OTCPK:BKGM.F

Stock Analysis Report

Executive Summary

BankGuam Holding Company operates as the bank holding company for the Bank of Guam that provides various banking products and services to individuals, businesses, and government entities.

Snowflake

Fundamentals

Good value with adequate balance sheet.

Share Price & News

How has BankGuam Holding's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

1.1%

BKGM.F

4.1%

US Banks

1.0%

US Market


1 Year Return

3.8%

BKGM.F

7.2%

US Banks

8.0%

US Market

Return vs Industry: BKGM.F underperformed the US Banks industry which returned 7.2% over the past year.

Return vs Market: BKGM.F underperformed the US Market which returned 8% over the past year.


Shareholder returns

BKGM.FIndustryMarket
7 Day1.1%4.1%1.0%
30 Day1.3%2.8%-0.07%
90 Day-1.0%2.9%-1.0%
1 Year3.8%3.8%10.3%7.2%10.4%8.0%
3 Year10.2%10.2%53.9%43.3%46.2%36.7%
5 Year0%0%71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is BankGuam Holding undervalued compared to its fair value and its price relative to the market?

33.2%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: BKGM.F ($10.9) is trading below our estimate of fair value ($16.32)

Significantly Below Fair Value: BKGM.F is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: BKGM.F is good value based on its PE Ratio (8.7x) compared to the Banks industry average (12.6x).

PE vs Market: BKGM.F is good value based on its PE Ratio (8.7x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: BKGM.F is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

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

8.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BKGM.F's forecast earnings growth (8.3% per year) is above the savings rate (2.7%).

Earnings vs Market: BKGM.F's earnings (8.3% per year) are forecast to grow slower than the US market (14.5% per year).

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

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

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


Earnings per Share Growth Forecasts


Future Return on Equity

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


Next Steps

Past Performance

How has BankGuam Holding performed over the past 5 years?

2.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BKGM.F's earnings have grown by 2.3% per year over the past 5 years.

Accelerating Growth: BKGM.F's earnings growth over the past year (20.7%) exceeds its 5-year average (2.3% per year).

Earnings vs Industry: BKGM.F earnings growth over the past year (20.7%) underperformed the Banks industry 30.1%.


Return on Equity

High ROE: BKGM.F's Return on Equity (8%) is considered low.


Return on Assets

ROA vs Industry: BKGM.F'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 BKGM.F's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is BankGuam Holding'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: BKGM.F has a low level of unsold assets or inventory.

Debt Coverage by Assets: BKGM.F's debt is covered by short term assets (assets are 10.334170x debt).


Financial Institutions Analysis

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

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

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

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

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

Level of Bad Loans: BKGM.F has a high level of bad loans (2.39%)


Next Steps

Dividend

What is BankGuam Holding's current dividend yield, its reliability and sustainability?

3.67%

Current Dividend Yield


Dividend Yield vs Market

company3.7%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: BKGM.F's dividend (3.67%) is higher than the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: BKGM.F's dividend (3.67%) is low compared to the top 25% of dividend payers in the US market (3.68%).

Stable Dividend: BKGM.F has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: BKGM.F has only been paying a dividend for 8 years, and since then payments have fallen.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (32.1%), BKGM.F'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 BankGuam Holding's salary, the management and board of directors tenure and is there insider trading?

2.7yrs

Average management tenure


CEO

Joaquin Phillip Leon Cook (40yo)

1.8yrs

Tenure

US$381,654

Compensation

Mr. Joaquin Phillip Leon Guer Cook has been Vice Chairman, Chief Executive Officer and President at BankGuam Holding Company and Bank of Guam since March 2019. Mr. Cook served as Interim Chief Executive Of ...


CEO Compensation Analysis

Compensation vs. Market: Joaquin Phillip Leon has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the US market.

Compensation vs Earnings: Joaquin Phillip Leon's compensation has increased by more than 20% in the past year.


Management Age and Tenure

2.7yrs

Average Tenure

67yo

Average Age

Experienced Management: BKGM.F's management team is considered experienced (2.7 years average tenure).


Board Age and Tenure

6.7yrs

Average Tenure

60yo

Average Age

Experienced Board: BKGM.F's board of directors are considered experienced (6.7 years average tenure).


