OTCPK:MYBF

Stock Analysis Report

Muncy Bank Financial

Executive Summary

Muncy Bank Financial, Inc., together with its subsidiaries, provides banking products and services to individuals and businesses in Pennsylvania.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • Muncy Bank Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has Muncy Bank Financial'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:MYBF

0.3%

US Banks

0.9%

US Market


1 Year Return

18.9%

OTCPK:MYBF

-13.6%

US Banks

0.3%

US Market

MYBF outperformed the Banks industry which returned -13.6% over the past year.

MYBF outperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

MYBFIndustryMarket
7 Day-0.5%0.3%0.9%
30 Day-4.4%-5.1%-1.9%
90 Day0.8%-3.5%1.6%
1 Year23.5%18.9%-11.2%-13.6%2.6%0.3%
3 Year21.2%8.9%43.6%33.7%41.0%31.8%
5 Year32.4%11.9%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Muncy Bank Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Muncy Bank Financial undervalued based on future cash flows and its price relative to the stock market?

12.07x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Muncy Bank Financial is good value based on earnings compared to the US Banks industry average.

Muncy Bank Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Muncy Bank Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Muncy Bank Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Muncy Bank Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

3.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Muncy Bank Financial is high growth as no revenue estimate data is available.

Muncy Bank Financial's earnings are expected to grow by 3.8% yearly, however this is not considered high growth (20% yearly).

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

Muncy Bank Financial's earnings growth is positive but not above the United States of America market average.

Muncy Bank Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

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


Next Steps

Past Performance

How has Muncy Bank Financial performed over the past 5 years?

-5.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Muncy Bank Financial's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Muncy Bank Financial's 1-year earnings growth exceeds its 5-year average (50.5% vs -5.9%)

Muncy Bank Financial's earnings growth has exceeded the US Banks industry average in the past year (50.5% vs 33.2%).


Return on Equity

Muncy Bank Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Muncy Bank Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Muncy Bank Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Muncy Bank 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

Information is not available.

Information is not available.


Financial Institutions Analysis

Muncy Bank Financial has an acceptable proportion of non-loan assets held.

Muncy Bank Financial has a sufficient allowance for bad loans.

Muncy Bank Financial's liabilities are made up of primarily low risk sources of funding.

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

Loans at Muncy Bank Financial are broadly funded by customer deposits.

Muncy Bank Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Muncy Bank Financial's current dividend yield, its reliability and sustainability?

3.59%

Current Dividend Yield


Dividend Yield and Payments Analysis

Muncy Bank Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

Muncy Bank Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.83%).

Muncy Bank Financial has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Dividend payments have increased, but Muncy Bank Financial only paid a dividend in the past 7 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.4x coverage).


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 Muncy Bank Financial's salary, the management and board of directors tenure and is there insider trading?

2.4yrs

Average management tenure


CEO

Rob Glunk (54yo)

2.7yrs

Tenure

0

Robert J. Glunk comes to Muncy Bank and Trust Company with 30 years of community banking experience, and most recently as President and CEO of another high performing local financial institution. His caree ...


Management Age and Tenure

2.4yrs

Average Tenure

The tenure for the Muncy Bank Financial management team is about average.


Board Age and Tenure

17.6yrs

Average Tenure

66yo

Average Age

The average tenure for the Muncy Bank Financial 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

  • Rob Glunk (54yo)

    Chairman

    • Tenure: 2.7yrs
  • Tammy Gunsallus

    Senior VP & Chief Retail Officer

    • Tenure: 0.0yrs
  • Rhonda Gingery

    Treasurer

    • Tenure: 0.0yrs
  • Michelle Rohrbach

    Assistant Secretary

    • Tenure: 0.0yrs
  • Kathlene Bower

    Senior Vice President of Business Development- The Muncy Bank and Trust Company

    • Tenure: 0.0yrs
  • Jason Fischer

    Chief Credit Officer of The Muncy Bank & Trust Co. and Vice President of The Muncy Bank & Trust Co.

    • Tenure: 0.0yrs
  • Kevin Weinhoffer

    Senior VP & Chief Lending Officer

    • Tenure: 2.4yrs
  • Beth Benson

    Corporate Secretary

    • Tenure: 0.0yrs
  • Misty Mark

    Senior VP & CFO

    • Tenure: 1.6yrs

Board Members

  • Rob Glunk (54yo)

    Chairman

    • Tenure: 2.7yrs
  • Todd Arthur (55yo)

    Director

    • Tenure: 12.6yrs
  • Dan Berninger (62yo)

    Director

    • Tenure: 23.6yrs
  • J. Langdon

    Director

    • Tenure: 0.0yrs
  • Richard Lloyd

    Director

    • Tenure: 0.0yrs
  • Harold Lowe (75yo)

    Director

    • Tenure: 0.0yrs
  • Gary Peck (69yo)

    Director

    • Tenure: 17.6yrs
  • Robert Rabb

    Director

    • Tenure: 0.0yrs
  • Bonnie Tompkins (66yo)

    Director

    • Tenure: 26.6yrs
  • David Wallis (83yo)

    Director

    • Tenure: 0.0yrs

Company Information

Muncy Bank Financial, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Muncy Bank Financial, Inc.
  • Ticker: MYBF
  • Exchange: OTCPK
  • Founded: 1893
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$56.382m
  • Shares outstanding: 1.53m
  • Website: https://www.muncybank.com

Number of Employees


Location

  • Muncy Bank Financial, Inc.
  • Two North Main Street
  • PO Box 179
  • Muncy
  • Pennsylvania
  • 17756
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MYBFOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDAug 1990

Biography

Muncy Bank Financial, Inc., together with its subsidiaries, provides banking products and services to individuals and businesses in Pennsylvania. It accepts savings, money market, and checking accounts. Th ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:40
End of Day Share Price2019/08/20 00:00
Earnings2019/03/31
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.