OTCPK:KLIB

Stock Analysis Report

Executive Summary

Killbuck Bancshares, Inc. operates as the holding company for The Killbuck Savings Bank Company that provides retail banking services to individuals and small to medium-sized businesses.

Snowflake

Fundamentals

Second-rate dividend payer with weak fundamentals.

Risks

  • Killbuck Bancshares has significant price volatility in the past 3 months.
  • Killbuck Bancshares's last earnings update was 1272 days ago.
  • Killbuck Bancshares is not covered by any analysts.

Share Price & News

How has Killbuck Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:KLIB

2.4%

US Banks

2.9%

US Market


1 Year Return

-0.08%

OTCPK:KLIB

-14.8%

US Banks

0.2%

US Market

KLIB outperformed the Banks industry which returned -15.3% over the past year.

KLIB matched the United States of America Market (-0.7%) over the past year.


Share holder returns

KLIBIndustryMarket
7 Day0%2.4%2.9%
30 Day-4.8%-6.3%-2.3%
90 Day0.6%-2.1%3.1%
1 Year2.1%-0.08%-12.4%-14.8%2.4%0.2%
3 Yearn/a41.7%32.0%41.7%32.4%
5 Year83.1%61.8%52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


Intrinsic Value Based on Future Cash Flows

Killbuck Bancshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Killbuck Bancshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for Killbuck Bancshares, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Killbuck Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is Killbuck Bancshares 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 Killbuck Bancshares 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

Past Performance

How has Killbuck Bancshares 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, Killbuck Bancshares 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 Killbuck Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Killbuck Bancshares'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. Killbuck Bancshares 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 KLIB’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 Killbuck Bancshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Killbuck Bancshares's current dividend yield, its reliability and sustainability?

1.79%

Current Dividend Yield


Dividend Yield and Payments Analysis

Killbuck Bancshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Killbuck Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.85%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

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

12.7yrs

Average board tenure


CEO

Craig Lawhead (61yo)

8.4yrs

Tenure

US$224,821

Compensation

Mr. Craig A. Lawhead has been the Chief Executive Officer of Killbuck Bancshares Inc. (the “Company”) since March 21, 2011. He was President at Killbuck Bancshares Inc. (the “Company”) since March 21, 2011 ...


Board Age and Tenure

12.7yrs

Average Tenure

65yo

Average Age

The average tenure for the Killbuck Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Craig Lawhead (61yo)

    CEO & Director

    • Tenure: 8.4yrs
    • Compensation: US$224.82k
  • Larry Cardinal (67yo)

    VP & Secretary

    • Tenure: 9.6yrs
    • Compensation: US$114.57k
  • Victor Weaver (57yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$111.76k
  • Eric Roll

    VP, Chief Technology Officer & Data Security Officer of Killbuck Savings Bank Company

    • Tenure: 0.0yrs
  • Rachel Miller

    VP & Secretary

    • Tenure: 0.0yrs

Board Members

  • Craig Lawhead (61yo)

    CEO & Director

    • Tenure: 8.4yrs
    • Compensation: US$224.82k
  • John Baker (74yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$25.40k
  • Ted Bratton (58yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$24.30k
  • Max Miller (63yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$17.75k
  • Dean Mullet (67yo)

    Director

    • Tenure: 23.6yrs
    • Compensation: US$14.50k
  • Mike Proper (70yo)

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$376.35k
  • Michael Yoder (77yo)

    Director Emeritus

    • Tenure: 0.0yrs
    • Compensation: US$15.75k
  • Gail Patterson (75yo)

    Director

    • Tenure: 12.7yrs
    • Compensation: US$18.00k
  • Zachary Morris (37yo)

    Director

    • Tenure: 3.6yrs
  • Kurt Cline (57yo)

    Director

    • Tenure: 2.6yrs

Company Information

Killbuck Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Killbuck Bancshares, Inc.
  • Ticker: KLIB
  • Exchange: OTCPK
  • Founded: 1900
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$108.279m
  • Shares outstanding: 614.00k
  • Website: https://www.killbuckbank.com

Location

  • Killbuck Bancshares, Inc.
  • 165 North Main Street
  • Killbuck
  • Ohio
  • 44637
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
KLIBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 1997

Biography

Killbuck Bancshares, Inc. operates as the holding company for The Killbuck Savings Bank Company that provides retail banking services to individuals and small to medium-sized businesses. It offers personal ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:38
End of Day Share Price2019/08/19 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


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.