OTCPK:SNNY

Stock Analysis Report

Executive Summary

Sunnyside Bancorp, Inc. operates as the bank holding company for Sunnyside Federal Savings and Loan Association of Irvington that provides various banking products and services in New York.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • Sunnyside Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

3.2%

OTCPK:SNNY

-1.2%

US Mortgage

-1.6%

US Market


1 Year Return

-10.3%

OTCPK:SNNY

-2.8%

US Mortgage

-3.0%

US Market

SNNY underperformed the Mortgage industry which returned -2.8% over the past year.

SNNY underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

SNNYIndustryMarket
7 Day3.2%-1.2%-1.6%
30 Day0%-3.3%-5.8%
90 Day0%-1.6%0.2%
1 Year-10.3%-10.3%-0.7%-2.8%-0.8%-3.0%
3 Year3.7%3.7%29.8%21.1%38.0%29.1%
5 Year29.4%29.4%55.3%39.0%50.8%34.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Sunnyside Bancorp undervalued based on future cash flows and its price relative to the stock market?

0.86x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Sunnyside Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Sunnyside Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Sunnyside Bancorp is loss making, we can't compare its value to the US Mortgage industry average.

Sunnyside Bancorp is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Sunnyside Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Sunnyside Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Sunnyside Bancorp 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 Sunnyside 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

Past Performance

How has Sunnyside Bancorp performed over the past 5 years?

-1.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Sunnyside Bancorp does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Sunnyside Bancorp's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Sunnyside Bancorp's 1-year growth to the US Mortgage industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Sunnyside Bancorp has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Sunnyside Bancorp has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Sunnyside Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Sunnyside Bancorp has an acceptable proportion of non-loan assets held.

Sunnyside Bancorp has a sufficient allowance for bad loans.

Sunnyside Bancorp's liabilities are made up of primarily low risk sources of funding.

Sunnyside Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Sunnyside Bancorp are broadly funded by customer deposits.

Sunnyside Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Sunnyside Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Sunnyside Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Sunnyside Bancorp has not reported any payouts.

Unable to verify if Sunnyside Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Sunnyside Bancorp 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 Sunnyside Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.4yrs

Average management tenure


CEO

Tim Sullivan (66yo)

6.4yrs

Tenure

US$242,656

Compensation

Mr. Timothy D. Sullivan has been President and Chief Executive Officer of Sunnyside Bancorp, Inc. and its subsidiary Sunnyside Federal Savings and Loan Association of Irvington since joining in January 200 ...


CEO Compensation Analysis

Tim's remuneration is lower than average for companies of similar size in United States of America.

Tim's compensation has increased whilst company is loss making.


Management Age and Tenure

6.4yrs

Average Tenure

55yo

Average Age

The average tenure for the Sunnyside Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

6.4yrs

Average Tenure

63yo

Average Age

The tenure for the Sunnyside Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Ed Lipkus (55yo)

    VP, Treasurer & CFO

    • Tenure: 5.3yrs
    • Compensation: US$151.15k
  • Geri Mirtuono (55yo)

    Senior VP

    • Tenure: 6.4yrs
    • Compensation: US$175.18k
  • Tim Sullivan (66yo)

    Chairman

    • Tenure: 6.4yrs
    • Compensation: US$242.66k
  • Julianne Maltbie

    Corporate Secretary

    • Tenure: 0.0yrs

Board Members

  • Walter Montgomery (73yo)

    Director

    • Tenure: 4.2yrs
    • Compensation: US$14.80k
  • William Boeckelman (73yo)

    Director

    • Tenure: 6.4yrs
    • Compensation: US$16.00k
  • Deborah Elliot (60yo)

    Director

    • Tenure: 6.4yrs
    • Compensation: US$15.60k
  • Desmond Lyons (52yo)

    Director

    • Tenure: 6.4yrs
    • Compensation: US$14.40k
  • Geri Mirtuono (55yo)

    Senior VP

    • Tenure: 6.4yrs
    • Compensation: US$175.18k
  • Tim Sullivan (66yo)

    Chairman

    • Tenure: 6.4yrs
    • Compensation: US$242.66k

Company Information

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


Key Information

  • Name: Sunnyside Bancorp, Inc.
  • Ticker: SNNY
  • Exchange: OTCPK
  • Founded: 1930
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$9.762m
  • Shares outstanding: 750.96k
  • Website: https://www.sunnysidefederal.com

Number of Employees


Location

  • Sunnyside Bancorp, Inc.
  • 56 Main Street
  • Irvington
  • New York
  • 10533
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SNNYOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2013

Biography

Sunnyside Bancorp, Inc. operates as the bank holding company for Sunnyside Federal Savings and Loan Association of Irvington that provides various banking products and services in New York. Its deposit pro ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 00:28
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.