How does IDFB's PE Ratio compare to its peers?

IDFB is expensive based on its Price-To-Earnings Ratio (11.1x) compared to the peer average (8x).

How does IDFB's PE Ratio compare vs other companies in the US Banks Industry?

IDFB is expensive based on its Price-To-Earnings Ratio (11.1x) compared to the US Banks industry average (8.9x).

What is IDFB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate IDFB's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of IDFB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

IDFB ($12) is trading below our estimate of [[fair value]] ($18.67)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

IDFB Stock Overview

Peak Bancorp, Inc., through its subsidiary, Idaho First Bank, provides various banking products and services to commercial and consumer customers in southwestern Idaho. More details

IDFB fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 35.7% below our estimate of its fair value

Earnings grew by 57.1% over the past year

Risk Analysis

Does not have a meaningful market cap ($64M)

My Notes

Capture your thoughts, links and company narrative

Peak Bancorp, Inc. Competitors

Bank of Botetourt

OTCPK:BORT

US$63.2m

Bancorp. of Southern Indiana

OTCPK:BCSO

US$63.5m

blueharbor bank

OTCPK:BLHK

US$63.9m

Potomac Bancshares

OTCPK:PTBS

US$68.3m

Price History & Performance

Summary of share price highs, lows and changes for Peak Bancorp
Historical stock prices
Current Share Price	US$12.00
52 Week High	US$12.10
52 Week Low	US$8.36
Beta	0.25
1 Month Change	25.00%
3 Month Change	25.65%
1 Year Change	8.70%
3 Year Change	100.00%
5 Year Change	71.67%
Change since IPO	-90.40%

Recent updates

Shareholder Returns

	IDFB	US Banks	US Market
7D	-0.08%	-3.5%	-2.7%
1Y	8.7%	29.1%	23.4%

Return vs Industry: IDFB exceeded the US Banks industry which returned 2% over the past year.

Return vs Market: IDFB underperformed the US Market which returned 15.2% over the past year.

Price Volatility

Is IDFB's price volatile compared to industry and market?
IDFB volatility
IDFB Average Weekly Movement	7.3%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: IDFB has not had significant price volatility in the past 3 months.

Volatility Over Time: IDFB's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2005	n/a	Stephen Cooper	www.idahofirstbank.com

Peak Bancorp, Inc., through its subsidiary, Idaho First Bank, provides various banking products and services to commercial and consumer customers in southwestern Idaho. It offers personal and business deposit products, including savings and checking accounts. The company also provides personal and business loans, as well as home loans; and online and mobile banking, loans and lines of credit, credit cards, quick books, autobooks, and cash management services.

Peak Bancorp, Inc. Fundamentals Summary

How do Peak Bancorp's earnings and revenue compare to its market cap?
IDFB fundamental statistics
Market cap	US$64.46m
Earnings (TTM)	US$5.81m
Revenue (TTM)	US$23.24m

11.1x

P/E Ratio

1.4x

P/B Ratio

Is IDFB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IDFB income statement (TTM)
Revenue	US$23.24m
Cost of Revenue	US$0
Gross Profit	US$23.24m
Other Expenses	US$17.43m
Earnings	US$5.81m

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	1.08
Gross Margin	100.00%
Net Profit Margin	24.99%
Debt/Equity Ratio	57.6%

How did IDFB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/12/01 16:04
End of Day Share Price	2023/11/29 00:00
Earnings	2023/09/30
Annual Earnings	2022/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Peak Bancorp, Inc. is covered by 0 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Peak Bancorp OTCPK:IDFB Stock Report