    Senior VP of Admin & Ops

    • Tenure: 0.0yrs
  • Todd James (56yo)

    Chairman

    • Tenure: 1.2yrs
    • Compensation: US$136.95k
  • Todd Larson (59yo)

    Executive VP & Chief Credit Officer

    • Tenure: 3.2yrs
  • Dave Adkins (57yo)

    COO & Director

    • Tenure: 5.0yrs
  • Andy Williams

    Senior Vice President of Business Banking

    • Tenure: 0.0yrs
  • Phyllis Oldenburg

    Executive VP & Chief Information Officer

    • Tenure: 0.0yrs
  • Tammy Zurfluh

    Senior Vice President of Mortgage Banking

    • Tenure: 0.0yrs
  • Stephanie Meier

    Vice President of Marketing & Communications

    • Tenure: 0.0yrs
  • Mary McGovern

    Senior VP & CFO

    • Tenure: 0.8yrs
  • Jeanine Woyner

    Vice President of Human Resources

    • Tenure: 0.0yrs

Board Members

  • Steve Carter (67yo)

    Director

    • Tenure: 16.3yrs
  • Diane Hendricks (72yo)

    Director

    • Tenure: 11.6yrs
  • Todd James (56yo)

    Chairman

    • Tenure: 1.2yrs
    • Compensation: US$136.95k
  • Dave Adkins (57yo)

    COO & Director

    • Tenure: 5.0yrs
  • Paul Palmby (56yo)

    Director

    • Tenure: 0.3yrs
  • Eric Anderberg (48yo)

    Director

    • Tenure: 11.3yrs
  • Tom Barnes (69yo)

    Director

    • Tenure: 12.0yrs
  • Steve Ceroni (57yo)

    Director

    • Tenure: 5.3yrs
  • Lucas Derry (42yo)

    Director

    • Tenure: 3.8yrs
  • April Glosser (42yo)

    Director

    • Tenure: 2.6yrs

Company Information

Blackhawk Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Blackhawk Bancorp, Inc.
  • Ticker: BHWB
  • Exchange: OTCPK
  • Founded: 1881
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$88.420m
  • Shares outstanding: 3.30m
  • Website: https://www.blackhawkbank.com

Number of Employees


Location

  • Blackhawk Bancorp, Inc.
  • 400 Broad Street
  • Beloit
  • Wisconsin
  • 53511
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BHWBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 1990

Biography

Blackhawk Bancorp, Inc. operates as a bank holding company for Blackhawk Bank that provides various banking products and services in the United States. The company' personal banking products and services i ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:33
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
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.