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CSKL

Catskill Hudson Bancorp OTCPK:CSKL Stock Report

Last Price

US$27.00

Market Cap

US$19.0m

7D

0%

1Y

-5.6%

Updated

17 Aug, 2022

Data

Company Financials
CSKL fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health5/6
Dividends2/6

CSKL Stock Overview

Catskill Hudson Bancorp, Inc. operates as a holding company for Catskill Hudson Bank that provides various commercial banking services to individuals and businesses in the United States.

Catskill Hudson Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Catskill Hudson Bancorp
Historical stock prices
Current Share PriceUS$27.00
52 Week HighUS$33.50
52 Week LowUS$26.65
Beta0.022
1 Month Change-3.57%
3 Month Change-9.09%
1 Year Change-5.63%
3 Year Change13.45%
5 Year Change39.18%
Change since IPO45.95%

Recent News & Updates

Shareholder Returns

CSKLUS BanksUS Market
7D0%6.7%4.5%
1Y-5.6%-8.3%-8.9%

Return vs Industry: CSKL exceeded the US Banks industry which returned -8.3% over the past year.

Return vs Market: CSKL exceeded the US Market which returned -8.9% over the past year.

Price Volatility

Is CSKL's price volatile compared to industry and market?
CSKL volatility
CSKL Average Weekly Movementn/a
Banks Industry Average Movement3.7%
Market Average Movement7.6%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.1%

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

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

About the Company

FoundedEmployeesCEOWebsite
1993n/aMario Martinezhttps://www.chbny.com

Catskill Hudson Bancorp, Inc. operates as a holding company for Catskill Hudson Bank that provides various commercial banking services to individuals and businesses in the United States. The company accepts deposits, such as checking accounts, savings accounts, certificate of deposits, and individual retirement accounts. Its loan products include business loans comprising revolving lines of credit, term loans, letters of credit, bridge loans, and commercial real estate loans; and personal loans, such as mortgage and home loans, fixed and adjustable-rate mortgage loans, home equity line of credit, and home equity fixed rate loans.

Catskill Hudson Bancorp Fundamentals Summary

How do Catskill Hudson Bancorp's earnings and revenue compare to its market cap?
CSKL fundamental statistics
Market CapUS$19.03m
Earnings (TTM)US$1.52m
Revenue (TTM)US$14.91m

12.5x

P/E Ratio

0.7x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CSKL income statement (TTM)
RevenueUS$14.91m
Cost of RevenueUS$0
Gross ProfitUS$14.91m
Other ExpensesUS$13.39m
EarningsUS$1.52m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.16
Gross Margin100.00%
Net Profit Margin10.21%
Debt/Equity Ratio56.2%

How did CSKL perform over the long term?

See historical performance and comparison

Dividends

1.7%

Current Dividend Yield

21%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • 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 CSKL?

Other financial metrics that can be useful for relative valuation.

CSKL 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 CSKL's PE Ratio compare to its peers?

CSKL PE Ratio vs Peers
The above table shows the PE ratio for CSKL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average14x
ELMA Elmer Bancorp
11xn/aUS$20.1m
RBAZ RBAZ Bancorp
9.5xn/aUS$19.0m
GVFF Greenville Federal Financial
21.3xn/aUS$19.6m
FHLB Friendly Hills Bancorp
14.7xn/aUS$17.4m
CSKL Catskill Hudson Bancorp
12.5xn/aUS$19.0m

Price-To-Earnings vs Peers: CSKL is good value based on its Price-To-Earnings Ratio (12.5x) compared to the peer average (14x).


Price to Earnings Ratio vs Industry

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

Price-To-Earnings vs Industry: CSKL is expensive based on its Price-To-Earnings Ratio (12.5x) compared to the US Banks industry average (10.2x)


Price to Earnings Ratio vs Fair Ratio

What is CSKL'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.

CSKL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.5x
Fair PE Ration/a

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


Share Price vs Fair Value

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

Below Fair Value: CSKL ($27) is trading below our estimate of fair value ($40.28)

Significantly Below Fair Value: CSKL is trading below fair value by more than 20%.


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 Catskill Hudson 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


10.6%

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 Catskill Hudson 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 whether Catskill Hudson Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • 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 Catskill Hudson Bancorp's filings and announcements here.

Past Performance

How has Catskill Hudson Bancorp performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-0.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CSKL has high quality earnings.

Growing Profit Margin: CSKL's current net profit margins (10.2%) are higher than last year (8.3%).


Past Earnings Growth Analysis

Earnings Trend: CSKL's earnings have declined by 0.8% per year over the past 5 years.

Accelerating Growth: CSKL's earnings growth over the past year (34.2%) exceeds its 5-year average (-0.8% per year).

Earnings vs Industry: CSKL earnings growth over the past year (34.2%) exceeded the Banks industry 9.2%.


Return on Equity

High ROE: CSKL's Return on Equity (5.6%) is considered low.


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Financial Health

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

Financial Health Score

5/6

Financial Health Score 5/6

  • 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: CSKL's Assets to Equity ratio (21.2x) is very high.

Allowance for Bad Loans: CSKL has a sufficient allowance for bad loans (210%).

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

Loan Level: CSKL has an appropriate level of Loans to Assets ratio (66%).

Low Risk Deposits: CSKL's Loans to Deposits ratio (71%) is appropriate.

Level of Bad Loans: CSKL has an appropriate level of bad loans (0.3%).


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Dividend

What is Catskill Hudson Bancorp current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


1.67%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CSKL's dividend (1.67%) is higher than the bottom 25% of dividend payers in the US market (1.47%).

High Dividend: CSKL's dividend (1.67%) is low compared to the top 25% of dividend payers in the US market (3.95%).


Stability and Growth of Payments

Stable Dividend: CSKL has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: CSKL's dividend payments have increased, but the company has only paid a dividend for 6 years.


Current Payout to Shareholders

Earnings Coverage: With its low payout ratio (20.8%), CSKL's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


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Management

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

4.1yrs

Average management tenure


CEO

Mario Martinez (65 yo)

7.58yrs

Tenure

Mr. Mario L. Martinez serves as the Chairman of Catskill Hudson Bancorp, Inc. and Catskill Hudson Bank and has been its Chief Executive Officer since December 23, 2015.


Leadership Team

Experienced Management: CSKL's management team is considered experienced (4.1 years average tenure).


Board Members

Experienced Board: CSKL's board of directors are seasoned and experienced ( 16.6 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

Catskill Hudson Bancorp, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Catskill Hudson Bancorp, Inc.
  • Ticker: CSKL
  • Exchange: OTCPK
  • Founded: 1993
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$19.026m
  • Shares outstanding: 704.68k
  • Website: https://www.chbny.com

Location

  • Catskill Hudson Bancorp, Inc.
  • 95 Schwenk Drive
  • Kingston
  • New York
  • 12401
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/17 00:00
End of Day Share Price2022/07/27 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.