OTCPK:SFBK

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Executive Summary

SFB Bancorp, Inc., through with its subsidiary, Security Federal Bank, provides various financial products and services in Tennessee.


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: SFBK has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-12.0%

SFBK

12.9%

US Mortgage

1.2%

US Market


1 Year Return

-12.3%

SFBK

-16.2%

US Mortgage

16.8%

US Market

Return vs Industry: SFBK exceeded the US Mortgage industry which returned -17.4% over the past year.

Return vs Market: SFBK underperformed the US Market which returned 16.4% over the past year.


Shareholder returns

SFBKIndustryMarket
7 Day-12.0%12.9%1.2%
30 Day-12.7%-1.4%4.9%
90 Dayn/a45.3%20.0%
1 Year-10.8%-12.3%-14.0%-16.2%19.3%16.8%
3 Year-12.3%-17.7%-1.3%-8.3%43.7%34.4%
5 Year-4.5%-15.2%10.3%-1.8%75.5%56.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


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

Future Growth

How is SFB Bancorp 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


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 SFB Bancorp 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 SFBK’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 theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access SFB Bancorp's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

How has SFB Bancorp performed over the past 5 years?

16.8%

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, SFB Bancorp 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 SFB Bancorp'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 SFB Bancorp's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

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


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

Dividend

What is SFB Bancorp current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

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


Stability and Growth of Payments

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

Growing Dividend: Insufficient data to determine if SFBK'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 SFBK'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?

7.6yrs

Average board tenure


CEO

Bill Hampton (70 yo)

9.58yrs

Tenure

Mr. Peter W. Hampton, Jr. also known as Bill, has been a Member of the Boards of Directors of Security Federal Bank (the “Bank”) and SFB Bancorp, Inc. (the “Company”) since 1994. He has been Chairman of th ...


Board Members

NamePositionTenureCompensationOwnership
Peter Hampton
Chairman9.58yrsno datano data
Frank Newman
Vice Chairman of the Board10.5yrsno datano data
Carmella Price
Director7.58yrsno datano data
Harriette Hampton
Director4.58yrsno datano data
Earl Booze
Director3.58yrsno datano data

7.6yrs

Average Tenure

70yo

Average Age

Experienced Board: SFBK's board of directors are considered experienced (7.6 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: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

SFB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SFB Bancorp, Inc.
  • Ticker: SFBK
  • Exchange: OTCPK
  • Founded: 1963
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$6.688m
  • Shares outstanding: 252.36k
  • Website: https://www.secfed.com

Location

  • SFB Bancorp, Inc.
  • 632 East Elk Avenue
  • Elizabethton
  • Tennessee
  • 37643
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SFBKOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 1997

Biography

SFB Bancorp, Inc., through with its subsidiary, Security Federal Bank, provides various financial products and services in Tennessee. The company offers no interest, budget, and NOW-interest bearing checki ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/10 23:41
End of Day Share Price2020/08/10 00:00
Earnings2016/12/31
Annual Earnings2016/12/31


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.