OTCPK:PEBA

Stock Analysis Report

Executive Summary

Penn Bancshares, Inc. operates as the bank holding company for Pennsville National Bank that provides various banking services in Salem County, New Jersey.

Snowflake

Fundamentals

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Penn Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

PEBA

2.7%

US Banks

0.4%

US Market


1 Year Return

n/a

PEBA

2.7%

US Banks

6.9%

US Market


Shareholder returns

PEBAIndustryMarket
7 Day0%2.7%0.4%
30 Day0%0.2%-1.2%
90 Day0%2.9%-0.4%
1 Yearn/a5.7%2.7%9.3%6.9%
3 Year-0.5%-0.5%52.1%41.6%45.8%36.4%
5 Yearn/a69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Penn Bancshares undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Undervalued: Insufficient data to calculate PEBA's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate PEBA's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate PEBA's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate PEBA's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: Insufficient data to calculate PEBA's PB Ratio to determine if it is good value.


Next Steps

Future Growth

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

0.9%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if PEBA's forecast earnings growth is above the savings rate (2.7%).

Earnings vs Market: Insufficient data to determine if PEBA's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

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

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


Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Penn Bancshares performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if PEBA's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare PEBA's past year earnings growth to its 5-year average.

Earnings vs Industry: Insufficient data to determine if PEBA's earnings growth over the past year exceeded the Banks industry average.


Return on Equity

High ROE: PEBA has a negative Return on Equity (0%), as it is currently unprofitable.


Return on Assets

ROA vs Industry: Insufficient data to calculate PEBA's Return on Assets to determine if it is higher than the Banks industry average last year.


Return on Capital Employed

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


Next Steps

Financial Health

How is Penn Bancshares's financial position?


Financial Position Analysis

Short Term Liabilities: Insufficient data to determine if PEBA's short term assets cover its short term liabilities

Long Term Liabilities: PEBA has no long term liabilities


Debt to Equity History and Analysis

Debt Level: Insufficient data to calculate PEBA's debt to equity ratio to determine if it is satisfactory

Reducing Debt: Insufficient data to determine if PEBA's debt to equity ratio has reduced over the past 5 years.


Balance Sheet

Information is not available.

Information is not available.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Insufficient data to determine if PEBA has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if PEBA has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


Next Steps

Dividend

What is Penn Bancshares'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 PEBA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

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

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

16.2yrs

Average board tenure


CEO

Penn Bancshares has no CEO, or we have no data on them.


Board Age and Tenure

16.2yrs

Average Tenure

Experienced Board: PEBA's board of directors are seasoned and experienced ( 16.2 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

  • Donald Masten

    Chairman of the Board

    • Tenure: 0yrs
  • Bill Masten

    President & Assistant Treasurer

    • Tenure: 22.2yrs
  • Bob Vanderslice (65yo)

    VP, Treasurer

    • Tenure: 0yrs

Board Members

  • David Bailey

    Director

    • Tenure: 18.2yrs
  • Donald Masten

    Chairman of the Board

    • Tenure: 0yrs
  • James Hackett

    Director

    • Tenure: 12.2yrs
  • Bill Masten

    President & Assistant Treasurer

    • Tenure: 22.2yrs
  • John Ashcraft

    Director

    • Tenure: 0yrs
  • Bob Vanderslice (65yo)

    VP, Treasurer

    • Tenure: 0yrs
  • Edward Bouvier

    Director

    • Tenure: 0yrs
  • Thomas Sloan

    Director

    • Tenure: 16.2yrs
  • Robert Smick

    Director

    • Tenure: 16.2yrs
  • Jilda Fitchett

    Director

    • Tenure: 12.2yrs

Company Information

Penn Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Penn Bancshares, Inc.
  • Ticker: PEBA
  • Exchange: OTCPK
  • Founded: 1969
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.pennsvillenb.com

Location

  • Penn Bancshares, Inc.
  • 170 South Broadway
  • PO Box 345
  • Pennsville
  • New Jersey
  • 8070
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PEBAOTCPK (Pink Sheets LLC)YesCOMUSUSDAug 1995

Biography

Penn Bancshares, Inc. operates as the bank holding company for Pennsville National Bank that provides various banking services in Salem County, New Jersey. The company accepts various deposit products, inc ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/03/13 00:13
End of Day Share Price2018/12/13 00:00
EarningsN/A
Annual EarningsN/A


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.