company background image
CBMB

CBM Bancorp OTCPK:CBMB Stock Report

Last Price

US$17.71

Market Cap

US$58.2m

7D

0.6%

1Y

18.1%

Updated

08 Jul, 2022

Data

Company Financials
CBMB fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends2/6

CBMB Stock Overview

CBM Bancorp, Inc. operates as a bank holding company for the Chesapeake Bank of Maryland.

CBM Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for CBM Bancorp
Historical stock prices
Current Share PriceUS$17.71
52 Week HighUS$18.00
52 Week LowUS$13.33
Beta0.043
1 Month Change1.78%
3 Month Change1.78%
1 Year Change18.07%
3 Year Change30.51%
5 Year Changen/a
Change since IPO38.36%

Recent News & Updates

Shareholder Returns

CBMBUS MortgageUS Market
7D0.6%1.0%0.3%
1Y18.1%-23.6%-13.5%

Return vs Industry: CBMB exceeded the US Mortgage industry which returned -31.2% over the past year.

Return vs Market: CBMB exceeded the US Market which returned -16% over the past year.

Price Volatility

Is CBMB's price volatile compared to industry and market?
CBMB volatility
CBMB Average Weekly Movement0.8%
Mortgage Industry Average Movement3.7%
Market Average Movement7.9%
10% most volatile stocks in US Market17.2%
10% least volatile stocks in US Market3.2%

Stable Share Price: CBMB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 1% a week.

Volatility Over Time: CBMB's weekly volatility (1%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
191340Joe Solomonhttps://www.chesapeakebank.com

CBM Bancorp, Inc. operates as a bank holding company for the Chesapeake Bank of Maryland. Its deposit products include savings, money market, certificate of deposit, and retirement, as well as small business and corporate checking accounts. The company’s loan portfolio comprises one-to four-family residential real estate loans, nonresidential real estate loans, construction and land development loans, home equity loans and lines of credit, commercial loans, and consumer loans.

CBM Bancorp Fundamentals Summary

How do CBM Bancorp's earnings and revenue compare to its market cap?
CBMB fundamental statistics
Market CapUS$58.17m
Earnings (TTM)US$821.04k
Revenue (TTM)US$8.52m

70.9x

P/E Ratio

1.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CBMB income statement (TTM)
RevenueUS$8.52m
Cost of RevenueUS$0
Gross ProfitUS$8.52m
Other ExpensesUS$7.70m
EarningsUS$821.04k

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.25
Gross Margin100.00%
Net Profit Margin9.63%
Debt/Equity Ratio10.2%

How did CBMB perform over the long term?

See historical performance and comparison

Dividends

5.6%

Current Dividend Yield

n/a

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

0/6

Valuation Score 0/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

CBMB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

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

CBMB PE Ratio vs Peers
The above table shows the PE ratio for CBMB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.6x
WAYN Wayne Savings Bancshares
7.3xn/aUS$57.3m
IROQ IF Bancorp
9.9xn/aUS$56.8m
FSEA First Seacoast Bancorp
27.2xn/aUS$57.2m
HFBL Home Federal Bancorp of Louisiana
14.6xn/aUS$71.1m
CBMB CBM Bancorp
70.9xn/aUS$58.2m

Price-To-Earnings vs Peers: CBMB is expensive based on its Price-To-Earnings Ratio (70.9x) compared to the peer average (10.6x).


Price to Earnings Ratio vs Industry

How does CBMB's PE Ratio compare vs other companies in the US Mortgage Industry?

Price-To-Earnings vs Industry: CBMB is expensive based on its Price-To-Earnings Ratio (70.9x) compared to the US Mortgage industry average (11.4x)


Price to Earnings Ratio vs Fair Ratio

What is CBMB'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.

CBMB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio70.9x
Fair PE Ration/a

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


Share Price vs Fair Value

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

Below Fair Value: Insufficient data to calculate CBMB's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate CBMB's fair value 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.


Discover undervalued companies

Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


10.7%

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 CBM 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.


Discover growth companies

  • Check out CBM Bancorp's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
  • 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. If you are looking for more of a qualitative research into the company, you can access CBM Bancorp's filings and announcements here.

Past Performance

How has CBM Bancorp performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


29.1%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CBMB has high quality earnings.

Growing Profit Margin: CBMB's current net profit margins (9.6%) are higher than last year (8.7%).


Past Earnings Growth Analysis

Earnings Trend: CBMB's earnings have grown significantly by 29.1% per year over the past 5 years.

Accelerating Growth: CBMB's earnings growth over the past year (14.5%) is below its 5-year average (29.1% per year).

Earnings vs Industry: CBMB earnings growth over the past year (14.5%) exceeded the Mortgage industry 4.9%.


Return on Equity

High ROE: CBMB's Return on Equity (1.7%) is considered low.


Discover strong past performing companies

Financial Health

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

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CBMB's Assets to Equity ratio (5.1x) is low.

Allowance for Bad Loans: CBMB has a sufficient allowance for bad loans (595%).

Low Risk Liabilities: 96% of CBMB's liabilities are made up of primarily low risk sources of funding.

Loan Level: CBMB has an appropriate level of Loans to Assets ratio (60%).

Low Risk Deposits: CBMB's Loans to Deposits ratio (78%) is appropriate.

Level of Bad Loans: CBMB has an appropriate level of bad loans (0.2%).


Discover healthy companies

Dividend

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

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


5.65%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CBMB's dividend (5.65%) is higher than the bottom 25% of dividend payers in the US market (1.6%).

High Dividend: CBMB's dividend (5.65%) is in the top 25% of dividend payers in the US market (4.29%)


Stability and Growth of Payments

Stable Dividend: Too early to tell whether CBMB's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if CBMB's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

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


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

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

13.5yrs

Average board tenure


CEO

Joe Solomon (72 yo)

5.83yrs

Tenure

US$205,049

Compensation

Mr. Joseph M. Solomon, also known as Joe, serves as President, Managing Officer and Director of Chesapeake Bank of Maryland since September 2016. Mr. Solomon serves as President and Director of CBM Bancorp...


CEO Compensation Analysis

Compensation vs Market: Insufficient data to establish whether Joe's total compensation is reasonable compared to companies of similar size in the US market.

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


Board Members

Experienced Board: CBMB's board of directors are seasoned and experienced ( 13.5 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

CBM Bancorp, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: CBM Bancorp, Inc.
  • Ticker: CBMB
  • Exchange: OTCPK
  • Founded: 1913
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Implied Market Cap: US$58.174m
  • Shares outstanding: 3.28m
  • Website: https://www.chesapeakebank.com

Number of Employees


Location

  • CBM Bancorp, Inc.
  • 2001 East Joppa Road
  • Baltimore
  • Maryland
  • 21234
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/08 00:00
End of Day Share Price2022/07/07 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


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.