OTCPK:RPFG

Stock Analysis Report

Rainier Pacific Financial Group

Executive Summary

Rainier Pacific Financial Group Inc. operates as the holding company for Rainier Pacific Savings Bank, which provides various banking services.


Snowflake Analysis

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Rainier Pacific Financial Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: RPFG's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

14.3%

RPFG

8.6%

US Mortgage

9.4%

US Market


1 Year Return

3900.0%

RPFG

-28.0%

US Mortgage

-6.8%

US Market

Return vs Industry: Insufficient data to determine how RPFG performed against the US Mortgage industry.

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


Shareholder returns

RPFGIndustryMarket
7 Day14.3%8.6%9.4%
30 Day3900.0%-21.1%-3.9%
90 Day3900.0%-33.4%-16.5%
1 Year3900.0%3900.0%-26.3%-28.0%-4.8%-6.8%
3 Yearn/a-17.8%-23.6%23.4%15.2%
5 Year3900.0%3900.0%1.0%-10.2%41.3%25.7%

Price Volatility Vs. Market

How volatile is Rainier Pacific Financial Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Rainier Pacific Financial Group undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Rainier Pacific Financial Group is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Rainier Pacific Financial Group has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of RPFG’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Rainier Pacific Financial Group regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Rainier Pacific Financial Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-3.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Rainier Pacific Financial Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of RPFG’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Rainier Pacific Financial Group's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Rainier Pacific Financial Group performed over the past 5 years?

16.0%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Rainier Pacific Financial Group has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Rainier Pacific Financial Group's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Rainier Pacific Financial Group's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Rainier Pacific Financial Group has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of RPFG’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Rainier Pacific Financial Group's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Rainier Pacific Financial Group's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

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


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if RPFG's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if RPFG's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: RPFG is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of RPFG's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

23.3yrs

Average board tenure


CEO

John Hall (58yo)

25.25s

Tenure

US$392,493

Compensation

Mr. John A. Hall has been Interim Treasurer and Chief Financial Officer of Rainier Pacific Financial Group Inc. since February 27, 2009 and serves as its Principal Accounting Officer, President and Chief E ...


Board Members

NamePositionTenureCompensationOwnership
John Hall
CEO, President25.25yrsUS$392.49kno data
Victor Toy
Senior VP & Corporate Secretary12.17yrsUS$247.40kno data
Stephen Bader
Director and Director of Rainier Pacific Savings Bank24.25yrsUS$36.63kno data
Karyn Clarke
Director and Director of Rainier Pacific Savings Bank22.25yrsUS$32.78kno data
Edward Brooks
Chairman and Chairman of Rainier Pacific Savings Bank28.25yrsUS$53.59kno data
Charles Cuzzetto
Director24.25yrsUS$34.83kno data
Brian Knutson
Director and Director of Rainier Pacific Savings Bank27.25yrsUS$35.33kno data
Alfred Treleven
Director and Director of Rainier Pacific Savings Bank23.25yrsUS$29.98kno data
Bruce Valentine
Director and Director of Rainier Pacific Savings Bank11.5yrsUS$2.25kno data

23.3yrs

Average Tenure

65yo

Average Age

Experienced Board: RPFG's board of directors are seasoned and experienced ( 23.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Rainier Pacific Financial Group Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Rainier Pacific Financial Group Inc.
  • Ticker: RPFG
  • Exchange: OTCPK
  • Founded: 1932
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$24.161k
  • Shares outstanding: 6.04m
  • Website: https://null

Location

  • Rainier Pacific Financial Group Inc.
  • 1498 Pacific Avenue
  • Tacoma
  • Washington
  • 98402
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RPFGOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2003

Biography

Rainier Pacific Financial Group Inc. operates as the holding company for Rainier Pacific Savings Bank, which provides various banking services. Its deposit products include checking accounts, money market deposit accounts, savings accounts, certificates of deposit, and individual retirement accounts. The company’s lending products include one-to-four family, multifamily, and commercial real estate loans; real estate construction loans, such as residential construction loans, single family land acquisition and development loans, and lot inventory loans; and consumer installment loans, such as auto, boats, recreational, home equity, and personal loans, as well as unsecured personal lines of credit, home equity lines of credit, and credit cards. In addition, it provides automobile and homeowners' insurance, financial planning, and non-federally insured mutual fund and investment services. The company provides its services to consumers, small and medium-sized businesses, and professionals. As of June 30, 2009, it operated 14 branch offices in the Tacoma-Pierce County market and the City of Federal Way, Washington State. The company was founded in 1932 and is based in Tacoma, Washington. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/10 08:51
End of Day Share Price2020/04/07 00:00
Earnings2009/12/31
Annual Earnings2009/12/31


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.