OTCPK:FSFF

Stock Analysis Report

First Suffield Financial

Executive Summary

First Suffield Financial, Inc. operates as the holding company for The First National Bank of Suffield that provides financial services to individuals, municipalities, nonprofit groups, commercial enterprises, and others in Connecticut, the United States.

Snowflake

Fundamentals

Flawless balance sheet with concerning outlook.

Risks

  • First Suffield Financial's last earnings update was 297 days ago.
  • First Suffield Financial is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

OTCPK:FSFF

2.4%

US Banks

2.9%

US Market


1 Year Return

n/a

OTCPK:FSFF

-14.8%

US Banks

0.2%

US Market

No trading data on FSFF.

No trading data on FSFF.


Share holder returns

FSFFIndustryMarket
7 Day0.3%2.4%2.9%
30 Day1.5%-6.3%-2.3%
90 Day1.5%-2.1%3.1%
1 Yearn/a-12.4%-14.8%2.4%0.2%
3 Yearn/a41.7%32.0%41.7%32.4%
5 Yearn/a52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for First Suffield Financial, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for First Suffield Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

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

12.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

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

First Suffield Financial's earnings are expected to grow by 12.2% yearly, however this is not considered high growth (20% yearly).

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

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

First Suffield Financial's earnings growth is expected to exceed the low risk savings rate of 3%.


Earnings per Share Growth Estimates


Future Return on Equity

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


Next Steps

Past Performance

How has First Suffield Financial performed over the past 5 years?

0.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

First Suffield Financial's 1-year earnings growth is negative, it can't be compared to the 5-year average.

First Suffield Financial's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

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


Return on Assets

First Suffield Financial 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 First Suffield 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 First Suffield 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

Information is not available.

Information is not available.


Financial Institutions Analysis

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

First Suffield Financial has a sufficient allowance for bad loans.

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

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

Loans at First Suffield Financial are broadly funded by customer deposits.

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


Next Steps

Dividend

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

1.67%

Current Dividend Yield


Dividend Yield and Payments Analysis

First Suffield Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.38%).

First Suffield Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.54%).

Whilst dividend payments have been stable, First Suffield Financial has been paying a dividend for less than 10 years.

Dividend payments have increased, but First Suffield Financial only paid a dividend in the past 5 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as First Suffield Financial 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 First Suffield Financial's salary, the management and board of directors tenure and is there insider trading?

6.2yrs

Average board tenure


CEO

Joe Greco (67yo)

1.5yrs

Tenure

0

Mr. Joseph J. Greco, also known as Joe, has been Chief Executive Officer and President of The First National Bank Of Suffield since June 2, 2017. Mr. Greco has been President & Chief Executive Officer at F ...


Board Age and Tenure

6.2yrs

Average Tenure

The tenure for the First Suffield Financial board of directors is about average.


Insider Trading

No 3 month insider trading information.


Management Team

  • Joe Greco (67yo)

    President

    • Tenure: 1.5yrs
  • Ron Moccio

    Senior VP & CFO

    • Tenure: 4.2yrs
  • Carrie LeBlanc

    Senior Vice President of Operations & Information Technology

    • Tenure: 0.0yrs

Board Members

  • Joe Greco (67yo)

    President

    • Tenure: 1.5yrs
  • Nancy Viggiano (65yo)

    Director

    • Tenure: 6.8yrs
  • Douglas Viets

    Chairman of the Board

    • Tenure: 10.7yrs
  • Timothy Reynolds

    Director

    • Tenure: 6.2yrs
  • Celia Moffie

    Director

    • Tenure: 0.0yrs
  • Paul Smith

    Director

    • Tenure: 0.0yrs
  • James Wood

    Director

    • Tenure: 0.0yrs
  • Richard Carmon

    Director

    • Tenure: 0.0yrs
  • Janet Frechette

    Director

    • Tenure: 1.9yrs
  • Brendan Begley

    Director

    • Tenure: 1.9yrs

Company Information

First Suffield Financial, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: First Suffield Financial, Inc.
  • Ticker: FSFF
  • Exchange: OTCPK
  • Founded: 1864
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$59.875m
  • Shares outstanding: 5.00k
  • Website: https://www.fnbanksuffield.com

Location

  • First Suffield Financial, Inc.
  • 30 Bridge Street
  • Suffield
  • Connecticut
  • 6078
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FSFFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2006

Biography

First Suffield Financial, Inc. operates as the holding company for The First National Bank of Suffield that provides financial services to individuals, municipalities, nonprofit groups, commercial enterpri ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/03 21:24
End of Day Share Price2018/11/30 00:00
Earnings2017/12/31
Annual Earnings2017/12/31


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.