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

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Rainier Pacific Financial Group's last earnings update was 3481 days ago.
  • Rainier Pacific Financial Group is not covered by any analysts.
  • Rainier Pacific Financial Group is a small market cap stock, these often have low liquidity.

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


Market Performance


7 Day Return

0%

OTCPK:RPFG

2.4%

US Mortgage

2.9%

US Market


1 Year Return

n/a

OTCPK:RPFG

-1.5%

US Mortgage

0.2%

US Market

No trading data on RPFG.

No trading data on RPFG.


Share holder returns

RPFGIndustryMarket
7 Day0%2.4%2.9%
30 Day0%-1.5%-2.3%
90 Dayn/a0.6%3.1%
1 Yearn/a0.6%-1.5%2.4%0.2%
3 Year0%0%32.6%23.8%41.7%32.4%
5 Year-99.0%-99.0%58.2%41.6%55.1%37.9%

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 based on future cash flows and its price relative to the stock 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 expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.3%

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?

0.2%

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 and Payments Analysis

Unable to evaluate Rainier Pacific Financial Group's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Rainier Pacific Financial Group's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Rainier Pacific Financial Group has not reported any payouts.

Unable to verify if Rainier Pacific Financial Group's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Rainier Pacific Financial Group 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 Rainier Pacific Financial Group's salary, the management and board of directors tenure and is there insider trading?

22.6yrs

Average board tenure


CEO

John Hall (58yo)

24.6yrs

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 Age and Tenure

22.6yrs

Average Tenure

65yo

Average Age

The average tenure for the Rainier Pacific Financial Group 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.


Management Team

  • John Hall (58yo)

    CEO, President

    • Tenure: 24.6yrs
    • Compensation: US$392.49k
  • Vic Toy (65yo)

    Senior VP & Corporate Secretary

    • Tenure: 11.5yrs
    • Compensation: US$247.40k
  • Carolyn Middleton (66yo)

    Chief Lending Officer of Rainier Pacific Bank and Vice President of Rainier Pacific Bank

    • Tenure: 0.0yrs
    • Compensation: US$182.15k
  • Sandra Steffeney (70yo)

    Vice President of Rainier Pacific Bank

    • Tenure: 0.0yrs
    • Compensation: US$418.47k
  • Richard Pickett (70yo)

    Vice President of Rainier Pacific Bank

    • Tenure: 15.5yrs
  • Waylin McCurley (44yo)

    Vice President of Rainier Pacific Bank

    • Tenure: 0.0yrs

Board Members

  • John Hall (58yo)

    CEO, President

    • Tenure: 24.6yrs
    • Compensation: US$392.49k
  • Stephen Bader (71yo)

    Director and Director of Rainier Pacific Savings Bank

    • Tenure: 23.6yrs
    • Compensation: US$36.63k
  • Vic Toy (65yo)

    Senior VP & Corporate Secretary

    • Tenure: 11.5yrs
    • Compensation: US$247.40k
  • Karyn Clarke (68yo)

    Director and Director of Rainier Pacific Savings Bank

    • Tenure: 21.6yrs
    • Compensation: US$32.78k
  • Edward Brooks (64yo)

    Chairman and Chairman of Rainier Pacific Savings Bank

    • Tenure: 27.6yrs
    • Compensation: US$53.59k
  • Charles Cuzzetto (65yo)

    Director

    • Tenure: 23.6yrs
    • Compensation: US$34.83k
  • Brian Knutson (75yo)

    Director and Director of Rainier Pacific Savings Bank

    • Tenure: 26.6yrs
    • Compensation: US$35.33k
  • Alfred Treleven (62yo)

    Director and Director of Rainier Pacific Savings Bank

    • Tenure: 22.6yrs
    • Compensation: US$29.98k
  • Bruce Valentine (56yo)

    Director and Director of Rainier Pacific Savings Bank

    • Tenure: 10.8yrs
    • Compensation: US$2.25k

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$6.000
  • 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  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/14 23:48
End of Day Share Price2019/05/17 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.