OTCPK:BVBC

Stock Analysis Report

Executive Summary

Blue Valley Ban Corp. operates as the holding company for Bank of Blue Valley that provides a range of banking services to consumer and commercial customers in Johnson County, Kansas.

Snowflake

Fundamentals

Flawless balance sheet with questionable track record.

Share Price & News

How has Blue Valley Ban's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-4.5%

BVBC

2.7%

US Banks

0.4%

US Market


1 Year Return

15.2%

BVBC

2.7%

US Banks

6.9%

US Market


Shareholder returns

BVBCIndustryMarket
7 Day-4.5%2.7%0.4%
30 Day-2.5%0.2%-1.2%
90 Day-8.6%2.9%-0.4%
1 Year15.2%15.2%5.7%2.7%9.3%6.9%
3 Year70.4%70.4%52.1%41.6%45.8%36.4%
5 Year169.2%169.2%69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

How volatile is Blue Valley Ban's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Blue Valley Ban undervalued compared to its fair value and its price relative to the market?

13.63x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: BVBC ($14.4) is trading above our estimate of fair value ($1.39)

Significantly Undervalued: BVBC is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: BVBC is poor value based on its PE Ratio (13.6x) compared to the Banks industry average (12.6x).

PE vs Market: BVBC is good value based on its PE Ratio (13.6x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: BVBC is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Blue Valley Ban forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BVBC's forecast earnings growth (9% per year) is above the savings rate (2.7%).

Earnings vs Market: BVBC's earnings (9% per year) are forecast to grow slower than the US market (14.5% per year).

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

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

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


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Blue Valley Ban performed over the past 5 years?

-14.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BVBC has become profitable over the past 5 years, growing earnings by -14.3% per year.

Accelerating Growth: BVBC's earnings growth over the past year (420.7%) exceeds its 5-year average (-14.3% per year).

Earnings vs Industry: BVBC earnings growth over the past year (420.7%) exceeded the Banks industry 29.6%.


Return on Equity

High ROE: BVBC's Return on Equity (10.4%) is considered low.


Return on Assets

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


Next Steps

Financial Health

How is Blue Valley Ban'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

Information is not available.

Information is not available.


Financial Institutions Analysis

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

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

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

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

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

Level of Bad Loans: BVBC has an appropriate level of bad loans (0.06%)


Next Steps

Dividend

What is Blue Valley Ban's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

company0%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

High Dividend: Unable to evaluate BVBC'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 BVBC's dividends per share have been stable in the past.

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


Current Payout to Shareholders

Dividend Coverage: BVBC is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BVBC'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 Blue Valley Ban's salary, the management and board of directors tenure and is there insider trading?

15.7yrs

Average management tenure


CEO

Bob Regnier (69yo)

30.3yrs

Tenure

US$356,691

Compensation

Mr. Robert D. Regnier has been the Chairman, President and Chief Executive Officer of Blue Valley Ban Corp. (the “Company”) and Bank of Blue Valley (the Bank) since their formation in 1989. He is the Found ...


CEO Compensation Analysis

Information is not available.

Compensation vs Earnings: Bob's compensation has been consistent with company performance over the past year.


Management Age and Tenure

15.7yrs

Average Tenure

58yo

Average Age

Experienced Management: BVBC's management team is seasoned and experienced (15.7 years average tenure).


Board Age and Tenure

4.3yrs

Average Tenure

67yo

Average Age

Experienced Board: BVBC's board of directors are considered experienced (4.3 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

  • Bob Regnier (69yo)

    Chairman

    • Tenure: 30.3yrs
    • Compensation: US$356.69k
  • Mark Fortino (52yo)

    CFO, Secretary & Treasurer

    • Tenure: 21yrs
    • Compensation: US$240.13k
  • Sheila Stratton

    Senior Vice President of Marketing & Digital Strategies

    • Tenure: 1.3yrs
  • Bonnie McConnaughy (58yo)

    Senior Vice President of Deposit Operations & E-Business Solutions for Bank of Blue Valley

    • Tenure: 10.4yrs
    • Compensation: US$152.52k
  • Jill Krizek

    Human Resources/Recruiter

    • Tenure: 0yrs

Board Members

  • Tom McDonnell (72yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$9.15k
  • Don Alexander (79yo)

    Director

    • Tenure: 27yrs
    • Compensation: US$34.95k
  • Bob Taylor (71yo)

    Director

    • Tenure: 13.1yrs
    • Compensation: US$17.40k
  • Bob Regnier (69yo)

    Chairman

    • Tenure: 30.3yrs
    • Compensation: US$356.69k
  • Anne St. Peter (52yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$5.50k
  • Tony Scavuzzo (36yo)

    Director

    • Tenure: 3.8yrs
  • James Gegg (67yo)

    Director

    • Tenure: 6.7yrs
    • Compensation: US$19.25k
  • Steve Wilkinson (65yo)

    Director of Bank of Blue Valley

    • Tenure: 0yrs
  • Ryan Wilkerson (41yo)

    Director of Bank of Blue Valley

    • Tenure: 2.8yrs

Company Information

Blue Valley Ban Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Blue Valley Ban Corp.
  • Ticker: BVBC
  • Exchange: OTCPK
  • Founded: 1989
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$85.445m
  • Shares outstanding: 5.80m
  • Website: https://www.bankbv.com

Number of Employees


Location

  • Blue Valley Ban Corp.
  • 11935 Riley Street
  • Overland Park
  • Kansas
  • 66213
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BVBCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 2002

Biography

Blue Valley Ban Corp. operates as the holding company for Bank of Blue Valley that provides a range of banking services to consumer and commercial customers in Johnson County, Kansas. It accepts various de ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/05/13 23:34
End of Day Share Price2019/05/13 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.