OTCPK:HABC

Stock Analysis Report

Executive Summary

Habersham Bancorp does not have significant operations.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Habersham Bancorp's last earnings update was 3209 days ago.
  • Habersham Bancorp is not covered by any analysts.

Share Price & News

How has Habersham Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:HABC

-2.6%

US Banks

-1.0%

US Market


1 Year Return

18.8%

OTCPK:HABC

-14.2%

US Banks

-0.4%

US Market

HABC outperformed the Banks industry which returned -16.1% over the past year.

HABC outperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

HABCIndustryMarket
7 Day0%-2.6%-1.0%
30 Day26.7%-5.5%-3.3%
90 Dayn/a-3.5%0.4%
1 Year18.8%18.8%-11.8%-14.2%1.8%-0.4%
3 Year18.8%18.8%42.2%32.4%39.4%30.4%
5 Yearn/a53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


In this section, we usually try to help investors determine whether Habersham Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Habersham Bancorp has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of HABC’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.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Habersham Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the banks industry.

Future Growth

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

1.5%

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 Habersham Bancorp 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 HABC’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 Habersham Bancorp's filings and announcements here.
  • Explore growth companies in the banks industry.

Past Performance

How has Habersham Bancorp performed over the past 5 years?

15.4%

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, Habersham Bancorp 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 Habersham Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Habersham Bancorp'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. Habersham Bancorp 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

Dividend

What is Habersham Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

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

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

Unable to perform a dividend volatility check as Habersham Bancorp has not reported any payouts.

Unable to verify if Habersham Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

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

15.6yrs

Average management tenure


CEO

Habersham Bancorp has no CEO, or we have no data on them.


Management Age and Tenure

15.6yrs

Average Tenure

57yo

Average Age

The average tenure for the Habersham Bancorp 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

  • Karen Ward (57yo)

    Vice President of Human Resources and Senior Vice President of Human Resources - Habersham Bank

    • Tenure: 15.6yrs
    • Compensation: $107.38k
  • Britt Henderson (55yo)

    Vice President of Commercial Banking and Regional President - Habersham Bank

    • Tenure: 16.6yrs
    • Compensation: $215.15k
  • Dulcie Ariail (59yo)

    Vice President of Insurance Services

    • Tenure: 15.6yrs

Board Members

    Company Information

    Habersham Bancorp's company bio, employee growth, exchange listings and data sources


    Key Information

    • Name: Habersham Bancorp
    • Ticker: HABC
    • Exchange: OTCPK
    • Founded: 1904
    • Industry: regional banks
    • Sector: banks
    • Market Cap: US$53.561k
    • Shares outstanding: 2.82m
    • Website: Click here

    Location

    • Habersham Bancorp
    • Historic Highway 441 North
    • PO Box 1980
    • Cornelia
    • Georgia
    • 30531
    • United States

    Listings

    TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
    HABCOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJun 1979

    Biography

    Habersham Bancorp does not have significant operations. Previously, the company, operated as the bank holding company for Habersham Bank that provided commercial banking services to businesses and individu ...


    Company Analysis and Financial Data Status

    All financial data provided by Standard & Poor's Capital IQ.
    DataLast Updated (UTC time)
    Company Analysis2019/08/16 23:36
    End of Day Share Price2019/07/30 00:00
    Earnings2010/09/30
    Annual Earnings2009/12/31


    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.