OTCPK:CROL

Stock Analysis Report

Executive Summary

Carroll Bancorp, Inc. operates as the bank holding company for Carroll Community Bank that provides financial services to individuals, families, and businesses in Maryland.

Snowflake

Fundamentals

Adequate balance sheet with acceptable track record.

Risks

  • Carroll Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.8%

OTCPK:CROL

3.3%

US Banks

2.1%

US Market


1 Year Return

-6.5%

OTCPK:CROL

-13.8%

US Banks

-0.04%

US Market

CROL outperformed the Banks industry which returned -14.8% over the past year.

CROL underperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

CROLIndustryMarket
7 Day-0.8%3.3%2.1%
30 Day-0.5%-7.0%-3.2%
90 Day-3.5%-2.3%2.8%
1 Year-6.5%-6.5%-11.3%-13.8%2.2%-0.04%
3 Year-8.5%-8.5%42.5%32.7%41.5%32.3%
5 Year6.7%6.7%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

36.32x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Carroll Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Carroll Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Carroll Bancorp is overvalued based on earnings compared to the US Banks industry average.

Carroll Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Carroll Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Carroll Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

30.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Carroll Bancorp is high growth as no revenue estimate data is available.

Carroll Bancorp's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Carroll Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Carroll Bancorp's earnings growth is expected to exceed the United States of America market average.

Carroll Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Carroll Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Carroll Bancorp performed over the past 5 years?

3.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Carroll Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Carroll Bancorp's 1-year earnings growth exceeds its 5-year average (68.1% vs 3.1%)

Carroll Bancorp's earnings growth has exceeded the US Banks industry average in the past year (68.1% vs 33.2%).


Return on Equity

Carroll Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Carroll Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Carroll Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Carroll Bancorp has an acceptable proportion of non-loan assets held.

Carroll Bancorp has a low allowance for bad loans.

Carroll Bancorp's liabilities are made up of primarily low risk sources of funding.

Carroll Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Carroll Bancorp are broadly funded by customer deposits.

Carroll Bancorp has a high level of bad loans (greater than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Carroll Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Carroll Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Carroll Bancorp has not reported any payouts.

Unable to verify if Carroll Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

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

8.5yrs

Average board tenure


CEO

Russ Grimes (62yo)

8.6yrs

Tenure

US$256,052

Compensation

Mr. Russell J. Grimes, Jr. is the President, Chief Executive Officer, and a Director of Carroll Bancorp, Inc. and Carroll Community Bank. He has been a Director of Carroll Bancorp, Inc. since its inception ...


CEO Compensation Analysis

Russ's remuneration is lower than average for companies of similar size in United States of America.

Russ's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

8.5yrs

Average Tenure

71yo

Average Age

The tenure for the Carroll Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Russ Grimes (62yo)

    President

    • Tenure: 8.6yrs
    • Compensation: US$256.05k
  • Mike Gallina (61yo)

    Executive VP

    • Tenure: 8.5yrs
    • Compensation: US$183.29k
  • George Peck (55yo)

    Executive VP & Chief Lending Officer

    • Tenure: 0.0yrs
    • Compensation: US$190.74k
  • Michelle Miller

    Corporate Secretary

    • Tenure: 0.0yrs

Board Members

  • Russ Grimes (62yo)

    President

    • Tenure: 8.6yrs
    • Compensation: US$256.05k
  • Roger Barnes (77yo)

    Director

    • Tenure: 8.5yrs
    • Compensation: US$19.88k
  • Celius Brown (79yo)

    Chairman of the Board

    • Tenure: 8.5yrs
    • Compensation: US$26.95k
  • Gilbert Fleming (71yo)

    Director

    • Tenure: 31.6yrs
    • Compensation: US$18.45k
  • Brian Haight (52yo)

    Vice Chairman of the Board

    • Tenure: 8.5yrs
    • Compensation: US$20.45k
  • Nancy Parker (75yo)

    Director

    • Tenure: 9.6yrs
    • Compensation: US$20.90k
  • Barry Renbaum (71yo)

    Director

    • Tenure: 4.6yrs
    • Compensation: US$23.30k
  • Jim Kohler (71yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$20.54k
  • Leo Vondas (71yo)

    Director

    • Tenure: 4.3yrs
    • Compensation: US$22.24k
  • Steven Aquino

    Member of Advisory Board

    • Tenure: 0.0yrs

Company Information

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


Key Information

  • Name: Carroll Bancorp, Inc.
  • Ticker: CROL
  • Exchange: OTCPK
  • Founded: 1870
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$14.171m
  • Shares outstanding: 1.13m
  • Website: https://www.carrollcobank.com

Number of Employees


Location

  • Carroll Bancorp, Inc.
  • 1321 Liberty Road
  • Sykesville
  • Maryland
  • 21784
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CROLOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2011

Biography

Carroll Bancorp, Inc. operates as the bank holding company for Carroll Community Bank that provides financial services to individuals, families, and businesses in Maryland. It accepts various deposit produ ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:19
End of Day Share Price2019/08/22 00:00
Earnings2019/03/31
Annual Earnings2018/12/31


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.