OTCPK:CNBA

Stock Analysis Report

Executive Summary

Chester Bancorp, Inc. operates as the holding company for Chester National Bank that provides a range of banking services to individuals and businesses in Chester, Illinois.

Snowflake

Fundamentals

Second-rate dividend payer with weak fundamentals.

Risks

  • Chester Bancorp's last earnings update was 1272 days ago.
  • Chester Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CNBA

-1.8%

US Banks

0.2%

US Market


1 Year Return

n/a

OTCPK:CNBA

-15.3%

US Banks

-0.7%

US Market

No trading data on CNBA.

No trading data on CNBA.


Share holder returns

CNBAIndustryMarket
7 Day0%-1.8%0.2%
30 Day0%-6.4%-2.7%
90 Dayn/a-4.0%1.6%
1 Yearn/a-12.9%-15.3%1.6%-0.7%
3 Year5.3%-8.2%41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


Intrinsic Value Based on Future Cash Flows

Chester Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Chester Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

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

Unable to calculate PE ratio for Chester Bancorp, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Chester 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 Chester 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 Chester 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

  • Take a look at our analysis of CNBA’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 Chester Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Chester Bancorp performed over the past 5 years?

0.2%

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, Chester Bancorp 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

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Chester Bancorp's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • 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 Chester Bancorp's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

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


In this section we usually analyse Chester 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. Chester 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 CNBA’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 Chester Bancorp's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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

4.63%

Current Dividend Yield


Dividend Yield and Payments Analysis

Chester Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

Chester Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.83%).

Dividends per share have been stable in the past 10 years.

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Chester 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 Chester Bancorp's salary, the management and board of directors tenure and is there insider trading?

23.6yrs

Average board tenure


CEO

Mike Welge (78yo)

0.0yrs

Tenure

0

Mr. Michael W. Welge, also known as Mike, serves as Chairman, President, Chief Executive Officer and Chief Financial Officer of Chester Bancorp Inc. Mr. Welge has been employed for the past 41 years at Gil ...


Board Age and Tenure

23.6yrs

Average Tenure

78yo

Average Age

The average tenure for the Chester Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Mike Welge (78yo)

    Chairman

    • Tenure: 0.0yrs
  • Mary Homan

    VP, Treasurer & Secretary to the Corporation

    • Tenure: 0.0yrs

Board Members

  • Mike Welge (78yo)

    Chairman

    • Tenure: 0.0yrs
  • Thomas Welch (79yo)

    Director

    • Tenure: 23.6yrs
  • John Beck (85yo)

    Director

    • Tenure: 23.6yrs
  • Ronald Arbeiter (63yo)

    Director

    • Tenure: 11.3yrs
  • Thomas Search (66yo)

    Director

    • Tenure: 6.6yrs

Company Information

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


Key Information

  • Name: Chester Bancorp, Inc.
  • Ticker: CNBA
  • Exchange: OTCPK
  • Founded: 1996
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$13.098m
  • Shares outstanding: 713.00k
  • Website: https://www.chesternationalbank.com

Location

  • Chester Bancorp, Inc.
  • 1112 State Street
  • PO Box 327
  • Chester
  • Illinois
  • 62233
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CNBAOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 1996

Biography

Chester Bancorp, Inc. operates as the holding company for Chester National Bank that provides a range of banking services to individuals and businesses in Chester, Illinois. It offers checking accounts, su ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:59
End of Day Share Price2019/07/15 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.