OTCPK:DENI

Stock Analysis Report

Denali Bancorporation

Executive Summary

Denali Bancorporation, Inc. operates as a holding company for Denali State Bank that provides various banking products and services.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Denali Bancorporation is not covered by any analysts.

Share Price & News

How has Denali Bancorporation's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-3.7%

OTCPK:DENI

3.3%

US Banks

2.1%

US Market


1 Year Return

-14.1%

OTCPK:DENI

-13.8%

US Banks

-0.04%

US Market

DENI matched the Banks industry (-14.8%) over the past year.

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


Share holder returns

DENIIndustryMarket
7 Day-3.7%3.3%2.1%
30 Day1.0%-7.0%-3.2%
90 Day1.0%-2.3%2.8%
1 Year-9.4%-14.1%-11.3%-13.8%2.2%-0.04%
3 Year43.5%20.4%42.5%32.7%41.5%32.3%
5 Yearn/a54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

0.607%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Denali Bancorporation's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Denali Bancorporation's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Denali Bancorporation is good value based on earnings compared to the US Banks industry average.

Denali Bancorporation 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 Denali Bancorporation, we can't assess if its growth is good value.


Price Based on Value of Assets

Denali Bancorporation is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

3.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Denali Bancorporation is high growth as no revenue estimate data is available.

Denali Bancorporation's earnings are expected to grow by 3.6% yearly, however this is not considered high growth (20% yearly).

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

Denali Bancorporation's earnings growth is positive but not above the United States of America market average.

Denali Bancorporation'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 Denali Bancorporation will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Denali Bancorporation performed over the past 5 years?

6.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

Denali Bancorporation's 1-year earnings growth exceeds its 5-year average (26.2% vs 6.3%)

Denali Bancorporation's earnings growth has not exceeded the US Banks industry average in the past year (26.2% vs 33.2%).


Return on Equity

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


Return on Assets

Denali Bancorporation 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 Denali Bancorporation 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 Denali Bancorporation'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

Denali Bancorporation has an acceptable proportion of non-loan assets held.

Denali Bancorporation has a sufficient allowance for bad loans.

Denali Bancorporation's liabilities are made up of primarily low risk sources of funding.

Denali Bancorporation's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Denali Bancorporation are broadly funded by customer deposits.

Denali Bancorporation has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Denali Bancorporation's current dividend yield, its reliability and sustainability?

5.71%

Current Dividend Yield


Dividend Yield and Payments Analysis

Denali Bancorporation's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Denali Bancorporation's dividend is above the markets top 25% of dividend payers in United States of America (3.84%).

Whilst dividend payments have been stable, Denali Bancorporation has been paying a dividend for less than 10 years.

Dividend payments have increased, but Denali Bancorporation only paid a dividend in the past 5 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.5x 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 Denali Bancorporation's salary, the management and board of directors tenure and is there insider trading?

1.6yrs

Average board tenure


CEO

Steve Lundgren 0

0.0yrs

Tenure

0

Mr. Steve Lundgren serves as the Chief Executive Officer and President AT Denali State Bank, a subsidiary of Denali Bancorporation, Inc. 


Board Age and Tenure

1.6yrs

Average Tenure

The average tenure for the Denali Bancorporation board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Steve Lundgren

    President & CEO

    • Tenure: 0.0yrs
  • Randy Weaver

    EVP & CFO

    • Tenure: 0.0yrs
  • Aaron Pletnikoff

    Executive VP & Chief Lending Officer of Denali State Bank

    • Tenure: 0.0yrs
  • Andra Lozano

    Senior VP & COO of Denali State Bank

    • Tenure: 0.0yrs
  • Aaron Hines

    Senior VP & Commercial Loan Manager of Denali State Bank

    • Tenure: 0.0yrs
  • Jerome Krier

    Director Emeritus of Denali State Bank

    • Tenure: 0.0yrs
  • Harold Esmailka

    Director Emeritus of Denali State Bank

    • Tenure: 0.0yrs
  • Lynda Vice

    Controller

    • Tenure: 0.0yrs

Board Members

  • Ron Bergh (76yo)

    Director

    • Tenure: 0.0yrs
  • Dan Gavora

    Director of Denali State Bank

    • Tenure: 0.0yrs
  • Jo Heckman

    Director

    • Tenure: 0.0yrs
  • Raymond Karns

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • Margaret Rich

    Director

    • Tenure: 0.0yrs
  • Rick Schikora

    Director

    • Tenure: 9.6yrs
  • David Thurman

    Director of Denali State Bank

    • Tenure: 0.0yrs
  • Dan Thompson

    Director of Denali State Bank

    • Tenure: 0.0yrs
  • Cassy Bartch

    Director

    • Tenure: 1.6yrs
  • Gregory Johnson

    Director

    • Tenure: 1.6yrs

Company Information

Denali Bancorporation, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Denali Bancorporation, Inc.
  • Ticker: DENI
  • Exchange: OTCPK
  • Founded: 1986
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$29.920m
  • Shares outstanding: 2.85m
  • Website: https://www.denalistatebank.com

Location

  • Denali Bancorporation, Inc.
  • 119 North Cushman Street
  • Fairbanks
  • Alaska
  • 99701
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
DENIOTCPK (Pink Sheets LLC)YesShare CapitalUSUSDMar 2014

Biography

Denali Bancorporation, Inc. operates as a holding company for Denali State Bank that provides various banking products and services. The company offers personal and business checking accounts, personal sav ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:27
End of Day Share Price2019/08/19 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.