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

BOID is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (8.4x).

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

BOID is good value based on its Price-To-Earnings Ratio (10.1x) compared to the US Banks industry average (12.4x).

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

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

BOID ($33.35) is trading above our estimate of [[fair value]] ($20.65)

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.

BOID Stock Overview

Operates as the holding company for Bank of Idaho that provides personal and business banking products and services in Idaho. More details

BOID fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (10.1x) is below the US market (18.3x)

Earnings grew by 28.4% over the past year

Risk Analysis

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

Bank of Idaho Holding Company Competitors

SouthPoint Bancshares

OTCPK:SOUB

US$108.8m

PB Financial

OTCPK:PBNC

US$131.6m

Partners Bancorp

NasdaqCM:PTRS

US$128.5m

Pinnacle Bank

OTCPK:PBNK

US$109.5m

Price History & Performance

Summary of share price highs, lows and changes for Bank of Idaho Holding
Historical stock prices
Current Share Price	US$33.35
52 Week High	US$33.50
52 Week Low	US$26.05
Beta	0.30
1 Month Change	0%
3 Month Change	7.58%
1 Year Change	29.51%
3 Year Change	11.17%
5 Year Change	11.17%
Change since IPO	11.17%

Recent updates

Shareholder Returns

	BOID	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	29.5%	29.1%	23.4%

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

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

Price Volatility

Is BOID's price volatile compared to industry and market?
BOID volatility
BOID 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: BOID's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1985	n/a	Jeff Newgard	www.bankofidaho.com

Bank of Idaho Holding Company operates as the holding company for Bank of Idaho that provides personal and business banking products and services in Idaho. The company offers checking and savings, and money market accounts, as well as individual retirement accounts, certificate of deposit, and various accounts and deposits; and auto, home, recreational vehicle, personal, agriculture, small business administration and FSA, commercial real estate, term operating capital, term equipment, and home equity loans, as well as lines of credit, letters of credit, and debit and credit cards. It also provides automated clearing house payments and debits, bill payments, remote deposits, sweep accounts, trusts, investment management and custody accounts, estate planning, annuities, 401(k), safe deposit boxes, digital wallet, teller, and wire transfer services, as well as online, and telephone banking services.

Bank of Idaho Holding Company Fundamentals Summary

How do Bank of Idaho Holding's earnings and revenue compare to its market cap?
BOID fundamental statistics
Market cap	US$117.33m
Earnings (TTM)	US$11.59m
Revenue (TTM)	US$51.26m

10.1x

P/E Ratio

0.9x

P/B Ratio

Is BOID overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BOID income statement (TTM)
Revenue	US$51.26m
Cost of Revenue	US$0
Gross Profit	US$51.26m
Other Expenses	US$39.67m
Earnings	US$11.59m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.30
Gross Margin	100.00%
Net Profit Margin	22.61%
Debt/Equity Ratio	46.3%

How did BOID perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 07:28
End of Day Share Price	2024/11/21 00:00
Earnings	2024/09/30
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

Bank of Idaho Holding Company 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