OTCPK:BTHT

Stock Analysis Report

Best Hometown Bancorp

Executive Summary

Best Hometown Bancorp, Inc. operates as the holding company for Best Hometown Bank that provides consumer and commercial banking services to individuals and businesses in Illinois.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

44.3%

BTHT

1.1%

US Mortgage

1.0%

US Market


1 Year Return

5.9%

BTHT

13.0%

US Mortgage

6.7%

US Market

Return vs Industry: BTHT underperformed the US Mortgage industry which returned 13% over the past year.

Return vs Market: BTHT underperformed the US Market which returned 6.7% over the past year.


Shareholder returns

BTHTIndustryMarket
7 Day44.3%1.1%1.0%
30 Day43.2%-0.5%-1.8%
90 Day31.2%2.2%-1.8%
1 Year5.9%5.9%15.4%13.0%9.1%6.7%
3 Year29.7%29.7%40.4%30.9%46.1%36.6%
5 Yearn/a68.9%51.2%66.9%48.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

0.91x

Price to Book (PB) ratio


Share Price vs. Fair Value

Undervalued: Insufficient data to calculate BTHT's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate BTHT's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: BTHT is unprofitable, so we can't compare its PE Ratio to the Mortgage industry average.

PE vs Market: BTHT is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: BTHT is good value based on its PB Ratio (0.9x) compared to the US Mortgage industry average (1.1x).


Next Steps

Future Growth

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

10.4%

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 Best Hometown 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 Best Hometown Bancorp performed over the past 5 years?

-2.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BTHT is unprofitable, and losses have increased over the past 5 years at a rate of -2.4% per year.

Accelerating Growth: Unable to compare BTHT's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: BTHT is unprofitable, making it difficult to compare its past year earnings growth to the Mortgage industry (31.7%).


Return on Equity

High ROE: BTHT has a negative Return on Equity (-8.5%), as it is currently unprofitable.


Return on Assets

ROA vs Industry: BTHT is currently unprofitable, so its Return on Assets is negative.


Return on Capital Employed

ROCE Improving: BTHT is currently unprofitable, so its Return on Capital Employed is negative.


Next Steps

Financial Health

How is Best Hometown 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

Inventory Level: BTHT has a low level of unsold assets or inventory.

Debt Coverage by Assets: BTHT's debt is covered by short term assets (assets are 1.035090x debt).


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: BTHT has sufficient cash runway for more than 3 years based on its current free cash flow.

Forecast Cash Runway: BTHT has sufficient cash runway for 1.708762 years if free cash flow continues to grow at historical rates of 33.6% each year.


Financial Institutions Analysis

Asset Level: BTHT's level of assets compared to its equity is low.

Allowance for Bad Loans: BTHT has a sufficient allowance for bad loans.

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

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

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

Level of Bad Loans: BTHT has an appropriate level of bad loans (0.18%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.8%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

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

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

Growing Dividend: Insufficient data to determine if BTHT'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 BTHT's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

3.4yrs

Average management tenure


CEO

Ron Shambaugh (70yo)

3.8yrs

Tenure

US$187,601

Compensation

Mr. Ronnie R. Shambaugh, also known as Ron, has been the Chief Executive Officer and President of Best Hometown Bancorp, Inc. and its subsidiary Best Hometown Bank (formerly Home Federal Savings & Loan Ass ...


CEO Compensation Analysis

Compensation vs. Market: Ron's total compensation ($USD0.00) is too low to compare against companies of similar size in the US market ($USD495.80K).

Compensation vs Earnings: Ron's compensation has increased whilst the company is unprofitable.


Management Age and Tenure

3.4yrs

Average Tenure

62yo

Average Age

Experienced Management: BTHT's management team is considered experienced (3.4 years average tenure).


Board Age and Tenure

5.8yrs

Average Tenure

69yo

Average Age

Experienced Board: BTHT's board of directors are considered experienced (5.8 years average tenure).


Insider Trading

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


Ownership Breakdown


Management Team

  • Angela Davis

    Corporate Secretary

    • Tenure: 0yrs
  • Ron Shambaugh (70yo)

    President

    • Tenure: 3.8yrs
    • Compensation: US$187.60k
  • Dave Gansner (59yo)

    Executive VP

    • Tenure: 5.8yrs
    • Compensation: US$128.12k
  • Cindy Knebel (65yo)

    Chief Operating Officer

    • Tenure: 3yrs
  • Jennifer Lanzafame (42yo)

    • Tenure: 2.1yrs

Board Members

  • Ron Shambaugh (70yo)

    President

    • Tenure: 3.8yrs
    • Compensation: US$187.60k
  • Dave Gansner (59yo)

    Executive VP

    • Tenure: 5.8yrs
    • Compensation: US$128.12k
  • Monty Docter (69yo)

    Independent Chairman of the Board

    • Tenure: 3.8yrs
    • Compensation: US$14.56k
  • Steve Alabach (53yo)

    Independent Director

    • Tenure: 4.8yrs
    • Compensation: US$14.56k
  • Steve Eovaldi (60yo)

    Independent Director

    • Tenure: 4.8yrs
    • Compensation: US$14.56k
  • Michael Keefe (74yo)

    Independent Director

    • Tenure: 9.8yrs
    • Compensation: US$14.56k
  • Richard Wallace (80yo)

    Independent Director

    • Tenure: 31.8yrs
    • Compensation: US$14.56k

Company Information

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


Key Information

  • Name: Best Hometown Bancorp, Inc.
  • Ticker: BTHT
  • Exchange: OTCPK
  • Founded: 1887
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$11.144m
  • Shares outstanding: 770.69k
  • Website: https://www.besthometownbank.com

Number of Employees


Location

  • Best Hometown Bancorp, Inc.
  • 100 East Clay Street
  • Collinsville
  • Illinois
  • 62234
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BTHTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 2016

Biography

Best Hometown Bancorp, Inc. operates as the holding company for Best Hometown Bank that provides consumer and commercial banking services to individuals and businesses in Illinois. It offers various deposi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/15 00:22
End of Day Share Price2019/10/14 00:00
Earnings2019/03/31
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.