OTCPK:BRBW

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Executive Summary

Brunswick Bancorp operates as the bank holding company for Brunswick Bank & Trust that provides various personal and commercial banking products and services.


Snowflake Analysis

Adequate balance sheet with proven track record.


Similar Companies

Share Price & News

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


Latest Share Price and Events

Stable Share Price: BRBW has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

BRBW

5.3%

US Banks

1.2%

US Market


1 Year Return

-15.0%

BRBW

-17.7%

US Banks

16.8%

US Market

Return vs Industry: BRBW exceeded the US Banks industry which returned -19% over the past year.

Return vs Market: BRBW underperformed the US Market which returned 16.4% over the past year.


Shareholder returns

BRBWIndustryMarket
7 Day0%5.3%1.2%
30 Day-9.7%6.6%4.9%
90 Day-1.3%18.7%20.0%
1 Year-15.0%-15.0%-14.9%-17.7%19.3%16.8%
3 Year5.3%5.3%-9.6%-16.9%43.7%34.4%
5 Year46.0%46.0%15.0%1.0%75.5%56.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Brunswick Bancorp undervalued compared to its fair value and its price relative to the market?

17.18x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate BRBW's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate BRBW's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: BRBW is poor value based on its PE Ratio (17.2x) compared to the US Banks industry average (9.9x).

PE vs Market: BRBW is good value based on its PE Ratio (17.2x) compared to the US market (18.9x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: BRBW is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

26.8%

Forecasted Banks industry annual growth in earnings


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 Brunswick Bancorp 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 SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Brunswick Bancorp performed over the past 5 years?

27.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BRBW has high quality earnings.

Growing Profit Margin: BRBW's current net profit margins (14.5%) are higher than last year (13.6%).


Past Earnings Growth Analysis

Earnings Trend: BRBW's earnings have grown significantly by 27% per year over the past 5 years.

Accelerating Growth: BRBW's earnings growth over the past year (15.9%) is below its 5-year average (27% per year).

Earnings vs Industry: BRBW earnings growth over the past year (15.9%) exceeded the Banks industry -3%.


Return on Equity

High ROE: BRBW's Return on Equity (3.6%) is considered low.


Next Steps

Financial Health

How is Brunswick 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


Financial Institutions Analysis

Asset Level: BRBW's Assets to Equity ratio (6x) is low.

Allowance for Bad Loans: Insufficient data to determine if BRBW has a sufficient allowance for bad loans.

Low Risk Liabilities: 90% of BRBW's liabilities are made up of primarily low risk sources of funding.

Loan Level: BRBW has an appropriate level of Loans to Assets ratio (82%).

Low Risk Deposits: BRBW's Loans to Deposits ratio (109%) is appropriate.

Level of Bad Loans: Insufficient data to determine if BRBW has an appropriate level of bad loans.


Next Steps

Dividend

What is Brunswick Bancorp current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate BRBW's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate BRBW's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if BRBW's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BRBW's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BRBW's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.6yrs

Average management tenure


CEO

Brunswick Bancorp has no CEO, or we have no data on them.


Leadership Team

NamePositionTenureCompensationOwnership
Nicholas Frungillo
President & COO2.08yrsno datano data
Edward Van Valkenburgh
Vice President of Bookkeeping at Brunswick Bank and Trust Company9.58yrsno datano data
David Gazerwitz
VP & Treasurerno datano datano data
Lisa Tuccillo
Senior Vice President of Brunswick Bank and Trust Company2.58yrsno datano data

2.6yrs

Average Tenure

Experienced Management: BRBW's management team is considered experienced (2.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
James Gassaro
Director4.25yrsno datano data
Richard Malouf
Vice Chairman of the Board9.17yrsno datano data
Robert Sica
Director24.58yrsno datano data
Michael Kaplan
Director34.58yrsno datano data
Frank Gumina
Chairman2.08yrsUS$130.00kno data
James Atieh
Director0.42yrno datano data
Frank Gumina
Unit Board Member3.5yrsUS$130.00kno data
Edwin Leavitt-Gruberger
Director4.25yrsno datano data

4.3yrs

Average Tenure

77yo

Average Age

Experienced Board: BRBW's board of directors are considered experienced (4.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Brunswick Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Brunswick Bancorp
  • Ticker: BRBW
  • Exchange: OTCPK
  • Founded: 1902
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$22.215m
  • Shares outstanding: 2.81m
  • Website: https://www.brunswickbank.com

Number of Employees


Location

  • Brunswick Bancorp
  • 439 Livingston Avenue
  • New Brunswick
  • New Jersey
  • 8901
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BRBWOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 1990

Biography

Brunswick Bancorp operates as the bank holding company for Brunswick Bank & Trust that provides various personal and commercial banking products and services. The company accepts various deposits products, ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/11 01:03
End of Day Share Price2020/07/27 00:00
Earnings2020/06/30
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.