Insider Trading

Insider Buying: BKGM.F insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

SellUS$5,25017 Sep 19
Francisco Atalig
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares500
Max PriceUS$10.50
BuyUS$1,02031 Aug 19
Patricia Ann Ada
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares102
Max PriceUS$10.00
BuyUS$1,36031 Aug 19
William Leon Guerrero
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares136
Max PriceUS$10.00
BuyUS$1,08031 Aug 19
John Shimizu Agustin
EntityIndividual
Shares108
Max PriceUS$10.00
BuyUS$1,47031 Aug 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares147
Max PriceUS$10.00
BuyUS$12,13031 Aug 19
Eugenia Leon Guerrero
EntityIndividual
Shares1,213
Max PriceUS$10.00
SellUS$7,15027 Aug 19
Francisco Atalig
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares650
Max PriceUS$11.00
BuyUS$7,15027 Aug 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares650
Max PriceUS$11.00
BuyUS$21,00015 Aug 19
Roger Crouthamel
EntityIndividual
Role
Member of the Board of Directors
Corporate Secretary & Director
Shares2,000
Max PriceUS$10.50
BuyUS$48,75009 Aug 19
Patricia Ann Ada
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares5,000
Max PriceUS$9.75
BuyUS$2,27427 Jun 19
Francisco Atalig
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares248
Max PriceUS$9.17
BuyUS$1,72427 Jun 19
Keven Camacho
EntityIndividual
Role
Member of the Board of Directors
Director
Shares188
Max PriceUS$9.17
BuyUS$5,74205 Jun 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares522
Max PriceUS$11.00
BuyUS$1,74002 May 19
Patricia Ann Ada
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares174
Max PriceUS$10.00
BuyUS$19,61002 May 19
Eugenia Leon Guerrero
EntityIndividual
Shares1,961
Max PriceUS$10.00
BuyUS$2,48002 May 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares248
Max PriceUS$10.00
BuyUS$2,28002 May 19
William Leon Guerrero
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares228
Max PriceUS$10.00
BuyUS$11,00011 Apr 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares1,000
Max PriceUS$11.00
BuyUS$98011 Feb 19
William Leon Guerrero
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares98
Max PriceUS$10.00
BuyUS$79011 Feb 19
Patricia Ann Ada
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares79
Max PriceUS$10.00
BuyUS$1,05011 Feb 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares105
Max PriceUS$10.00
BuyUS$7,01011 Feb 19
Eugenia Leon Guerrero
EntityIndividual
Shares701
Max PriceUS$10.00
BuyUS$10,75031 Jan 19
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares1,000
Max PriceUS$10.75
BuyUS$82027 Dec 18
Lourdes Leon Guerrero
EntityIndividual
Shares82
Max PriceUS$10.00
BuyUS$3,00027 Dec 18
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares300
Max PriceUS$10.00
BuyUS$2,37027 Dec 18
Patricia Ann Ada
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares237
Max PriceUS$10.00
BuyUS$2,85027 Dec 18
William Leon Guerrero
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares285
Max PriceUS$10.00
BuyUS$17,52027 Dec 18
Eugenia Leon Guerrero
EntityIndividual
Shares1,752
Max PriceUS$10.00
BuyUS$7,98612 Dec 18
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares726
Max PriceUS$11.00
BuyUS$2,73912 Dec 18
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares249
Max PriceUS$11.00
BuyUS$2,26001 Nov 18
Lourdes Leon Guerrero
EntityIndividual
Shares226
Max PriceUS$10.00
BuyUS$2,32030 Oct 18
Martin Dela Leon Guerrero
EntityIndividual
Role
Member of the Board of Directors
Treasurer
Shares232
Max PriceUS$10.00
BuyUS$2,20030 Oct 18
William Leon Guerrero
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares220
Max PriceUS$10.00
BuyUS$14,02030 Oct 18
Eugenia Leon Guerrero
EntityIndividual
Shares1,402
Max PriceUS$10.00

Ownership Breakdown


Management Team

  • Roger Crouthamel (70yo)

    Corporate Secretary & Director

    • Tenure: 8.2yrs
    • Compensation: US$39.30k
  • William Leon Guerrero (67yo)

    Chairman of the Board

    • Tenure: 0.6yrs
    • Compensation: US$608.57k
  • Frank Atalig (68yo)

    Senior VP & CFO

    • Tenure: 8.8yrs
    • Compensation: US$383.01k
  • Danilo Rapadas (59yo)

    Senior VP

    • Tenure: 0yrs
    • Compensation: US$227.90k
  • Jacqueline Marati

    Chief Communications Officer & Senior VP

    • Tenure: 3.7yrs
  • Martin Dela Leon Guerrero (67yo)

    Treasurer

    • Tenure: 8.2yrs
    • Compensation: US$47.00k
  • Joaquin Phillip Leon Cook (40yo)

    Vice Chair of the Board

    • Tenure: 1.8yrs
    • Compensation: US$381.65k
  • Theresa Obispo

    Senior VP & Human Resources Administrator

    • Tenure: 0yrs
  • Teresa Camacho

    VP & Compliance Manager of Compliance Department

    • Tenure: 0yrs
  • Maria Leon Guerrero (39yo)

    Executive VP

    • Tenure: 0.7yrs

Board Members

  • Roger Crouthamel (70yo)

    Corporate Secretary & Director

    • Tenure: 8.2yrs
    • Compensation: US$39.30k
  • William Leon Guerrero (67yo)

    Chairman of the Board

    • Tenure: 0.6yrs
    • Compensation: US$608.57k
  • Martin Dela Leon Guerrero (67yo)

    Treasurer

    • Tenure: 8.2yrs
    • Compensation: US$47.00k
  • Frances Borja (61yo)

    Independent Director

    • Tenure: 8.2yrs
    • Compensation: US$27.50k
  • Joey Crisostomo (59yo)

    Independent Director

    • Tenure: 8.2yrs
    • Compensation: US$34.75k
  • Patty Ada (53yo)

    Independent Director

    • Tenure: 8.2yrs
    • Compensation: US$36.25k
  • Joaquin Phillip Leon Cook (40yo)

    Vice Chair of the Board

    • Tenure: 1.8yrs
    • Compensation: US$381.65k
  • Keven Camacho (44yo)

    Director

    • Tenure: 5.2yrs
    • Compensation: US$41.50k
  • Maria Leon Guerrero (39yo)

    Executive VP

    • Tenure: 0.7yrs
  • Mark Sablan (61yo)

    Independent Director

    • Tenure: 3.2yrs
    • Compensation: US$35.00k

Company Information

BankGuam Holding Company's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: BankGuam Holding Company
  • Ticker: BKGM.F
  • Exchange: OTCPK
  • Founded: 1972
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: US$105.296m
  • Shares outstanding: 9.66m
  • Website: https://www.bankofguam.com

Number of Employees


Location

  • BankGuam Holding Company
  • 111 West Chalan Santo Papa
  • Hagatna
  • Guam
  • 96910
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BKGM.FOTCPK (Pink Sheets LLC)YesNew Common SharesUSUSDSep 2011

Biography

BankGuam Holding Company operates as the bank holding company for the Bank of Guam that provides various banking products and services to individuals, businesses, and government entities. It accepts variou ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 00:45
End of Day Share Price2019/10/21 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.