Foresight Financial Group, Inc. provides various banking services to individuals and businesses in the United States.
Flawless balance sheet and undervalued.
Share Price & News
How has Foresight Financial Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FGFH has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: FGFH underperformed the US Banks industry which returned -15.2% over the past year.
Return vs Market: FGFH underperformed the US Market which returned 18.7% over the past year.
Price Volatility Vs. Market
How volatile is Foresight Financial Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Foresight Financial Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FGFH ($25.7) is trading below our estimate of fair value ($41.84)
Significantly Below Fair Value: FGFH is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FGFH is good value based on its PE Ratio (8.8x) compared to the US Banks industry average (10x).
PE vs Market: FGFH is good value based on its PE Ratio (8.8x) compared to the US market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FGFH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FGFH is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).
How is Foresight Financial Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 Foresight Financial Group 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.
- Examine whether Foresight Financial Group 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 theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Foresight Financial Group's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Foresight Financial Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FGFH has high quality earnings.
Growing Profit Margin: FGFH's current net profit margins (24.2%) are lower than last year (26%).
Past Earnings Growth Analysis
Earnings Trend: FGFH's earnings have grown by 3.6% per year over the past 5 years.
Accelerating Growth: FGFH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FGFH had negative earnings growth (-7.8%) over the past year, making it difficult to compare to the Banks industry average (-2.9%).
Return on Equity
High ROE: FGFH's Return on Equity (7.7%) is considered low.
How is Foresight Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FGFH's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: FGFH has a sufficient allowance for bad loans (276%).
Low Risk Liabilities: 98% of FGFH's liabilities are made up of primarily low risk sources of funding.
Loan Level: FGFH has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: FGFH's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: FGFH has an appropriate level of bad loans (0.6%).
What is Foresight Financial Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FGFH's dividend (1.4%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.59%).
High Dividend: FGFH's dividend (1.4%) is low compared to the top 25% of dividend payers in the US market (4.31%).
Stability and Growth of Payments
Stable Dividend: FGFH's dividend payments have been volatile in the past 10 years.
Growing Dividend: FGFH's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (11.6%), FGFH'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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Mr. Rex K. Entsminger has been the Chief Executive Officer and President of Foresight Financial Group, Inc. since April 16, 2018. Mr. Entsminger was President and Chief Executive Officer of Alpine Bancorp. ...
|President||2.33yrs||no data||0.62% |
|Director||1.08yrs||no data||no data|
|Director||15.58yrs||no data||0.16% |
|Chairman of the Board||2.92yrs||no data||0.55% |
|Director||14.58yrs||no data||0.049% |
|Director||7.58yrs||no data||0.22% |
|Director||7.58yrs||no data||0.27% |
|Director||6yrs||no data||0.027% |
|Director||1.83yrs||no data||0.027% |
Experienced Board: FGFH's board of directors are considered experienced (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.
Foresight Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Foresight Financial Group, Inc.
- Ticker: FGFH
- Exchange: OTCPK
- Founded: 1986
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$95.475m
- Shares outstanding: 3.71m
- Website: https://www.foresightfg.com
- Foresight Financial Group, Inc.
- 809 Cannell-Puri Court
- Suite 5
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FGFH||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 1999|
Foresight Financial Group, Inc. provides various banking services to individuals and businesses in the United States. Its deposit products include demand deposits and certificates of deposit; and loan port ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/14 11:28|
|End of Day Share Price||2020/08/13 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.