OTCPK:PDOB

Stock Analysis Report

Executive Summary

Presidio Bank, a state-chartered bank, provides commercial banking services to small and medium sized businesses in Northern California.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

How has Presidio Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.9%

PDOB

2.7%

US Banks

0.4%

US Market


1 Year Return

5.5%

PDOB

2.7%

US Banks

6.9%

US Market

Return vs Industry: PDOB exceeded the US Banks industry which returned 2.7% over the past year.

Return vs Market: PDOB matched the US Market which returned 6.9% over the past year.


Shareholder returns

PDOBIndustryMarket
7 Day-0.9%2.7%0.4%
30 Day-8.3%0.7%-1.1%
90 Day-3.6%3.0%-0.5%
1 Year5.5%5.5%5.7%2.7%9.3%6.9%
3 Year101.2%101.2%52.1%41.6%45.8%36.4%
5 Year132.6%132.6%69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Presidio Bank undervalued compared to its fair value and its price relative to the market?

13.95x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Undervalued: PDOB ($27.96) is trading above our estimate of fair value ($13.92)

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


Price To Earnings Ratio

PE vs Industry: PDOB is poor value based on its PE Ratio (14x) compared to the Banks industry average (12.6x).

PE vs Market: PDOB is good value based on its PE Ratio (14x) compared to the US market (17.6x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: PDOB is overvalued based on its PB Ratio (1.8x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Presidio Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

3.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PDOB's forecast earnings growth (3.3% per year) is above the savings rate (2.7%).

Earnings vs Market: PDOB's earnings (3.3% per year) are forecast to grow slower than the US market (14.6% per year).

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

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

High Growth Revenue: Insufficient data to determine if PDOB'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 PDOB's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Presidio Bank performed over the past 5 years?

37.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: PDOB's earnings have grown significantly by 37.3% per year over the past 5 years.

Accelerating Growth: PDOB's earnings growth over the past year (61.6%) exceeds its 5-year average (37.3% per year).

Earnings vs Industry: PDOB earnings growth over the past year (61.6%) exceeded the Banks industry 29.6%.


Return on Equity

High ROE: PDOB's Return on Equity (13.1%) is considered low.


Return on Assets

ROA vs Industry: PDOB has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

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


Next Steps

Financial Health

How is Presidio Bank'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: PDOB has a low level of unsold assets or inventory.

Debt Coverage by Assets: PDOB's debt is covered by short term assets (assets are 6.135900x debt).


Financial Institutions Analysis

Asset Level: PDOB's level of assets compared to its equity is low.

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

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

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

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

Level of Bad Loans: PDOB has an appropriate level of bad loans (0.54%)


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

High Dividend: Unable to evaluate PDOB'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 PDOB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PDOB'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 PDOB'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 Presidio Bank's salary, the management and board of directors tenure and is there insider trading?

5.0yrs

Average management tenure


CEO

Steve Heitel (60yo)

10yrs

Tenure

0

Mr. Stephen G. Heitel, also known as Steve, serves as the Chief Executive Officer of Presidio Bank and was its President. Mr. Heitel served as the President and Chief Executive Officer of Mid Peninsula Ban ...


Management Age and Tenure

5.0yrs

Average Tenure

Experienced Management: PDOB's management team is seasoned and experienced (5 years average tenure).


Board Age and Tenure

8.9yrs

Average Tenure

63yo

Average Age

Experienced Board: PDOB's board of directors are considered experienced (8.9 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.


Ownership Breakdown


Management Team

  • Robertson Jones

    President

    • Tenure: 1.3yrs
  • Steve Heitel (60yo)

    CEO & Director

    • Tenure: 10yrs
  • Richard Cerf

    Senior VP & Relationship Manager for Francisco Regional Office

    • Tenure: 8.3yrs
  • Jim Woolwine

    Founder & Chairman

    • Tenure: 13.8yrs
  • Karol Watson

    Executive VP & COO

    • Tenure: 1.3yrs
  • Katie Seedman

    Senior Vice President and Relationship Manager of Mid-Peninsula Regional office

    • Tenure: 0yrs
  • Lisa Zuffi

    Senior VP & Relationship Manager of East Bay Regional Office

    • Tenure: 0yrs
  • Annette Gelinas

    Senior Vice President of Marketing

    • Tenure: 1.8yrs
  • Todd Allen

    Executive VP & North Bay Market President

    • Tenure: 0yrs
  • Ed Murphy

    Executive VP & CFO

    • Tenure: 13.8yrs

Board Members

  • Steve Mayer

    Director

    • Tenure: 0yrs
  • Paula Collins (69yo)

    Director

    • Tenure: 0yrs
  • Steve Heitel (60yo)

    CEO & Director

    • Tenure: 10yrs
  • Bruce Cabral (63yo)

    Vice Chairman

    • Tenure: 0yrs
  • Jim Westfall (66yo)

    Director

    • Tenure: 4.4yrs
  • Larry Nibbi

    Director

    • Tenure: 4.8yrs
  • Marina Park (62yo)

    Director

    • Tenure: 8.9yrs
  • Jim Woolwine

    Founder & Chairman

    • Tenure: 13.8yrs
  • Greg Moss

    Director

    • Tenure: 0yrs
  • Robert Leet

    Director

    • Tenure: 0yrs

Company Information

Presidio Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Presidio Bank
  • Ticker: PDOB
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$176.994m
  • Shares outstanding: 6.33m
  • Website: https://www.presidiobank.com

Number of Employees


Location

  • Presidio Bank
  • 1 Montgomery Street
  • Suite 2300
  • San Francisco
  • California
  • 94104
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PDOBOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDSep 2006

Biography

Presidio Bank, a state-chartered bank, provides commercial banking services to small and medium sized businesses in Northern California. The company offers checking accounts, savings/money market accounts, ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 23:53
End of Day Share Price2019/10/11 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.