OTCPK:MCHT

Stock Analysis Report

Mauch Chunk Trust Financial

Executive Summary

Mauch Chunk Trust Financial Corp. operates as a bank holding company for Mauch Chunk Trust Company that provides various banking products and services primarily in Carbon County, Pennsylvania.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.


Similar Companies

Share Price & News

How has Mauch Chunk Trust Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

MCHT

1.7%

US Banks

1.3%

US Market


1 Year Return

n/a

MCHT

0.3%

US Banks

5.9%

US Market

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

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


Shareholder returns

MCHTIndustryMarket
7 Day0%1.7%1.3%
30 Day0%-2.4%-1.9%
90 Dayn/a1.0%-1.8%
1 Yearn/a3.2%0.3%8.3%5.9%
3 Year33.7%24.0%52.1%41.7%45.6%36.2%
5 Year30.7%11.9%69.8%51.4%66.1%47.9%

Price Volatility Vs. Market

How volatile is Mauch Chunk Trust Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Mauch Chunk Trust Financial undervalued compared to its fair value and its price relative to the market?

17.23x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: MCHT ($15.5) is trading above our estimate of fair value ($7.6)

Significantly Undervalued: MCHT is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: MCHT is poor value based on its PE Ratio (17.2x) compared to the Banks industry average (12.5x).

PE vs Market: MCHT is good value based on its PE Ratio (17.2x) compared to the US market (17.5x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: MCHT is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Mauch Chunk Trust Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: MCHT's forecast earnings growth (10.1% per year) is above the savings rate (2.7%).

Earnings vs Market: MCHT's earnings (10.1% per year) are forecast to grow slower than the US market (14.4% per year).

High Growth Earnings: MCHT's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if MCHT's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if MCHT's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if MCHT's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Mauch Chunk Trust Financial performed over the past 5 years?

-1.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: MCHT's earnings have declined by -1.9% per year over the past 5 years.

Accelerating Growth: MCHT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: MCHT had negative earnings growth (-7.5%) over the past year, making it difficult to compare to the Banks industry average (31.8%).


Return on Equity

High ROE: MCHT's Return on Equity (6.6%) is considered low.


Return on Assets

ROA vs Industry: MCHT's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate MCHT's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Mauch Chunk Trust Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: MCHT has a low level of unsold assets or inventory.

Debt Coverage by Assets: MCHT's debt is not covered by short term assets (assets are 0.4x debt).


Financial Institutions Analysis

Asset Level: MCHT's level of assets compared to its equity is moderate.

Allowance for Bad Loans: MCHT has a sufficient allowance for bad loans.

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

Loan Level: MCHT has an acceptable proportion of non-loan assets held.

Low Risk Deposits: MCHT's loans are broadly funded by customer deposits.

Level of Bad Loans: MCHT has an appropriate level of bad loans (0.09%)


Next Steps

Dividend

What is Mauch Chunk Trust Financial's current dividend yield, its reliability and sustainability?

1.42%

Current Dividend Yield


Dividend Yield vs Market

company1.4%marketbottom25%1.5%markettop25%3.8%industryaverage3.1%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: MCHT's dividend (1.42%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.47%).

High Dividend: MCHT's dividend (1.42%) is low compared to the top 25% of dividend payers in the US market (3.77%).

Stable Dividend: MCHT has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: MCHT has only been paying a dividend for 6 years, and since then payments have fallen.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (24.5%), MCHT's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of Mauch Chunk Trust Financial's salary, the management and board of directors tenure and is there insider trading?

9.8yrs

Average management tenure


CEO

Pat Reilly (67yo)

18.8yrs

Tenure

0

Patrick H. Reilly serves as Chief Executive Officer, President and Director of Mauch Chunk Trust Company and Mauch Chunk Trust Financial Corp. 


Management Age and Tenure

9.8yrs

Average Tenure

Experienced Management: MCHT's management team is seasoned and experienced (9.8 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

  • William Reabold (82yo)

    Secretary & Director

    • Tenure: 18.8yrs
  • Pat Reilly (67yo)

    President

    • Tenure: 18.8yrs
  • Deborah Price

    Chief Lending Officer & Commercial Loan Officer of Mauch Chunk Trust Co.

    • Tenure: 0yrs
  • Denise Rautzhan

    Treasurer

    • Tenure: 9.8yrs
  • Joanne Uhrie

    Assistant Secretary

    • Tenure: 0yrs
  • Richard Ketner

    Chief Credit Officer of Mauch Chunk Trust Company

    • Tenure: 2.6yrs

Board Members

  • Charles Wildoner

    Chairman of the Board

    • Tenure: 0yrs
  • William Reabold (82yo)

    Secretary & Director

    • Tenure: 18.8yrs
  • Edward Beckett

    Director

    • Tenure: 0yrs
  • James Nanovic

    Director

    • Tenure: 0yrs
  • Ida Queen

    Director

    • Tenure: 0yrs
  • Pat Reilly (67yo)

    President

    • Tenure: 18.8yrs
  • Thomas Lisella

    Director

    • Tenure: 0yrs
  • James Smith

    Director

    • Tenure: 0yrs
  • Edward McElmoyle (95yo)

    Director Emeritus

    • Tenure: 0yrs

Company Information

Mauch Chunk Trust Financial Corp.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mauch Chunk Trust Financial Corp.
  • Ticker: MCHT
  • Exchange: OTCPK
  • Founded: 1902
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$47.694m
  • Shares outstanding: 3.08m
  • Website: https://www.mauchchunktrust.com

Number of Employees


Location

  • Mauch Chunk Trust Financial Corp.
  • 1111 North Street
  • Jim Thorpe
  • Pennsylvania
  • 18229
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MCHTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 1996

Biography

Mauch Chunk Trust Financial Corp. operates as a bank holding company for Mauch Chunk Trust Company that provides various banking products and services primarily in Carbon County, Pennsylvania. The company  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 23:36
End of Day Share Price2019/09/11 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.