OTCPK:CCYY

Stock Analysis Report

Clarion County Community Bank

Executive Summary

Clarion County Community Bank provides banking products and services to individuals and businesses primarily in Pennsylvania.

Snowflake

Fundamentals

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Clarion County Community Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

CCYY

1.4%

US Banks

1.0%

US Market


1 Year Return

n/a

CCYY

0.2%

US Banks

6.7%

US Market

Return vs Industry: Insufficient data to determine how CCYY performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CCYY performed against the US Market.


Share holder returns

CCYYIndustryMarket
7 Day0%1.4%1.0%
30 Day0%-2.6%-1.8%
90 Day1.1%0.8%-1.8%
1 Yearn/a3.1%0.2%9.1%6.7%
3 Year36.2%30.0%52.0%41.5%46.1%36.6%
5 Year61.8%50.3%69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is Clarion County Community Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Clarion County Community Bank undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Undervalued: CCYY ($8.19) is trading above our estimate of fair value ($1.33)

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


Price Based on Earnings

PE vs Industry: Insufficient data to calculate CCYY's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate CCYY's PE Ratio to determine if it is good value compared to the US market.


Price Based on Expected Growth

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


Price Based on Value of Assets

PB vs Industry: Insufficient data to calculate CCYY's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is Clarion County Community Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.3%

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 Clarion County Community Bank 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

  • Take a look at our analysis of CCYY’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.
  • 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 Clarion County Community Bank's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Clarion County Community Bank performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Clarion County Community Bank has not provided sufficient past data to assess its track record.

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


Next Steps

Financial Health

How is Clarion County Community Bank's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Clarion County Community Bank'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. Clarion County Community Bank 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 CCYY’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 Clarion County Community Bank's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Clarion County Community Bank's current dividend yield, its reliability and sustainability?

1.22%

Current Dividend Yield


Dividend Yield vs Market

company1.2%marketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: CCYY's dividend (1.22%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.46%).

High Dividend: CCYY's dividend (1.22%) is low compared to the top 25% of dividend payers in the US market (3.77%).

Stable Dividend: Whilst dividend payments have been stable, CCYY has been paying a dividend for less than 10 years.

Growing Dividend: CCYY's dividend payments have increased, but the company has only paid a dividend for 7 years.


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


Next Steps

Management

What is the CEO of Clarion County Community Bank's salary, the management and board of directors tenure and is there insider trading?

15.8yrs

Average management tenure


CEO

Jim Kifer (57yo)

15.8yrs

Tenure

0

Mr. James L. Kifer, also known as Jim, has served as the President, Chief Executive Officer, Chief Financial Officer and Director since July 2019 of Clarion County Community Bank (the "Bank") since its for ...


Management Age and Tenure

15.8yrs

Average Tenure

58.5yo

Average Age

Experienced Management: CCYY's management team is seasoned and experienced (15.8 years average tenure).


Board Age and Tenure

15.8yrs

Average Tenure

63.5yo

Average Age

Experienced Board: CCYY's board of directors are seasoned and experienced ( 15.8 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

  • H. Heffner (79yo)

    Treasurer & Director

    • Tenure: 15.8yrs
    • Compensation: US$6.80k
  • Jim Kifer (57yo)

    President

    • Tenure: 15.8yrs
  • J. Cherico (60yo)

    Secretary & Director

    • Tenure: 15.8yrs
    • Compensation: US$7.45k
  • Mike Fornof (56yo)

    Chief Credit Officer & Executive VP

    • Tenure: 16.1yrs

Board Members

  • Rodney Flick (68yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$8.40k
  • Richard Shirley (51yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$6.65k
  • H. Heffner (79yo)

    Treasurer & Director

    • Tenure: 15.8yrs
    • Compensation: US$6.80k
  • Jim Kifer (57yo)

    President

    • Tenure: 15.8yrs
  • J. Cherico (60yo)

    Secretary & Director

    • Tenure: 15.8yrs
    • Compensation: US$7.45k
  • Stephen Jaworski (66yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$7.30k
  • Thomas Ray (53yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$6.10k
  • Don Lewis (86yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$6.85k
  • Susanne Burns (78yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$7.15k
  • William Hager (61yo)

    Chairman of the Board

    • Tenure: 15.8yrs
    • Compensation: US$12.80k

Company Information

Clarion County Community Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Clarion County Community Bank
  • Ticker: CCYY
  • Exchange: OTCPK
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$13.642m
  • Shares outstanding: 1.67m
  • Website: https://www.clarionbank.com

Location

  • Clarion County Community Bank
  • 333 West Main Street
  • Clarion
  • Pennsylvania
  • 16214
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCYYOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 2004

Biography

Clarion County Community Bank provides banking products and services to individuals and businesses primarily in Pennsylvania. It accepts checking, savings, and term certificate accounts; offers mortgage, c ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 01:52
End of Day Share Price2019/08/29 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


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.

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