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IDFB

Peak Bancorp OTCPK:IDFB Stock Report

Last Price

US$11.00

Market Cap

US$58.9m

7D

0%

1Y

33.3%

Updated

16 Jun, 2022

Data

Company Financials
IDFB fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends0/6

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.

Peak Bancorp Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Peak Bancorp
Historical stock prices
Current Share PriceUS$11.00
52 Week HighUS$11.55
52 Week LowUS$7.87
Beta0.40
1 Month Change0.92%
3 Month Change-1.61%
1 Year Change33.33%
3 Year Change78.57%
5 Year Change96.43%
Change since IPO-91.20%

Recent News & Updates

Shareholder Returns

IDFBUS BanksUS Market
7D0%-8.3%-9.1%
1Y33.3%-18.4%-22.5%

Return vs Industry: IDFB exceeded the US Banks industry which returned -20.1% over the past year.

Return vs Market: IDFB exceeded the US Market which returned -19.5% over the past year.

Price Volatility

Is IDFB's price volatile compared to industry and market?
IDFB volatility
IDFB Average Weekly Movement3.2%
Banks Industry Average Movement3.7%
Market Average Movement7.7%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.0%

Stable Share Price: IDFB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: Insufficient data to determine IDFB's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
2005n/aTodd Cooperhttps://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 lending, as well as home loans; and online and mobile banking, loans and lines of credit, credit cards, and cash management services.

Peak Bancorp Fundamentals Summary

How do Peak Bancorp's earnings and revenue compare to its market cap?
IDFB fundamental statistics
Market CapUS$58.86m
Earnings (TTM)US$5.68m
Revenue (TTM)US$21.91m

10.4x

P/E Ratio

1.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
IDFB income statement (TTM)
RevenueUS$21.91m
Cost of RevenueUS$0
Gross ProfitUS$21.91m
Other ExpensesUS$16.23m
EarningsUS$5.68m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.06
Gross Margin100.00%
Net Profit Margin25.91%
Debt/Equity Ratio87.0%

How did IDFB perform over the long term?

See historical performance and comparison

Valuation

Is Peak Bancorp undervalued compared to its fair value and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


10.37x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: IDFB ($11) is trading above our estimate of fair value ($4.54)

Significantly Below Fair Value: IDFB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: IDFB is poor value based on its Price-To-Earnings Ratio (10.4x) compared to the US Banks industry average (9.6x).

PE vs Market: IDFB is good value based on its Price-To-Earnings Ratio (10.4x) compared to the US market (14.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate IDFB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: IDFB is overvalued based on its Price-To-Book Ratio (1.4x) compared to the US Banks industry average (1.1x).


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Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


9.9%

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 Peak 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.


Discover growth companies

  • Check out Peak Bancorp's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
  • 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 Peak Bancorp's filings and announcements here.

Past Performance

How has Peak Bancorp performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


72.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: IDFB has high quality earnings.

Growing Profit Margin: IDFB's current net profit margins (25.9%) are higher than last year (17.8%).


Past Earnings Growth Analysis

Earnings Trend: IDFB has become profitable over the past 5 years, growing earnings by 72.2% per year.

Accelerating Growth: IDFB's earnings growth over the past year (86.2%) exceeds its 5-year average (72.2% per year).

Earnings vs Industry: IDFB earnings growth over the past year (86.2%) exceeded the Banks industry 20.8%.


Return on Equity

High ROE: IDFB's Return on Equity (13.3%) is considered low.


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Financial Health

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

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: IDFB's Assets to Equity ratio (13x) is moderate.

Allowance for Bad Loans: IDFB has a sufficient allowance for bad loans (692%).

Low Risk Liabilities: 92% of IDFB's liabilities are made up of primarily low risk sources of funding.

Loan Level: IDFB has an appropriate level of Loans to Assets ratio (71%).

Low Risk Deposits: IDFB's Loans to Deposits ratio (84%) is appropriate.

Level of Bad Loans: IDFB has an appropriate level of bad loans (0.2%).


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Dividend

What is Peak Bancorp current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate IDFB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate IDFB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

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

Growing Dividend: Insufficient data to determine if IDFB's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of IDFB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


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Management

How experienced are the management team and are they aligned to shareholders interests?

2.1yrs

Average management tenure


CEO

Todd Cooper

2yrs

Tenure

Mr. Todd Cooper serves as Chief Executive Officer at Peak Bancorp, Inc. since April 27, 2021 and also serves as its Director since May 2022. He serves as President at Idaho First Bank (formerly known as Pe...


Leadership Team

Experienced Management: IDFB's management team is considered experienced (2.1 years average tenure).


Board Members

Experienced Board: IDFB's board of directors are considered experienced (5.2 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.2%.


Top Shareholders

Company Information

Peak Bancorp Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Peak Bancorp Inc.
  • Ticker: IDFB
  • Exchange: OTCPK
  • Founded: 2005
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$58.857m
  • Shares outstanding: 5.35m
  • Website: https://www.idahofirstbank.com

Location

  • Peak Bancorp Inc.
  • 475 East Deinhard Lane
  • McCall
  • Idaho
  • 83638-4800
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/16 00:00
End of Day Share Price2022/06/14 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.