OTCPK:GHDS

Stock Analysis Report

Greater Hudson Bank (NY)

Executive Summary

Greater Hudson Bank, a state-chartered commercial bank, provides a range of banking services to individual and corporate customers in Orange, Rockland, and Westchester Counties, New York.

Snowflake

Fundamentals

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Greater Hudson Bank (NY)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

GHDS

1.4%

US Banks

1.0%

US Market


1 Year Return

-19.8%

GHDS

0.2%

US Banks

6.7%

US Market


Share holder returns

GHDSIndustryMarket
7 Day0%1.4%1.0%
30 Day-12.4%-2.6%-1.8%
90 Day-26.2%0.8%-1.8%
1 Year-19.8%-19.8%3.1%0.2%9.1%6.7%
3 Year7.5%6.3%52.0%41.5%46.1%36.6%
5 Year26.0%23.2%69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is Greater Hudson Bank (NY)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Greater Hudson Bank (NY) undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Information is not available.

Information is not available.


Price Based on Earnings

Information is not available.

Information is not available.


Price Based on Expected Growth

Information is not available.


Price Based on Value of Assets

Information is not available.


Next Steps

Future Growth

How is Greater Hudson Bank (NY) expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.3%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Information is not available.

Information is not available.

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Information is not available.

Information is not available.


Earnings per Share Growth Estimates


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Greater Hudson Bank (NY) performed over the past 5 years?

-14.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Information is not available.

Information is not available.

Information is not available.


Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

Information is not available.


Next Steps

Financial Health

How is Greater Hudson Bank (NY)'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.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: Insufficient data to determine if GHDS's level of assets compared to its equity is low

Allowance for Bad Loans: Insufficient data to determine if GHDS has a sufficient allowance for bad loans.

Low Risk Liabilities: GHDS reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if GHDS has an acceptable proportion of non-loan assets held.

Low Risk Deposits: GHDS has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if GHDS has an appropriate level of bad loans.


Next Steps

Dividend

What is Greater Hudson Bank (NY)'s current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

company0%marketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Information is not available.

Information is not available.

Stable Dividend: Insufficient data to determine if GHDS's dividends per share have been stable in the past.

Information is not available.


Current Payout to Shareholders

Information is not available.


Future Payout to Shareholders

Information is not available.


Next Steps

Management

What is the CEO of Greater Hudson Bank (NY)'s salary, the management and board of directors tenure and is there insider trading?

3.6yrs

Average management tenure


CEO

Ed Lutz (71yo)

5.2yrs

Tenure

0

Mr. Edward T. Lutz has been the President and Chief Executive Officer of Lutz, Inc., and Lutz Advisors Inc., since 2001. Mr. Lutz has been the Chief Executive Officer and President at Greater Hudson Bank,  ...


Management Age and Tenure

3.6yrs

Average Tenure

Information is not available.


Board Age and Tenure

10.9yrs

Average Tenure

61yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Ownership Breakdown


Management Team

  • Ed Lutz (71yo)

    Vice Chairman

    • Tenure: 5.2yrs
  • Lynne Allan (51yo)

    Executive VP

    • Tenure: 6.5yrs
    • Compensation: US$135.00k
  • Tom Cornelius

    Senior VP & CFO

    • Tenure: 8.8yrs
  • Jenet Ferris

    Marketing Director

    • Tenure: 0yrs
  • Damiane Doyle

    Senior MD for the Orange County Market & Senior VP

    • Tenure: 0yrs
  • DeWayne Haygood

    VP & Commercial Relationship Manager

    • Tenure: 1.2yrs
  • Bob Tolomer

    Chief Credit Officer & Senior VP

    • Tenure: 3.3yrs
  • Anu Nagpal

    VP & Commercial Relationship Manager

    • Tenure: 2.4yrs
  • Larry Strichartz

    VP & Commercial Relationship Manager

    • Tenure: 2.4yrs
  • Sharon Rosenberg

    Investor Relation Contact

    • Tenure: 3.9yrs

Board Members

  • Ken Torsoe (83yo)

    Chairman of the Board

    • Tenure: 10.9yrs
  • Ed Lutz (71yo)

    Vice Chairman

    • Tenure: 5.2yrs
  • Steven Bakst (61yo)

    Director

    • Tenure: 16.9yrs
  • Ray Pantel (69yo)

    Director

    • Tenure: 13.9yrs
  • Lynne Allan (51yo)

    Executive VP

    • Tenure: 6.5yrs
    • Compensation: US$135.00k
  • Daniel Rifkin (47yo)

    Vice Chairman of the Board

    • Tenure: 10.9yrs
  • Stephen Coyle (48yo)

    Director

    • Tenure: 4.8yrs
  • Richard Savino

    Member of Ambassador Council

    • Tenure: 0yrs
  • John Gisondi

    Member of Ambassador Council

    • Tenure: 0yrs
  • Rosemarie Pellati

    Member of Ambassador Council

    • Tenure: 0yrs

Company Information

Greater Hudson Bank (NY)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Greater Hudson Bank (NY)
  • Ticker: GHDS
  • Exchange: OTCPK
  • Founded: 2002
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$52.617m
  • Shares outstanding: 12.38m
  • Website: https://www.greaterhudsonbank.com

Number of Employees


Location

  • Greater Hudson Bank (NY)
  • 715 Route 304
  • Bardonia
  • New York
  • 10954
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GHDSOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJul 2003

Biography

Greater Hudson Bank, a state-chartered commercial bank, provides a range of banking services to individual and corporate customers in Orange, Rockland, and Westchester Counties, New York. Its deposit produ ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/30 00:18
End of Day Share Price2018/12/21 00:00
Earnings2018/09/30
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.

© 2018 SIMPLY WALL STREET PTY LTD, COMMUNITY DESIGN 2845206, US DESIGN PATENT #29/544/281, EUROPEAN DESIGN REGISTRATION #2845206, STANDARD & POOR’S FINANCIAL SERVICES LLC. ALL RIGHTS RESERVED.

Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Copyright © 2018, Standard & Poor’s Financial Services LLC. Reproduction of S&P Capital IQ in any form is prohibited except with the prior written permission of S&P. S&P does not guarantee the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions, regardless of the cause or for the results obtained from the use of such information. S&P DISCLAIMS ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall S&P be liable for any direct, indirect, special or consequential damages, costs, expenses, legal fees, or losses (including lost income or lost profit and opportunity costs) in connection with subscriber’s or others’ use of S&P Capital IQ. (2018)