OTCPK:FHLB

Stock Analysis Report

Executive Summary

Friendly Hills Bank, a community bank, provides financial services and banking products.

Snowflake

Fundamentals

Adequate balance sheet and slightly overvalued.

Risks

  • Friendly Hills Bank is not covered by any analysts.

Share Price & News

How has Friendly Hills Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.6%

OTCPK:FHLB

3.3%

US Banks

2.1%

US Market


1 Year Return

-9.9%

OTCPK:FHLB

-13.8%

US Banks

-0.04%

US Market

FHLB outperformed the Banks industry which returned -14.8% over the past year.

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


Share holder returns

FHLBIndustryMarket
7 Day-0.6%3.3%2.1%
30 Day-1.0%-7.0%-3.2%
90 Day0.7%-2.3%2.8%
1 Year-9.9%-9.9%-11.3%-13.8%2.2%-0.04%
3 Year46.5%46.5%42.5%32.7%41.5%32.3%
5 Year13.3%13.3%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Friendly Hills Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Friendly Hills Bank undervalued based on future cash flows and its price relative to the stock market?

15.88x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Friendly Hills Bank to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Friendly Hills Bank to establish if it is available at substantial discount.


Price Based on Earnings

Friendly Hills Bank is overvalued based on earnings compared to the US Banks industry average.

Friendly Hills Bank 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 Friendly Hills Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

Friendly Hills Bank is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Friendly Hills Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

16.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Friendly Hills Bank is high growth as no revenue estimate data is available.

Friendly Hills Bank's earnings are expected to grow by 16.3% yearly, however this is not considered high growth (20% yearly).

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

Friendly Hills Bank's earnings growth is expected to exceed the United States of America market average.

Friendly Hills Bank'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 Friendly Hills Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Friendly Hills Bank performed over the past 5 years?

-14.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Friendly Hills Bank's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Friendly Hills Bank's 1-year earnings growth exceeds its 5-year average (75.5% vs -14.7%)

Friendly Hills Bank's earnings growth has exceeded the US Banks industry average in the past year (75.5% vs 33.2%).


Return on Equity

Friendly Hills Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Friendly Hills Bank 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 Friendly Hills Bank 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 Friendly Hills Bank'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

Friendly Hills Bank has an acceptable proportion of non-loan assets held.

Unable to establish if Friendly Hills Bank has a sufficient allowance for bad loans without relevant financial data.

Friendly Hills Bank's liabilities are made up of primarily low risk sources of funding.

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

Loans at Friendly Hills Bank are broadly funded by customer deposits.

Unable to establish if Friendly Hills Bank has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Friendly Hills Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Friendly Hills Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Friendly Hills Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Friendly Hills Bank has not reported any payouts.

Unable to verify if Friendly Hills Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Friendly Hills Bank has not reported any payouts.


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 Friendly Hills Bank's salary, the management and board of directors tenure and is there insider trading?

6.6yrs

Average management tenure


CEO

Jeff Ball (54yo)

12.9yrs

Tenure

0

Mr. Jeffrey K. Ball has serves as President and Chief Executive Officer of Friendly Hills Bank. Mr. Ball has been a Director of Federal Home Loan Bank of San Francisco since January 1, 2018. Mr. Ball serve ...


Management Age and Tenure

6.6yrs

Average Tenure

The average tenure for the Friendly Hills Bank management team is over 5 years, this suggests they are a seasoned and experienced team.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Jeff Ball (54yo)

    President & CEO

    • Tenure: 12.9yrs
  • Liz Buckingham

    Executive VP & COO

    • Tenure: 11.7yrs
  • Douglas Koerber

    Executive VP & Chief Credit Officer

    • Tenure: 1.5yrs
  • Viktor Uehlinger

    Executive VP & CFO

    • Tenure: 1.5yrs

Board Members

  • Chris Greenbeck (72yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Jeff Ball (54yo)

    President & CEO

    • Tenure: 12.9yrs
  • Richard Casford

    Director

    • Tenure: 0.0yrs
  • Robert Haendiges

    Director

    • Tenure: 0.0yrs
  • Janice Legoza

    Director

    • Tenure: 0.0yrs
  • Kent Roberts

    Director

    • Tenure: 0.0yrs
  • Bill Wood

    Director

    • Tenure: 0.0yrs
  • Mike Foley

    Director

    • Tenure: 0.7yrs

Company Information

Friendly Hills Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Friendly Hills Bank
  • Ticker: FHLB
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$17.472m
  • Shares outstanding: 1.94m
  • Website: https://www.friendlyhillsbank.com

Location

  • Friendly Hills Bank
  • 16011 East Whittier Boulevard
  • Whittier
  • California
  • 90603
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FHLBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2007

Biography

Friendly Hills Bank, a community bank, provides financial services and banking products. The company offers deposit products, such as business checking and savings accounts; checking plans, including perso ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:22
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
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.