OTCPK:LIBC

Stock Analysis Report

Liberty Bancorp (South San Francisco CA)

Executive Summary

Liberty Bancorp operates as a bank holding company for Liberty Bank that provides banking products and services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has Liberty Bancorp (South San Francisco CA)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

LIBC

1.7%

US Banks

1.3%

US Market


1 Year Return

n/a

LIBC

0.3%

US Banks

5.9%

US Market

Return vs Industry: Insufficient data to determine how LIBC performed against the US Banks industry.

Return vs Market: Insufficient data to determine how LIBC performed against the US Market.


Shareholder returns

LIBCIndustryMarket
7 Day0%1.7%1.3%
30 Day8.0%-2.4%-1.9%
90 Dayn/a1.0%-1.8%
1 Yearn/a3.2%0.3%8.3%5.9%
3 Year57.1%57.1%52.1%41.7%45.6%36.2%
5 Year111.4%111.4%69.8%51.4%66.1%47.9%

Price Volatility Vs. Market

How volatile is Liberty Bancorp (South San Francisco CA)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Liberty Bancorp (South San Francisco CA) undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Liberty Bancorp (South San Francisco CA) is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Liberty Bancorp (South San Francisco CA) has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of LIBC’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.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Liberty Bancorp (South San Francisco CA) regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Liberty Bancorp (South San Francisco CA) forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.3%

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 Liberty Bancorp (South San Francisco CA) 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

  • Take a look at our analysis of LIBC’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.
  • 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 Liberty Bancorp (South San Francisco CA)'s filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Liberty Bancorp (South San Francisco CA) performed over the past 5 years?

15.5%

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, Liberty Bancorp (South San Francisco CA) 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 Liberty Bancorp (South San Francisco CA)'s financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Liberty Bancorp (South San Francisco CA)'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. Liberty Bancorp (South San Francisco CA) 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 LIBC’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 Liberty Bancorp (South San Francisco CA)'s financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Liberty Bancorp (South San Francisco CA)'s current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage3.1%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

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

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

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


Current Payout to Shareholders

Dividend 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 LIBC's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Liberty Bancorp (South San Francisco CA)'s salary, the management and board of directors tenure and is there insider trading?

11.8yrs

Average board tenure


CEO

Bruce Farrell 0

4.8yrs

Tenure

0

Mr. Bruce K. Farrell has been Chief Executive Officer and President at Liberty Bancorp (South San Francisco, CA) since January 23, 2015. Mr. Farrell serves as Chief Executive Officer and President of Liber ...


Board Age and Tenure

11.8yrs

Average Tenure

Experienced Board: LIBC's board of directors are seasoned and experienced ( 11.8 years average tenure).


Insider Trading

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


Management Team

  • Bruce Farrell

    President & CEO

    • Tenure: 4.8yrs
  • Tom Amendola

    Executive VP

    • Tenure: 0yrs

Board Members

  • Bruce Farrell

    President & CEO

    • Tenure: 4.8yrs
  • Dan O'Dell (65yo)

    Chairman of the Board

    • Tenure: 0yrs
  • John Cullison

    Vice Chairman of the Board

    • Tenure: 11.8yrs
  • Kenneth De Nault

    Director

    • Tenure: 17.8yrs
  • Joel Michel

    Director

    • Tenure: 0yrs
  • Melani Clark

    Director

    • Tenure: 0yrs
  • John Stowe

    Director

    • Tenure: 11.8yrs
  • Bodey De Nault

    Director

    • Tenure: 0yrs
  • Stephanie Uccelli - Menner

    Director

    • Tenure: 0yrs
  • Tom Amendola

    Executive VP

    • Tenure: 0yrs

Company Information

Liberty Bancorp (South San Francisco, CA)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Liberty Bancorp (South San Francisco, CA)
  • Ticker: LIBC
  • Exchange: OTCPK
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$23.052m
  • Shares outstanding: 886.61k
  • Website: https://www.libertybk.com

Location

  • Liberty Bancorp (South San Francisco, CA)
  • 500 Linden Avenue
  • South San Francisco
  • California
  • 94080
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LIBCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 1995

Biography

Liberty Bancorp operates as a bank holding company for Liberty Bank that provides banking products and services. The company offers personal, discount, interest, and business checking accounts, as well as  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 23:37
End of Day Share Price2019/09/17 00:00
Earnings2014/12/31
Annual Earnings2014/12/31


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.