OTCPK:CBKW

Stock Analysis Report

Executive Summary

Choice Bancorp, Inc. operates as the bank holding company for Choice Bank that provides banking products and services to individual and corporate clients in Wisconsin.

Snowflake

Fundamentals

Acceptable track record and overvalued.

Risks

  • Choice Bancorp has significant price volatility in the past 3 months.
  • Choice Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-3.2%

OTCPK:CBKW

3.3%

US Banks

2.1%

US Market


1 Year Return

57.2%

OTCPK:CBKW

-13.8%

US Banks

-0.04%

US Market

CBKW outperformed the Banks industry which returned -13.8% over the past year.

CBKW outperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

CBKWIndustryMarket
7 Day-3.2%3.3%2.1%
30 Day-4.7%-7.0%-3.2%
90 Day38.3%-2.3%2.8%
1 Year57.2%57.2%-11.3%-13.8%2.2%-0.04%
3 Year129.2%129.2%42.5%32.7%41.5%32.3%
5 Year274.2%274.2%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Choice Bancorp undervalued based on future cash flows and its price relative to the stock market?

14.46x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Choice Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Choice Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Choice Bancorp is overvalued based on earnings compared to the US Banks industry average.

Choice Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Choice Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

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

1.8%

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 Choice 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 Choice Bancorp performed over the past 5 years?

11.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Choice Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Choice Bancorp's 1-year earnings growth exceeds its 5-year average (98.8% vs 11.1%)

Choice Bancorp's earnings growth has exceeded the US Banks industry average in the past year (98.8% vs 33.1%).


Return on Equity

Unable to establish if Choice Bancorp has efficiently used shareholders’ funds last year as no Return on Equity data is available.


Return on Assets

Unable to establish if Choice Bancorp has efficiently used its assets last year compared to the US Banks industry average (Return on Assets) as past financial data has not been reported.


Return on Capital Employed

Unable to establish if Choice Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Choice Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Choice Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Choice Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of CBKW’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Choice Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Choice Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Choice Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Choice Bancorp has not reported any payouts.

Unable to verify if Choice Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Choice Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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

8.3yrs

Average management tenure


CEO

Joel Sitter (57yo)

8.3yrs

Tenure

US$347,617

Compensation

Mr. Joel Scott Sitter has been Chief Executive Officer and President of Choice Bancorp, Inc. (“Company”) since May 16, 2011 and Chief Executive Officer and President of its Subsidiary, Choice Bank (“Bank”) ...


Management Age and Tenure

8.3yrs

Average Tenure

58.5yo

Average Age

The average tenure for the Choice Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

9.4yrs

Average Tenure

62.5yo

Average Age

The tenure for the Choice Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • William Kahl

    Compliance Officer and Assistant Vice President

    • Tenure: 0.0yrs
  • Stan Leedle (63yo)

    Executive VP & CCO

    • Tenure: 9.4yrs
    • Compensation: US$238.21k
  • Mark Troudt (58yo)

    Risk Management Officer

    • Tenure: 9.4yrs
    • Compensation: US$4.40k
  • John Glynn (59yo)

    Senior VP & CFO

    • Tenure: 8.4yrs
    • Compensation: US$194.57k
  • Joel Sitter (57yo)

    President & CEO

    • Tenure: 8.3yrs
    • Compensation: US$347.62k
  • Maggie McReath

    Human Resource Officer

    • Tenure: 0.0yrs
  • Mark Coles

    Executive Director of Choice - Community Hub for Opportunities in Construction Employment

    • Tenure: 5.3yrs
  • Patti Probst

    Controller

    • Tenure: 0.0yrs

Board Members

  • Kenneth Balda (63yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$11.51k
  • Michael Hanneman (62yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$10.16k
  • Stan Leedle (63yo)

    Executive VP & CCO

    • Tenure: 9.4yrs
    • Compensation: US$238.21k
  • Mark Troudt (58yo)

    Risk Management Officer

    • Tenure: 9.4yrs
    • Compensation: US$4.40k
  • Joel Sitter (57yo)

    President & CEO

    • Tenure: 8.3yrs
    • Compensation: US$347.62k
  • Rodney Oilschlager (68yo)

    Chairman of the Board

    • Tenure: 9.4yrs
    • Compensation: US$12.21k
  • Gerald Thiele (56yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$10.91k
  • Archie Stam (63yo)

    Director

    • Tenure: 9.4yrs
    • Compensation: US$10.66k
  • Thomas Muza (64yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$10.21k
  • James Poeschl (61yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$11.96k

Company Information

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


Key Information

  • Name: Choice Bancorp, Inc.
  • Ticker: CBKW
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$70.499m
  • Shares outstanding: 2.31m
  • Website: https://www.choice.bank

Location

  • Choice Bancorp, Inc.
  • 1041 North Westhaven Drive
  • PO Box 2762
  • Oshkosh
  • Wisconsin
  • 54903-2762
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBKWOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2006

Biography

Choice Bancorp, Inc. operates as the bank holding company for Choice Bank that provides banking products and services to individual and corporate clients in Wisconsin. The company offers checking and money ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:55
End of Day Share Price2019/08/23 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.