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
|Historical stock prices|
|Current Share Price||US$27.00|
|52 Week High||US$33.50|
|52 Week Low||US$26.65|
|1 Month Change||-3.57%|
|3 Month Change||-9.09%|
|1 Year Change||-5.63%|
|3 Year Change||13.45%|
|5 Year Change||39.18%|
|Change since IPO||45.95%|
Recent News & Updates
|CSKL||US Banks||US Market|
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.
|CSKL Average Weekly Movement||n/a|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||7.6%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||3.1%|
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
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
|CSKL fundamental statistics|
Is CSKL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CSKL income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||2.16|
|Net Profit Margin||10.21%|
How did CSKL perform over the long term?See historical performance and comparison
1.7%Current Dividend Yield
Is CSKL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is CSKL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CSKL's PE Ratio compare to its peers?
|CSKL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
ELMA Elmer Bancorp
RBAZ RBAZ Bancorp
GVFF Greenville Federal Financial
FHLB Friendly Hills Bancorp
CSKL Catskill Hudson Bancorp
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.
|Current PE Ratio||12.5x|
|Fair PE Ratio||n/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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How is Catskill Hudson Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- 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.
How has Catskill Hudson Bancorp performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
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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How is Catskill Hudson Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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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What is Catskill Hudson Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
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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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mario Martinez (65 yo)
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.
Experienced Management: CSKL's management team is considered experienced (4.1 years average tenure).
Experienced Board: CSKL's board of directors are seasoned and experienced ( 16.6 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Catskill Hudson Bancorp, Inc.'s employee growth, exchange listings and data sources
- 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
- Catskill Hudson Bancorp, Inc.
- 95 Schwenk Drive
- New York
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/17 00:00|
|End of Day Share Price||2022/07/27 00:00|
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.