Bank of Idaho Holding Company

OTCPK:BOID Stock Report

Market Cap: US$116.1m

Bank of Idaho Holding Valuation

Is BOID undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: BOID ($33.35) is trading above our estimate of fair value ($20.34)

Significantly Below Fair Value: BOID is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BOID?

Key metric: As BOID is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for BOID. This is calculated by dividing BOID's market cap by their current earnings.
What is BOID's PE Ratio?
PE Ratio10x
EarningsUS$11.59m
Market CapUS$116.15m

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for BOID vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.9x
PBNK Pinnacle Bank
11.1xn/aUS$114.5m
PBNC PB Financial
8.1xn/aUS$123.6m
SOUB SouthPoint Bancshares
6.3xn/aUS$107.4m
CCFN Muncy Columbia Financial
10.3xn/aUS$125.1m
BOID Bank of Idaho Holding
10xn/aUS$116.1m

Price-To-Earnings vs Peers: BOID is expensive based on its Price-To-Earnings Ratio (10x) compared to the peer average (8.9x).

Price to Earnings Ratio vs Industry

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

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
BOID 10.0xIndustry Avg. 12.8xNo. of Companies75PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: BOID is good value based on its Price-To-Earnings Ratio (10x) compared to the US Banks industry average (12.8x).

Price to Earnings Ratio vs Fair Ratio

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.

BOID PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BOID's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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