OTCPK:MWBC

Stock Analysis Report

Executive Summary

MW Bancorp, Inc. operates as the stock holding company for the Watch Hill Bank that provides general banking services to individuals and businesses in the United States.

Snowflake

Fundamentals

Excellent balance sheet with moderate growth potential.

Risks

  • MW Bancorp is not covered by any analysts.

Share Price & News

How has MW Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

OTCPK:MWBC

1.2%

US Mortgage

0.9%

US Market


1 Year Return

24.4%

OTCPK:MWBC

-0.3%

US Mortgage

0.3%

US Market

MWBC outperformed the Mortgage industry which returned -8.5% over the past year.

MWBC outperformed the Market in United States of America which returned 7% over the past year.


Share holder returns

MWBCIndustryMarket
7 Day0.5%1.2%0.9%
30 Day0.5%-1.2%-1.9%
90 Day1.7%-0.5%1.6%
1 Year24.4%24.4%1.8%-0.3%2.6%0.3%
3 Year99.1%92.0%33.8%24.8%41.0%31.8%
5 Yearn/a59.0%42.3%55.2%38.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

1.49x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

MW Bancorp is loss making, we can't compare its value to the US Mortgage industry average.

MW Bancorp is loss making, 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 MW Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

MW Bancorp is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is MW Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

33.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if MW Bancorp is high growth as no revenue estimate data is available.

MW Bancorp's earnings are expected to grow significantly at over 20% yearly.

Unable to compare MW Bancorp's revenue growth to the United States of America market average as no estimate data is available.

MW Bancorp's earnings growth is expected to exceed the United States of America market average.

MW Bancorp's earnings growth is expected to exceed the low risk savings rate of 3%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if MW Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has MW Bancorp performed over the past 5 years?

57.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

MW Bancorp does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.

Unable to compare MW Bancorp's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare MW Bancorp's 1-year growth to the US Mortgage industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if MW Bancorp has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if MW Bancorp has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

MW Bancorp has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is MW Bancorp'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

Information is not available.

Information is not available.


Financial Institutions Analysis

MW Bancorp has an acceptable proportion of non-loan assets held.

MW Bancorp has a sufficient allowance for bad loans.

MW Bancorp's liabilities are made up of primarily low risk sources of funding.

MW Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

MW Bancorp has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).

MW Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is MW Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate MW Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate MW Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as MW Bancorp has not reported any payouts.

Unable to verify if MW Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

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

4.2yrs

Average management tenure


CEO

Greg Niesen (52yo)

4.2yrs

Tenure

US$496,240

Compensation

Mr. Gregory P. Niesen, also known as Greg, has been the Chief Executive Officer and President of MW Bancorp, Inc. since June 2012. Mr. Niesen has been the Chief Executive Officer and President of Watch Hil ...


CEO Compensation Analysis

Greg's remuneration is higher than average for companies of similar size in United States of America.

Greg's compensation has been consistent with company performance over the past year.


Management Age and Tenure

4.2yrs

Average Tenure

57yo

Average Age

The tenure for the MW Bancorp management team is about average.


Board Age and Tenure

4.2yrs

Average Tenure

69yo

Average Age

The tenure for the MW Bancorp board of directors is about average.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Julie Bertsch (57yo)

    Executive VP

    • Tenure: 3.0yrs
    • Compensation: US$201.78k
  • Greg Niesen (52yo)

    President & CEO

    • Tenure: 4.2yrs
    • Compensation: US$496.24k
  • Tom McAllister

    Chief Credit Officer

    • Tenure: 4.8yrs
  • Brian Veith

    Senior Vice President of Commercial Banking

    • Tenure: 4.4yrs
  • Karan Kiser (60yo)

    Executive VP & COO of Watch Hill Bank

    • Tenure: 2.8yrs
    • Compensation: US$192.81k

Board Members

  • Greg Niesen (52yo)

    President & CEO

    • Tenure: 4.2yrs
    • Compensation: US$496.24k
  • Ben Buerger (72yo)

    Chairman of the Board

    • Tenure: 4.2yrs
    • Compensation: US$30.50k
  • John Croxton (89yo)

    Director

    • Tenure: 4.8yrs
    • Compensation: US$28.50k
  • Bruce Thompson (69yo)

    Director

    • Tenure: 4.8yrs
    • Compensation: US$9.50k
  • David Tedtman (60yo)

    Director

    • Tenure: 3.6yrs
    • Compensation: US$58.31k

Company Information

MW Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: MW Bancorp, Inc.
  • Ticker: MWBC
  • Exchange: OTCPK
  • Founded: 1886
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$26.513m
  • Shares outstanding: 891.21k
  • Website: https://www.watchhillbank.com

Number of Employees


Location

  • MW Bancorp, Inc.
  • 2110 Beechmont Avenue
  • Cincinnati
  • Ohio
  • 45230
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MWBCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2015

Biography

MW Bancorp, Inc. operates as the stock holding company for the Watch Hill Bank that provides general banking services to individuals and businesses in the United States. It offers various deposit accounts, ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/10/31 21:56
End of Day Share Price2018/10/31 00:00
Earnings2018/06/30
Annual Earnings2018/06/30


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.