OTCPK:HMLN

Stock Analysis Report

Hamlin Bank & Trust (Smethport PA)

Executive Summary

Hamlin Bank & Trust Co. offers personal and commercial banking services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • No data on Hamlin Bank & Trust (Smethport PA)'s last earnings update.
  • Hamlin Bank & Trust (Smethport PA) is not covered by any analysts.

Similar Companies

Share Price & News

How has Hamlin Bank & Trust (Smethport PA)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:HMLN

-1.9%

US Banks

-1.9%

US Market


1 Year Return

-11.8%

OTCPK:HMLN

-16.1%

US Banks

-3.3%

US Market

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

HMLN underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

HMLNIndustryMarket
7 Day0%-1.9%-1.9%
30 Day0%-11.1%-6.2%
90 Dayn/a-4.9%0.3%
1 Year-8.2%-11.8%-13.7%-16.1%-1.1%-3.3%
3 Year16.8%4.4%37.8%28.4%37.9%28.9%
5 Year41.4%16.3%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Hamlin Bank & Trust (Smethport PA)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Hamlin Bank & Trust (Smethport PA) 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 Hamlin Bank & Trust (Smethport PA) is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Hamlin Bank & Trust (Smethport PA) 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 HMLN’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 Hamlin Bank & Trust (Smethport PA) regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Hamlin Bank & Trust (Smethport PA) 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 Hamlin Bank & Trust (Smethport PA) 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 HMLN’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 Hamlin Bank & Trust (Smethport PA)'s filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Hamlin Bank & Trust (Smethport PA) 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, Hamlin Bank & Trust (Smethport PA) 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

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Hamlin Bank & Trust (Smethport PA)'s' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • 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 Hamlin Bank & Trust (Smethport PA)'s filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Hamlin Bank & Trust (Smethport PA)'s financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Hamlin Bank & Trust (Smethport PA)'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. Hamlin Bank & Trust (Smethport PA) 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 HMLN’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 Hamlin Bank & Trust (Smethport PA)'s financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Hamlin Bank & Trust (Smethport PA)'s current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Hamlin Bank & Trust (Smethport PA)'s dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Hamlin Bank & Trust (Smethport PA)'s dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Hamlin Bank & Trust (Smethport PA) has not reported any payouts.

Unable to verify if Hamlin Bank & Trust (Smethport PA)'s dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Hamlin Bank & Trust (Smethport PA) 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 Hamlin Bank & Trust (Smethport PA)'s salary, the management and board of directors tenure and is there insider trading?


CEO

Martin Digel 0

0.0yrs

Tenure

0

Mr. Martin J. Digel serves as President and Chief Executive Officer of Hamlin Bank and Trust Company since April 2001 and served as its Chief Financial Officer from 1994 to 2001. Mr. Digel serves as Treasu ...


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Martin Digel

    President

    • Tenure: 0.0yrs
  • Jeffrey Wilson

    Vice President of Operations & Treasurer

    • Tenure: 0.0yrs

Board Members

  • Martin Digel

    President

    • Tenure: 0.0yrs
  • Robert Digel

    Chairman of the Board

    • Tenure: 0.0yrs
  • Richard Brown

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • John Yoder

    Director

    • Tenure: 0.0yrs
  • Matthew Beck

    Director

    • Tenure: 0.0yrs
  • T. Chambers

    Director

    • Tenure: 0.0yrs
  • John Pierotti

    Director

    • Tenure: 0.0yrs

Company Information

Hamlin Bank & Trust Co. (Smethport, PA)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Hamlin Bank & Trust Co. (Smethport, PA)
  • Ticker: HMLN
  • Exchange: OTCPK
  • Founded: 1863
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$108.585m
  • Shares outstanding: 381.00k
  • Website: https://www.hamlinbank.com

Location

  • Hamlin Bank & Trust Co. (Smethport, PA)
  • 333 West Main Street
  • PO Box 367
  • Smethport
  • Pennsylvania
  • 16749-0367
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
HMLNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1996

Biography

Hamlin Bank & Trust Co. offers personal and commercial banking services. The bank was founded in 1863 and is based in Smethport, Pennsylvania. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 23:39
End of Day Share Price2019/08/21 00:00
EarningsN/A
Annual EarningsN/A


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.