OTCPK:EBSH

Stock Analysis Report

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Executive Summary

Empire Bancshares, Inc. operates as the bank holding company for The Hicksville Bank that provides various banking products and services. More Details


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

How has Empire Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: EBSH has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-1.3%

EBSH

-7.1%

US Banks

-2.4%

US Market


1 Year Return

-16.5%

EBSH

-31.9%

US Banks

12.0%

US Market

Return vs Industry: EBSH exceeded the US Banks industry which returned -31.9% over the past year.

Return vs Market: EBSH underperformed the US Market which returned 12% over the past year.


Shareholder returns

EBSHIndustryMarket
7 Day-1.3%-7.1%-2.4%
30 Day-1.3%-8.4%-6.5%
90 Dayn/a-3.4%8.4%
1 Year-15.0%-16.5%-29.5%-31.9%14.5%12.0%
3 Year4.0%-1.0%-23.2%-29.5%34.8%25.8%
5 Year48.3%36.2%13.8%-0.1%82.1%61.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Empire Bancshares undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Empire Bancshares is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Empire Bancshares has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of EBSH's management and see if the CEO's compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don't know where to start, we recommend reading through Empire Bancshares regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Empire Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

27.0%

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 Empire Bancshares 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

  • Take a look at our analysis of EBSH’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Empire Bancshares's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

How has Empire Bancshares performed over the past 5 years?

14.8%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Empire Bancshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Empire Bancshares's management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • 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 Empire Bancshares's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Empire Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Empire Bancshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Empire Bancshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of EBSH’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. 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.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Empire Bancshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Empire Bancshares's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate EBSH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate EBSH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if EBSH's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if EBSH's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of EBSH's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

1.6yrs

Average management tenure


CEO

Greg Smitley

1.5yrs

Tenure

Mr. Gregory A. Smitley, also known as Greg, has been the President, Chief Executive Officer and Director of Empire Bancshares, Inc. and The Hicksville Bank since March 4, 2019. Mr. Smitley served as the Ch ...


Leadership Team

NamePositionTenureCompensationOwnership
Gregory Smitley
President1.5yrsno datano data
Lyn Bowsher
VP of Human Resources & Company Secretary1.67yrsno datano data
Tina Fogle
Assistance Controller1.67yrsno datano data
Mindy Bobay
Treasurer0.67yrno datano data

1.6yrs

Average Tenure

Experienced Management: EBSH's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Gregory Smitley
President1.5yrsno datano data
David Casebere
Chairman of the Board3.67yrsno datano data
James Schmidt
Vice Chairman of the Boardno datano datano data
Joel Nester
Director15.67yrsno datano data
Mitchell Slattery
Director6.67yrsno datano data
Stanley Yoder
Director13.75yrsno datano data
Deborah Bagenstose
Director4yrsno datano data
Dennis Vetter
Director2.25yrsno datano data

4.0yrs

Average Tenure

64.5yo

Average Age

Experienced Board: EBSH's board of directors are considered experienced (4 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: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Empire Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information


Location

  • Empire Bancshares, Inc.
  • 144 East High Street
  • PO Box 283
  • Hicksville
  • Ohio
  • 43526
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EBSHOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2003

Biography

Empire Bancshares, Inc. operates as the bank holding company for The Hicksville Bank that provides various banking products and services. It offers checking and savings, money market, NOW, and Christmas cl ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/09/26 05:54
End of Day Share Price2020/09/24 00:00
EarningsN/A
Annual EarningsN/A


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.