OTCPK:CSKL

Stock Analysis Report

Catskill Hudson Bancorp

Executive Summary

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

Snowflake

Fundamentals

Excellent balance sheet and good value.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

CSKL

4.1%

US Banks

1.0%

US Market


1 Year Return

n/a

CSKL

7.2%

US Banks

8.0%

US Market

Return vs Industry: Insufficient data to determine how CSKL performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CSKL performed against the US Market.


Shareholder returns

CSKLIndustryMarket
7 Day0%4.1%1.0%
30 Day-3.4%2.8%-0.07%
90 Day-4.2%2.9%-1.0%
1 Yearn/a10.3%7.2%10.4%8.0%
3 Year42.8%35.3%53.9%43.3%46.2%36.7%
5 Year40.3%28.5%71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Catskill Hudson Bancorp undervalued compared to its fair value and its price relative to the market?

13.2%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CSKL ($23) is trading below our estimate of fair value ($26.48)

Significantly Below Fair Value: CSKL is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: CSKL is good value based on its PE Ratio (8.7x) compared to the Banks industry average (12.6x).

PE vs Market: CSKL is good value based on its PE Ratio (8.7x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CSKL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CSKL is good value based on its PB Ratio (0.8x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Catskill Hudson Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CSKL's forecast earnings growth (7.8% per year) is above the savings rate (2.7%).

Earnings vs Market: CSKL's earnings (7.8% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: CSKL's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if CSKL's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if CSKL's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if CSKL's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

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

23.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: CSKL's earnings have grown significantly by 23.9% per year over the past 5 years.

Accelerating Growth: CSKL's earnings growth over the past year (12%) is below its 5-year average (23.9% per year).

Earnings vs Industry: CSKL earnings growth over the past year (12%) underperformed the Banks industry 30.1%.


Return on Equity

High ROE: CSKL's Return on Equity (8.9%) is considered low.


Return on Assets

ROA vs Industry: CSKL's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate CSKL's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Catskill Hudson 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

Inventory Level: CSKL has a low level of unsold assets or inventory.

Debt Coverage by Assets: CSKL's debt is covered by short term assets (assets are 2.836480x debt).


Financial Institutions Analysis

Asset Level: CSKL's level of assets compared to its equity is very high.

Allowance for Bad Loans: CSKL has a sufficient allowance for bad loans.

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

Loan Level: CSKL has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CSKL's loans are broadly funded by customer deposits.

Level of Bad Loans: CSKL has an appropriate level of bad loans (0.11%)


Next Steps

Dividend

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

1.43%

Current Dividend Yield


Dividend Yield vs Market

company1.4%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: CSKL's dividend (1.43%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.44%).

High Dividend: CSKL's dividend (1.43%) is low compared to the top 25% of dividend payers in the US market (3.68%).

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 4 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (12.5%), CSKL's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

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


Next Steps

Management

What is the CEO of Catskill Hudson Bancorp's salary, the management and board of directors tenure and is there insider trading?

4.3yrs

Average management tenure


CEO

Mario Martinez (62yo)

4.8yrs

Tenure

0

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. 


Management Age and Tenure

4.3yrs

Average Tenure

Experienced Management: CSKL's management team is considered experienced (4.3 years average tenure).


Board Age and Tenure

13.8yrs

Average Tenure

69yo

Average Age

Experienced Board: CSKL's board of directors are seasoned and experienced ( 13.8 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Mario Martinez (62yo)

    Chairman & CEO

    • Tenure: 4.8yrs
  • Robert Pettine

    Executive VP & CFO

    • Tenure: 4.8yrs
  • Kevin McLaren

    President & Director

    • Tenure: 3.8yrs
  • Dawn Martinez

    Director & Marketing Administrator

    • Tenure: 3.6yrs
  • Kevin Cannon

    Executive VP & COO

    • Tenure: 3.8yrs
  • Ted Tomita

    Executive VP

    • Tenure: 0yrs
  • Henri Langevin

    Senior VP & Regional Senior Loan Officer of Capital Region

    • Tenure: 0yrs
  • Rick Murphy

    Senior Loan Officer

    • Tenure: 0yrs

Board Members

  • Robert Green (94yo)

    Director

    • Tenure: 0yrs
  • Jonathan Farrow (62yo)

    Director

    • Tenure: 13.8yrs
  • Mario Martinez (62yo)

    Chairman & CEO

    • Tenure: 4.8yrs
  • Gary Schmidt (70yo)

    Director

    • Tenure: 13.8yrs
  • Jan Van Etten (69yo)

    Director

    • Tenure: 13.8yrs
  • Kevin McLaren

    President & Director

    • Tenure: 3.8yrs
  • Dawn Martinez

    Director & Marketing Administrator

    • Tenure: 3.6yrs

Company Information

Catskill Hudson Bancorp, Inc.'s company bio, 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
  • Market Cap: US$16.108m
  • Shares outstanding: 700.34k
  • Website: https://www.chbny.com

Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CSKLOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2010

Biography

Catskill Hudson Bancorp, Inc. operates as a holding company for Catskill Hudson Bank that provides commercial banking services in the United States. The company’s deposit products include checking accounts ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 00:17
End of Day Share Price2019/10/15 00:00
Earnings2018/12/31
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.