Croghan Bancshares Past Earnings Performance
Past criteria checks 1/6
Croghan Bancshares's earnings have been declining at an average annual rate of -2.2%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 1.8% per year. Croghan Bancshares's return on equity is 7.6%, and it has net margins of 23.9%.
Key information
-2.2%
Earnings growth rate
-0.8%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 1.8% |
| Return on equity | 7.6% |
| Net Margin | 23.9% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How Croghan Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 42 | 10 | 20 | 0 |
| 31 Dec 23 | 42 | 11 | 20 | 0 |
| 30 Sep 23 | 43 | 12 | 19 | 0 |
| 30 Jun 23 | 44 | 13 | 19 | 0 |
| 31 Mar 23 | 45 | 14 | 19 | 0 |
| 31 Dec 22 | 45 | 14 | 19 | 0 |
| 30 Sep 22 | 44 | 14 | 18 | 0 |
| 30 Jun 22 | 45 | 14 | 18 | 0 |
| 31 Mar 22 | 45 | 15 | 18 | 0 |
| 31 Dec 21 | 46 | 15 | 18 | 0 |
| 30 Sep 21 | 45 | 16 | 17 | 0 |
| 30 Jun 21 | 45 | 15 | 17 | 0 |
| 31 Mar 21 | 43 | 15 | 17 | 0 |
| 31 Dec 20 | 42 | 14 | 17 | 0 |
| 30 Sep 20 | 41 | 13 | 17 | 0 |
| 30 Jun 20 | 41 | 13 | 17 | 0 |
| 31 Mar 20 | 40 | 13 | 17 | 0 |
| 31 Dec 19 | 40 | 13 | 17 | 0 |
| 30 Sep 19 | 39 | 12 | 16 | 0 |
| 30 Jun 19 | 38 | 12 | 16 | 0 |
| 31 Mar 19 | 38 | 12 | 16 | 0 |
| 31 Dec 18 | 38 | 12 | 16 | 0 |
| 30 Sep 18 | 37 | 12 | 16 | 0 |
| 30 Jun 18 | 37 | 11 | 16 | 0 |
| 31 Mar 18 | 37 | 11 | 16 | 0 |
| 31 Dec 17 | 37 | 10 | 16 | 0 |
| 30 Sep 17 | 36 | 10 | 15 | 0 |
| 30 Jun 17 | 36 | 9 | 15 | 0 |
| 31 Mar 17 | 35 | 9 | 15 | 0 |
| 31 Dec 16 | 35 | 9 | 15 | 0 |
| 30 Sep 16 | 35 | 9 | 15 | 0 |
| 30 Jun 16 | 35 | 9 | 15 | 0 |
| 31 Mar 16 | 34 | 9 | 15 | 0 |
| 31 Dec 15 | 34 | 8 | 15 | 0 |
| 30 Sep 15 | 34 | 8 | 14 | 0 |
| 30 Jun 15 | 34 | 8 | 14 | 0 |
| 31 Mar 15 | 34 | 9 | 14 | 0 |
| 31 Dec 14 | 33 | 9 | 14 | 0 |
| 30 Sep 14 | 32 | 7 | 11 | 0 |
| 30 Jun 14 | 29 | 6 | 11 | 0 |
| 31 Mar 14 | 26 | 5 | 11 | 0 |
| 31 Dec 13 | 24 | 4 | 12 | 0 |
Quality Earnings: CHBH has high quality earnings.
Growing Profit Margin: CHBH's current net profit margins (23.9%) are lower than last year (28%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CHBH's earnings have declined by 2.2% per year over the past 5 years.
Accelerating Growth: CHBH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CHBH had negative earnings growth (-18.3%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).
Return on Equity
High ROE: CHBH's Return on Equity (7.6%) is considered low.