OTCPK:FGFH

Stock Analysis Report

Foresight Financial Group

Executive Summary

Foresight Financial Group, Inc. provides various banking services to individuals and businesses in the United States.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Foresight Financial Group is not covered by any analysts.

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


Market Performance


7 Day Return

0.03%

OTCPK:FGFH

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-3.3%

OTCPK:FGFH

-14.2%

US Banks

-0.4%

US Market

FGFH outperformed the Banks industry which returned -16.1% over the past year.

FGFH underperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

FGFHIndustryMarket
7 Day0.03%-2.6%-1.0%
30 Day0.3%-5.5%-3.3%
90 Day-3.3%-3.5%0.4%
1 Year-2.5%-3.3%-11.8%-14.2%1.8%-0.4%
3 Year43.1%39.4%42.2%32.4%39.4%30.4%
5 Year88.0%79.9%53.3%36.7%54.2%37.1%

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

Valuation

Is Foresight Financial Group undervalued based on future cash flows and its price relative to the stock market?

13%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Foresight Financial Group is good value based on earnings compared to the US Banks industry average.

Foresight Financial Group 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 Foresight Financial Group, we can't assess if its growth is good value.


Price Based on Value of Assets

Foresight Financial Group is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Foresight Financial Group expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Foresight Financial Group is high growth as no revenue estimate data is available.

Foresight Financial Group's earnings are expected to grow by 8.1% yearly, however this is not considered high growth (20% yearly).

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

Foresight Financial Group's earnings growth is positive but not above the United States of America market average.

Foresight Financial Group'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 Foresight Financial Group will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Foresight Financial Group performed over the past 5 years?

3.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Foresight Financial Group's year on year earnings growth rate has been positive over the past 5 years.

Foresight Financial Group's 1-year earnings growth exceeds its 5-year average (24.5% vs 3.9%)

Foresight Financial Group's earnings growth has not exceeded the US Banks industry average in the past year (24.5% vs 33.2%).


Return on Equity

Foresight Financial Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Foresight Financial Group 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 Foresight Financial Group 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 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


Balance Sheet


Financial Institutions Analysis

Foresight Financial Group has an acceptable proportion of non-loan assets held.

Foresight Financial Group has a sufficient allowance for bad loans.

Foresight Financial Group's liabilities are made up of primarily low risk sources of funding.

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

Loans at Foresight Financial Group are broadly funded by customer deposits.

Foresight Financial Group has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Foresight Financial Group's current dividend yield, its reliability and sustainability?

0.92%

Current Dividend Yield


Dividend Yield and Payments Analysis

Foresight Financial Group's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Foresight Financial Group's dividend is below the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

No dividend growth in 10 years.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (10.3x 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 Foresight Financial Group's salary, the management and board of directors tenure and is there insider trading?

5.0yrs

Average board tenure


CEO

Rex Entsminger

1.3yrs

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. ...


Board Age and Tenure

5.0yrs

Average Tenure

The tenure for the Foresight Financial Group board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Aaron Patterson

    Chief Information Officer

  • K. Osadjan

    Senior VP

  • Dean Cooke

    Executive VP & CFO

    • Tenure: 10.6yrs
  • John Stichnoth

    Chief Credit Officer

  • Rex Entsminger

    President

    • Tenure: 1.3yrs
  • Nora Koehler

    Director of Human Resources


Board Members

  • Doug Wagner

    Director

    • Tenure: 14.6yrs
  • John Morrissey

    Executive Officer & Director

    • Tenure: 0.1yrs
  • Judd Thruman

    Director

    • Tenure: 5.0yrs
  • Doug Fitzgerald

    Director

    • Tenure: 0.8yrs
  • Rex Entsminger

    President

    • Tenure: 1.6yrs
  • John Collman

    Director

    • Tenure: 6.6yrs
  • Robert Stenstrom

    Chairman of the Board

    • Tenure: 1.9yrs
  • Fred Kundert

    Director

    • Tenure: 6.6yrs
  • Carolyn Sluiter

    Director

    • Tenure: 13.6yrs

Company Information

Foresight Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Foresight Financial Group, Inc.
  • Ticker: FGFH
  • Exchange: OTCPK
  • Founded: 1986
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$128.049m
  • Shares outstanding: 3.70m
  • Website: Click here

Location

  • Foresight Financial Group, Inc.
  • 809 Cannell-Puri Court
  • Suite 5
  • Winnebago
  • Illinois
  • 61088
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FGFHOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 1999

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/16 23:38
End of Day Share Price2019/08/16 00:00
Earnings2019/03/31
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.