OTCPK:SDGB

Stock Analysis Report

Executive Summary

SSNB, Inc. operates as a holding company for Standing Stone Bank that provides various banking products and services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

SDGB

3.7%

US Banks

1.8%

US Market


1 Year Return

n/a

SDGB

1.9%

US Banks

7.3%

US Market

Return vs Industry: Insufficient data to determine how SDGB performed against the US Banks industry.

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


Shareholder returns

SDGBIndustryMarket
7 Day0%3.7%1.8%
30 Day9.5%0.2%-0.7%
90 Day9.5%2.5%0.06%
1 Yearn/a4.9%1.9%9.7%7.3%
3 Year29.2%24.0%51.7%41.2%46.3%36.9%
5 Yearn/a69.7%51.2%64.5%46.5%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


In this section, we usually try to help investors determine whether SSNB is trading at an attractive price based on the cash flow it is expected to produce in the future. But as SSNB 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 SDGB’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 SSNB regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

1.0%

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 SSNB 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 SDGB’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 SSNB's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has SSNB performed over the past 5 years?

15.5%

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, SSNB 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

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at SSNB's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • 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 SSNB's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is SSNB's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse SSNB'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. SSNB 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 SDGB’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 SSNB's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

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

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

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

3.7yrs

Average board tenure


CEO

Jeff Beard 0

0yrs

Tenure

0

Mr. Jeffrey L. Beard serves as Chief Executive Officer, President and Director at SSNB, Inc. and Standing Stone Bank. Mr. Beard began his career in public accounting auditing banks and other financial in ...


Board Age and Tenure

3.7yrs

Average Tenure

Experienced Board: SDGB's board of directors are considered experienced (3.7 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.


Management Team

  • Martá Brown

    Treasurer

    • Tenure: 0yrs
  • Karen Davis

    Administrative Officer & Corporate Secretary

    • Tenure: 0yrs
  • Jeff Beard

    President

    • Tenure: 0yrs

Board Members

  • Cathy Bitler

    Director

    • Tenure: 3.7yrs
  • Barry Ritchey

    Director

    • Tenure: 0yrs
  • Matt Claypool

    Director

    • Tenure: 2.8yrs
  • Robert Swinehart

    Director

    • Tenure: 0yrs
  • Robert Ritchlin

    Director

    • Tenure: 0yrs
  • Kent Swinehart

    Chairman of the Board

    • Tenure: 3.8yrs
  • James Fox

    Director

    • Tenure: 0yrs
  • John Herron

    Director

    • Tenure: 0yrs
  • Diane Stuckey

    Director

    • Tenure: 0yrs
  • Jeff Beard

    President

    • Tenure: 0yrs

Company Information

SSNB Inc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SSNB Inc
  • Ticker: SDGB
  • Exchange: OTCPK
  • Founded: 1989
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.standingstonebank.com

Location

  • SSNB Inc
  • 137 West Wheeling Street
  • Lancaster
  • Ohio
  • 43130
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SDGBOTCPK (Pink Sheets LLC)YesCOMUSUSDOct 2006

Biography

SSNB, Inc. operates as a holding company for Standing Stone Bank that provides various banking products and services. It offers personal and business checking and savings products, and certificates of depo ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/18 00:02
End of Day Share Price2019/09/23 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.