OTCPK:CRZY

Stock Analysis Report

Crazy Woman Creek Bancorp

Executive Summary

Crazy Woman Creek Bancorp operates as the holding company for Buffalo Federal Bank that provides banking services to individual and corporate customers in Central Wyoming.

Snowflake

Fundamentals

Adequate balance sheet and slightly overvalued.

Risks

  • Crazy Woman Creek Bancorp's last earnings update was 481 days ago.
  • Crazy Woman Creek Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

4.6%

OTCPK:CRZY

3.3%

US Banks

2.1%

US Market


1 Year Return

-10.5%

OTCPK:CRZY

-13.8%

US Banks

-0.04%

US Market

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

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


Share holder returns

CRZYIndustryMarket
7 Day4.6%3.3%2.1%
30 Day4.3%-7.0%-3.2%
90 Day-1.4%-2.3%2.8%
1 Year-8.9%-10.5%-11.3%-13.8%2.2%-0.04%
3 Year32.8%25.9%42.5%32.7%41.5%32.3%
5 Year65.7%53.8%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

12.44x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Crazy Woman Creek Bancorp is overvalued based on earnings compared to the US Banks industry average.

Crazy Woman Creek Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

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


Price Based on Value of Assets

Crazy Woman Creek Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Crazy Woman Creek 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 Crazy Woman Creek 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

  • Examine Crazy Woman Creek 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 Crazy Woman Creek Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Crazy Woman Creek Bancorp performed over the past 5 years?

23.0%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Crazy Woman Creek Bancorp's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Crazy Woman Creek Bancorp's 1-year earnings growth to the 5-year average due to insufficient past data.

Crazy Woman Creek Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (23% vs 33.2%).


Return on Equity

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


Return on Assets

Crazy Woman Creek 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 Crazy Woman Creek 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 Crazy Woman Creek 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

Crazy Woman Creek Bancorp has an acceptable proportion of non-loan assets held.

Unable to establish if Crazy Woman Creek Bancorp has a sufficient allowance for bad loans without relevant financial data.

Crazy Woman Creek Bancorp's liabilities are made up of primarily low risk sources of funding.

Crazy Woman Creek Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Crazy Woman Creek Bancorp are broadly funded by customer deposits.

Unable to establish if Crazy Woman Creek Bancorp has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Crazy Woman Creek Bancorp's current dividend yield, its reliability and sustainability?

1.82%

Current Dividend Yield


Dividend Yield and Payments Analysis

Crazy Woman Creek Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Crazy Woman Creek Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4.4x coverage).


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 Crazy Woman Creek Bancorp's salary, the management and board of directors tenure and is there insider trading?

10.8yrs

Average management tenure


CEO

Paul Brunkhorst (50yo)

9.6yrs

Tenure

0

Mr. Paul M. Brunkhorst serves as Chief Executive Officer of Crazy Woman Creek Bancorp Incorporated and also serves as its President. Mr. Brunkhorst has been a Director of Buffalo Federal Bank (the “Bank”). ...


Management Age and Tenure

10.8yrs

Average Tenure

72yo

Average Age

The average tenure for the Crazy Woman Creek Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

23.6yrs

Average Tenure

72yo

Average Age

The average tenure for the Crazy Woman Creek 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

  • Greg Goddard (72yo)

    Secretary & Director

    • Tenure: 23.7yrs
  • Sandy Todd (73yo)

    Treasurer & Director

    • Tenure: 23.6yrs
  • Paul Brunkhorst (50yo)

    President

    • Tenure: 9.6yrs
  • Carolyn Kaiser

    Senior VP & CFO

    • Tenure: 10.8yrs
  • Darold Destefano

    Branch President of Sheridan

    • Tenure: 0.0yrs
  • David Conrad

    Branch President & Chief Credit Officer

    • Tenure: 0.0yrs
  • Richard Griffith

    Senior VP & Senior Loan Officer

    • Tenure: 0.0yrs

Board Members

  • Deane Bjerke (72yo)

    Vice Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$86.70k
  • Greg Goddard (72yo)

    Secretary & Director

    • Tenure: 23.7yrs
  • Carl Reimann (83yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Sandy Todd (73yo)

    Treasurer & Director

    • Tenure: 23.6yrs
  • Tom Berry (71yo)

    Director

    • Tenure: 24.6yrs
  • Paul Brunkhorst (50yo)

    President

    • Tenure: 9.6yrs
  • Joe Helmer (46yo)

    Director

    • Tenure: 4.6yrs
  • Chanda Rule

    Director

    • Tenure: 0.0yrs

Company Information

Crazy Woman Creek Bancorp Incorporated's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Crazy Woman Creek Bancorp Incorporated
  • Ticker: CRZY
  • Exchange: OTCPK
  • Founded: 1936
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$15.140m
  • Shares outstanding: 890.59k
  • Website: https://www.buffalofed.com

Location

  • Crazy Woman Creek Bancorp Incorporated
  • 106 Fort Street
  • PO Box 1020
  • Buffalo
  • Wyoming
  • 82834
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CRZYOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMar 1996

Biography

Crazy Woman Creek Bancorp operates as the holding company for Buffalo Federal Bank that provides banking services to individual and corporate customers in Central Wyoming. It offers NOW, money market check ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:35
End of Day Share Price2019/08/21 00:00
Earnings2018/03/31
Annual Earnings2017/09/30


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.