OTCPK:GNBF

Stock Analysis Report

GNB Financial Services

Executive Summary

GNB Financial Services, Inc. operates as the holding company for The Gratz Bank, which provides general banking products and services to individual and commercial customers in central Pennsylvania.

Snowflake

Fundamentals

Not a dividend payer with weak fundamentals.

Risks

  • GNB Financial Services's last earnings update was 1612 days ago.
  • GNB Financial Services is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:GNBF

-1.8%

US Banks

0.2%

US Market


1 Year Return

3.9%

OTCPK:GNBF

-15.3%

US Banks

-0.7%

US Market

GNBF outperformed the Banks industry which returned -15.3% over the past year.

GNBF outperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

GNBFIndustryMarket
7 Day0%-1.8%0.2%
30 Day-1.9%-6.4%-2.7%
90 Day-1.9%-4.0%1.6%
1 Year6.7%3.9%-12.9%-15.3%1.6%-0.7%
3 Year51.0%39.4%41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


Intrinsic Value Based on Future Cash Flows

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

GNB Financial Services'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 GNB Financial Services, 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 GNB Financial Services, 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 GNB Financial Services expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as GNB Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of GNBF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access GNB Financial Services's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has GNB Financial Services performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, GNB Financial Services has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is GNB Financial Services's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse GNB Financial Services's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. GNB Financial Services has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of GNBF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when GNB Financial Services's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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

2.27%

Current Dividend Yield


Dividend Yield and Payments Analysis

GNB Financial Services's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

GNB Financial Services's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

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

GNB Financial Services has only been paying a dividend for 5 years, and since then dividends per share have fallen.


Current Payout to Shareholders

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

2.6yrs

Average management tenure


CEO

Wes Weymers (62yo)

6.6yrs

Tenure

US$290,745

Compensation

Mr. Wesley M. Weymers is Chief Executive Officer at GNB Financial Services, Inc. and The Gratz Bank since 2013. Mr. Weymers is President of GNB Financial Services, Inc. and The Gratz Bank since January 1,  ...


CEO Compensation Analysis

Insufficient data for Wes to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

No earnings data for GNB Financial Services, not possible to compare to compensation.


Management Age and Tenure

2.6yrs

Average Tenure

62yo

Average Age

The tenure for the GNB Financial Services management team is about average.


Board Age and Tenure

8.7yrs

Average Tenure

64yo

Average Age

The tenure for the GNB Financial Services board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Wes Weymers (62yo)

    CEO, President & Director

    • Tenure: 6.6yrs
    • Compensation: US$290.75k
  • Aaron Klinger (44yo)

    Senior VP

    • Tenure: 2.6yrs
  • Cindy Shade (63yo)

    Assistant VP & Secretary

    • Tenure: 0.0yrs
  • Kelly Carter

    Controller

    • Tenure: 2.6yrs

Board Members

  • Wes Weymers (62yo)

    CEO, President & Director

    • Tenure: 6.6yrs
    • Compensation: US$290.75k
  • William Jones (64yo)

    Director

    • Tenure: 0.0yrs
  • David Koppenhaver (70yo)

    Chairman of the Board

    • Tenure: 11.2yrs
    • Compensation: US$43.68k
  • Joseph Michetti (64yo)

    Vice Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$23.16k
  • Tim Allison (70yo)

    Director

    • Tenure: 11.6yrs
    • Compensation: US$143.89k
  • Steve Tressler (64yo)

    Director

    • Tenure: 8.6yrs
    • Compensation: US$18.73k
  • Samuel Kauffman (48yo)

    Director

    • Tenure: 8.8yrs
    • Compensation: US$10.60k
  • Park Leitzel

    Director Emeritus

    • Tenure: 0.0yrs
  • Carl Klinger

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$108.19k
  • Kristen Snyder

    Director

    • Tenure: 1.6yrs

Company Information

GNB Financial Services, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: GNB Financial Services, Inc.
  • Ticker: GNBF
  • Exchange: OTCPK
  • Founded: 1934
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$44.520m
  • Shares outstanding: 779.00k
  • Website: https://www.gratzbank.com

Number of Employees


Location

  • GNB Financial Services, Inc.
  • 32 West Market Street
  • PO Box 159
  • Gratz
  • Pennsylvania
  • 17030
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GNBFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1996

Biography

GNB Financial Services, Inc. operates as the holding company for The Gratz Bank, which provides general banking products and services to individual and commercial customers in central Pennsylvania. It offe ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 00:16
End of Day Share Price2019/08/12 00:00
Earnings2014/12/31
Annual Earnings2014/12/31


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.