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
|Historical stock prices|
|Current Share Price||US$11.00|
|52 Week High||US$11.55|
|52 Week Low||US$7.87|
|1 Month Change||0.92%|
|3 Month Change||-1.61%|
|1 Year Change||33.33%|
|3 Year Change||78.57%|
|5 Year Change||96.43%|
|Change since IPO||-91.20%|
Recent News & Updates
|IDFB||US Banks||US Market|
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.
|IDFB Average Weekly Movement||3.2%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||7.7%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.0%|
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
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
|IDFB fundamental statistics|
Is IDFB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|IDFB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||1.06|
|Net Profit Margin||25.91%|
How did IDFB perform over the long term?See historical performance and comparison
Is Peak Bancorp undervalued compared to its fair value and its price relative to the market?
Valuation Score 1/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
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).
Discover undervalued companies
How is Peak Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
How has Peak Bancorp performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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.
Discover strong past performing companies
How is Peak Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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%).
Discover healthy companies
What is Peak Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 0/6
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.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management 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...
Experienced Management: IDFB's management team is considered experienced (2.1 years average tenure).
Experienced Board: IDFB's board of directors are considered experienced (5.2 years average tenure).
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.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.2%.
Peak Bancorp Inc.'s employee growth, exchange listings and data sources
- 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
- Peak Bancorp Inc.
- 475 East Deinhard Lane
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/16 00:00|
|End of Day Share Price||2022/06/14 00:00|
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.