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CDAB

Coeur d'Alene Bancorp OTCPK:CDAB Stock Report

Last Price

US$11.19

Market Cap

US$21.1m

7D

0.8%

1Y

-1.0%

Updated

15 Aug, 2022

Data

Company Financials
CDAB fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance3/6
Financial Health4/6
Dividends0/6

CDAB Stock Overview

Coeur d'Alene Bancorp, Inc. operates as the holding company for bankcda that provides various banking products and services to individuals and businesses in Idaho and Washington.

Coeur d'Alene Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Coeur d'Alene Bancorp
Historical stock prices
Current Share PriceUS$11.19
52 Week HighUS$12.19
52 Week LowUS$10.50
Beta0.23
1 Month Change2.76%
3 Month Change5.07%
1 Year Change-0.97%
3 Year Change27.02%
5 Year Changen/a
Change since IPO32.43%

Recent News & Updates

Shareholder Returns

CDABUS BanksUS Market
7D0.8%6.1%3.6%
1Y-1.0%-10.2%-9.6%

Return vs Industry: CDAB exceeded the US Banks industry which returned -10.9% over the past year.

Return vs Market: CDAB exceeded the US Market which returned -10.2% over the past year.

Price Volatility

Is CDAB's price volatile compared to industry and market?
CDAB volatility
CDAB Average Weekly Movementn/a
Banks Industry Average Movement3.7%
Market Average Movement7.7%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: Insufficient data to determine CDAB's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine CDAB's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
2000n/aWes Veachhttps://www.bankcda.com

Coeur d'Alene Bancorp, Inc. operates as the holding company for bankcda that provides various banking products and services to individuals and businesses in Idaho and Washington. It offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company also provides consumer and construction loans; personal loans; and business and small business administration loans.

Coeur d'Alene Bancorp Fundamentals Summary

How do Coeur d'Alene Bancorp's earnings and revenue compare to its market cap?
CDAB fundamental statistics
Market CapUS$21.07m
Earnings (TTM)US$1.78m
Revenue (TTM)US$6.76m

11.9x

P/E Ratio

1.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CDAB income statement (TTM)
RevenueUS$6.76m
Cost of RevenueUS$0
Gross ProfitUS$6.76m
Other ExpensesUS$4.99m
EarningsUS$1.78m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.94
Gross Margin100.00%
Net Profit Margin26.24%
Debt/Equity Ratio1.1%

How did CDAB perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

1/6

Valuation Score 1/6

  • 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 CDAB?

Other financial metrics that can be useful for relative valuation.

CDAB 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 CDAB's PE Ratio compare to its peers?

CDAB PE Ratio vs Peers
The above table shows the PE ratio for CDAB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average12.4x
FIBH First Bancshares (Bellevue OH)
7.4xn/aUS$22.3m
GVFF Greenville Federal Financial
20.9xn/aUS$19.4m
ELMA Elmer Bancorp
11.6xn/aUS$21.4m
RBAZ RBAZ Bancorp
9.5xn/aUS$19.0m
CDAB Coeur d'Alene Bancorp
11.9xn/aUS$21.1m

Price-To-Earnings vs Peers: CDAB is good value based on its Price-To-Earnings Ratio (11.9x) compared to the peer average (12.4x).


Price to Earnings Ratio vs Industry

How does CDAB's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: CDAB is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the US Banks industry average (10.1x)


Price to Earnings Ratio vs Fair Ratio

What is CDAB'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.

CDAB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.9x
Fair PE Ration/a

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


Share Price vs Fair Value

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

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

Significantly Below Fair Value: Insufficient data to calculate CDAB'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.


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Future Growth

How is Coeur d'Alene 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


10.4%

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 Coeur d'Alene 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

  • Examine Coeur d'Alene Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  • 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 Coeur d'Alene Bancorp's filings and announcements here.

Past Performance

How has Coeur d'Alene Bancorp performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


37.5%

Last years earnings growth

Earnings and Revenue History

Quality Earnings: CDAB has high quality earnings.

Growing Profit Margin: CDAB's current net profit margins (26.2%) are higher than last year (20.1%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if CDAB's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare CDAB's past year earnings growth to its 5-year average.

Earnings vs Industry: CDAB earnings growth over the past year (37.5%) exceeded the Banks industry 8.8%.


Return on Equity

High ROE: CDAB's Return on Equity (8.2%) is considered low.


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Financial Health

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

Financial Health Score

4/6

Financial Health Score 4/6

  • 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: CDAB's Assets to Equity ratio (11.5x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if CDAB has a sufficient allowance for bad loans.

Low Risk Liabilities: 97% of CDAB's liabilities are made up of primarily low risk sources of funding.

Loan Level: CDAB has an appropriate level of Loans to Assets ratio (33%).

Low Risk Deposits: CDAB's Loans to Deposits ratio (37%) is appropriate.

Level of Bad Loans: Insufficient data to determine if CDAB has an appropriate level of bad loans.


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Dividend

What is Coeur d'Alene Bancorp current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

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

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


Stability and Growth of Payments

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

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


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: No need to calculate the sustainability of CDAB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Discover strong dividend paying companies

Management

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

5.0yrs

Average board tenure


CEO

Wes Veach

no data

Tenure

Mr. Wesley R. Veach also known as Wes, serves as the Chief Executive Officer and President of Bank CDA and its parent Coeur d'Alene Bancorp. Mr. Veach served as Chief Financial Officer of Canyon Community...


Board Members

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

Coeur d'Alene Bancorp, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Coeur d'Alene Bancorp, Inc.
  • Ticker: CDAB
  • Exchange: OTCPK
  • Founded: 2000
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$21.071m
  • Shares outstanding: 1.88m
  • Website: https://www.bankcda.com

Location

  • Coeur d'Alene Bancorp, Inc.
  • 912 Northwest Boulevard
  • Coeur d'Alene
  • Idaho
  • 83814
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/15 00:00
End of Day Share Price2022/08/12 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.