OTCPK:FPBF

Stock Analysis Report

Executive Summary

FPB Financial Corp. operates as the thrift holding company for Florida Parishes Bank, a federally chartered savings bank that provides banking products and services in Louisiana.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • FPB Financial is not covered by any analysts.

Share Price & News

How has FPB Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.2%

OTCPK:FPBF

-0.3%

US Mortgage

-1.0%

US Market


1 Year Return

53.3%

OTCPK:FPBF

-0.7%

US Mortgage

-0.4%

US Market

FPBF outperformed the Mortgage industry which returned -4.8% over the past year.

FPBF outperformed the Market in United States of America which returned 2% over the past year.


Share holder returns

FPBFIndustryMarket
7 Day2.2%-0.3%-1.0%
30 Day3.2%-2.0%-3.3%
90 Day-1.4%-0.7%0.4%
1 Year56.1%53.3%1.4%-0.7%1.8%-0.4%
3 Year133.5%123.8%33.4%24.5%39.4%30.4%
5 Year171.0%150.9%57.5%41.1%54.2%37.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

15.59x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

FPB Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

FPB Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

FPB Financial is overvalued based on earnings compared to the US Mortgage industry average.

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


Price Based on Value of Assets

FPB Financial is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

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

0.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

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

FPB Financial's earnings are expected to grow by 0.8% yearly, however this is not considered high growth (20% yearly).

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

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

FPB Financial's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if FPB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has FPB Financial performed over the past 5 years?

9.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

FPB Financial's 1-year earnings growth exceeds its 5-year average (267% vs 9.9%)

FPB Financial's earnings growth has exceeded the US Mortgage industry average in the past year (267% vs 36.6%).


Return on Equity

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


Return on Assets

FPB Financial used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if FPB Financial 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 FPB Financial'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

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

FPB Financial has a sufficient allowance for bad loans.

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

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

Loans at FPB Financial are broadly funded by customer deposits.

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


Next Steps

Dividend

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

1.30%

Current Dividend Yield


Dividend Yield and Payments Analysis

FPB Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.4%).

FPB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.6%).

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

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.9x 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 FPB Financial's salary, the management and board of directors tenure and is there insider trading?

8.6yrs

Average management tenure


CEO

Fritz Anderson (56yo)

21.9yrs

Tenure

US$169,876

Compensation

Mr. Fritz W. Anderson, II has been Chairman of FPB Financial Corp. Mr. Anderson serves as Chief Executive Officer of Fpb Financial Corp. since March 1999 and served as its President. Mr. Anderson served as ...


CEO Compensation Analysis

Fritz's remuneration is lower than average for companies of similar size in United States of America.

Fritz's compensation has been consistent with company performance over the past year.


Management Age and Tenure

8.6yrs

Average Tenure

58yo

Average Age

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


Board Age and Tenure

13.0yrs

Average Tenure

61.5yo

Average Age

The average tenure for the FPB Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Charlotte Hanna

    Senior VP & Loan Officer of Florida Parishes Bank

  • Fritz Anderson (56yo)

    Chairman & CEO

    • Tenure: 21.9yrs
    • Compensation: $169.88k
  • Denise Jackson

    Executive VP & Chief Lending Officer of Florida Parishes Bank

  • Mark Mobley

    Senior VP & Chief Credit Officer of Florida Parishes Bank

  • Derek Shants (48yo)

    COO & CFO

    • Tenure: 3.9yrs
    • Compensation: $156.67k
  • Ronnie Morales

    Senior VP and Collections

  • G. Allen (67yo)

    Secretary & Director

    • Tenure: 13.3yrs
    • Compensation: $13.40k
  • Terry Tompkins

    Senior VP & Loan Officer of Florida Parishes Bank

  • Brian Steib

    Senior VP & Loan Officer of Florida Parishes Bank

  • Ronnie Fugarino (60yo)

    President & Director

    • Tenure: 1.9yrs
    • Compensation: $363.96k

Board Members

  • Fritz Anderson (56yo)

    Chairman & CEO

    • Tenure: 13.9yrs
    • Compensation: $169.88k
  • George Anthon (53yo)

    Director

    • Tenure: 12.2yrs
    • Compensation: $13.50k
  • Laura Inge (64yo)

    Director

    • Tenure: 8.2yrs
    • Compensation: $11.70k
  • G. Allen (67yo)

    Secretary & Director

    • Tenure: 22.2yrs
    • Compensation: $13.40k
  • Kathy Kent (62yo)

    Director

    • Tenure: 8.2yrs
    • Compensation: $13.23k
  • Warren Hughes (63yo)

    Director

    • Tenure: 17.2yrs
    • Compensation: $16.06k
  • Gary Smith (61yo)

    Director

    • Tenure: 3.2yrs
    • Compensation: $9.78k
  • Ronnie Fugarino (60yo)

    President & Director

    • Tenure: 14.2yrs
    • Compensation: $363.96k
  • Vince Roubique (58yo)

    Director

    • Tenure: 17.2yrs
    • Compensation: $17.02k
  • Dwain Tycer (65yo)

    Director

    • Tenure: 12.2yrs
    • Compensation: $12.33k

Company Information

FPB Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: FPB Financial Corp.
  • Ticker: FPBF
  • Exchange: OTCPK
  • Founded: 1922
  • Industry: thrifts and mortgage finance
  • Sector: banks
  • Market Cap: US$73.214m
  • Shares outstanding: 2.65m
  • Website: Click here

Location

  • FPB Financial Corp.
  • 1300 West Morris Avenue
  • Hammond
  • Louisiana
  • 70403
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FPBFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 1999

Biography

FPB Financial Corp. operates as the thrift holding company for Florida Parishes Bank, a federally chartered savings bank that provides banking products and services in Louisiana. The company’s deposit prod ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/03/06 00:15
End of Day Share Price2019/03/01 00:00
Earnings2018/12/31
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.