Liberty Bancorp, Inc. operates as the holding company for BankLiberty that provides various banking and financial services to individuals, families, and businesses in the Kansas City metropolitan area.
The last earnings update was 7 days ago.
Discounted Cash Flow Calculation for OTCPK:LBCP using Excess Returns Model Model
The calculations below outline how an intrinsic value for Liberty Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
The current share price of
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Liberty Bancorp's earnings available for a low price, and how does
this compare to other companies in the same industry?
Liberty Bancorp's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
Unable to determine if Liberty Bancorp is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Liberty Bancorp's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
4/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Brent M. Giles has been President and Chief Executive Officer of Liberty BanCorp. Inc (MO) and BankLiberty (Alternate Name, Liberty Savings Bank) since September 2003. He serves as Chairman of BankLiberty. He serves as Chairman of Liberty Bancorp, Inc. Mr. Giles serves as Chief Executive Officer and President of Liberty Savings Mutual Holding Company. Prior to joining BankLiberty, from August 2001 to August 2003, Mr. Giles was President of Lawson Bank, Lawson, Missouri, a Missouri-based community bank. From May 2000 to July 2001, Mr. Giles served as a financial services consultant with Rightworks Corporation, San Jose, California and from April 1998 to May 2000, Mr. Giles served as Vice President of UMB Bank, Kansas City, Missouri. From 1989 to April 1998, Mr. Giles was a financial institutions examiner with the Federal Deposit Insurance Corporation. Mr. Giles has been a Director of Liberty Bancorp, Inc. since 2003. Mr. Giles has been a Director of Liberty Savings Mutual Holding Company and Bank Liberty since 2003.
Insufficient data for Brent to compare compensation growth.
Insufficient data for Brent to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Executive VP & CFO
COO & General Counsel
Chief Deposit Officer & Executive VP of Bankliberty
VP & Corporate Secretary
Market President of Commercial Banking - BankLiberty
Chief Risk Officer of Bankliberty
Senior Vice President of Commercial Lending - BankLiberty
Senior Vice President of Compliance & Risk Management - BankLiberty
Chief Lending Officer
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The average tenure for the Liberty Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Liberty Bancorp, Inc. operates as the holding company for BankLiberty that provides various banking and financial services to individuals, families, and businesses in the Kansas City metropolitan area. The company accepts demand deposits, savings accounts, NOW accounts, checking accounts, certificates of deposit, and money market accounts. Its loan products include home equity lines of credit, auto loans, commercial real estate, equipment financing, revolving lines of credit, and construction loans. The company also offers online banking, bill payment, mobile banking, private banking, wire money transfer, mobile deposit, remote deposit, cash management, direct deposit, and debit card services. Liberty Bancorp, Inc. was founded in 1955 and is based in Kansas City, Missouri.
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