How does ERKH's PB Ratio compare to its peers?

ERKH is expensive based on its Price-To-Book Ratio (0.9x) compared to the peer average (0.8x).

How does ERKH's PB Ratio compare vs other companies in the US Banks Industry?

ERKH is good value based on its Price-To-Book Ratio (0.9x) compared to the US Banks industry average (1x).

What is ERKH's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate ERKH's Price-To-Book Fair Ratio for valuation analysis.

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

Insufficient data to calculate ERKH's fair value for valuation analysis.

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

ERKH Stock Overview

Operates as the bank holding company for Eureka Homestead that provides various banking products and services. More details

ERKH fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

Risk Analysis

Earnings have declined by 17.1% per year over past 5 years

Does not have meaningful revenue ($2M)

Does not have a meaningful market cap ($17M)

My Notes

Capture your thoughts, links and company narrative

Eureka Homestead Bancorp, Inc. Competitors

Glen Burnie Bancorp

NasdaqCM:GLBZ

US$17.3m

First Bancorp of Indiana

OTCPK:FBPI

US$17.6m

Crazy Woman Creek Bancorp

OTCPK:CRZY

US$17.5m

Fleetwood Bank

OTCPK:FLEW

US$19.2m

Price History & Performance

Summary of share price highs, lows and changes for Eureka Homestead Bancorp
Historical stock prices
Current Share Price	US$18.03
52 Week High	US$19.00
52 Week Low	US$13.26
Beta	0.25
1 Month Change	12.69%
3 Month Change	31.13%
1 Year Change	6.37%
3 Year Change	29.25%
5 Year Change	48.40%
Change since IPO	49.01%

Recent updates

Shareholder Returns

	ERKH	US Banks	US Market
7D	1.6%	0.8%	0.6%
1Y	6.4%	29.4%	23.8%

Return vs Industry: ERKH underperformed the US Banks industry which returned 29.6% over the past year.

Return vs Market: ERKH underperformed the US Market which returned 24.6% over the past year.

Price Volatility

Is ERKH's price volatile compared to industry and market?
ERKH volatility
ERKH Average Weekly Movement	8.1%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: ERKH has not had significant price volatility in the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1884	n/a	Alan Heintzen	www.eurekahomestead.com

Eureka Homestead Bancorp, Inc. operates as the bank holding company for Eureka Homestead that provides various banking products and services. It accepts various deposit products, including savings accounts, money market accounts, and certificates of deposit. The company also offers 1-4 family residential real estate loans, construction and land, multifamily, commercial real estate, and consumer loans.

Eureka Homestead Bancorp, Inc. Fundamentals Summary

How do Eureka Homestead Bancorp's earnings and revenue compare to its market cap?
ERKH fundamental statistics
Market cap	US$16.87m
Earnings (TTM)	-US$95.00k
Revenue (TTM)	US$2.36m

0.9x

P/B Ratio

7.1x

P/S Ratio

Is ERKH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ERKH income statement (TTM)
Revenue	US$2.36m
Cost of Revenue	US$0
Gross Profit	US$2.36m
Other Expenses	US$2.46m
Earnings	-US$95.00k

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-0.10
Gross Margin	100.00%
Net Profit Margin	-4.02%
Debt/Equity Ratio	62.3%

How did ERKH perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 10:41
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Eureka Homestead Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Eureka Homestead Bancorp OTCPK:ERKH Stock Report