OTCPK:SQCF

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Susquehanna Community Financial

Executive Summary

Susquehanna Community Financial, Inc. operates as the holding company for Susquehanna Community Bank and Susquehanna Financial Investment Corporation that provide various financial services to individuals and corporate customers.


Snowflake Analysis

Flawless balance sheet and fair value.


Similar Companies

Share Price & News

How has Susquehanna Community Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events

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


Market Performance


7 Day Return

-2.1%

SQCF

0.8%

US Banks

4.0%

US Market


1 Year Return

-4.3%

SQCF

-28.2%

US Banks

4.9%

US Market

Return vs Industry: SQCF exceeded the US Banks industry which returned -28.2% over the past year.

Return vs Market: SQCF underperformed the US Market which returned 5% over the past year.


Shareholder returns

SQCFIndustryMarket
7 Day-2.1%0.8%4.0%
30 Day-4.9%-12.3%1.3%
90 Day0.9%15.3%29.5%
1 Year0.01%-4.3%-25.7%-28.2%7.2%4.9%
3 Year-18.3%-27.5%-18.1%-24.7%36.1%27.2%
5 Year15.7%-4.2%8.8%-4.4%65.3%46.9%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Susquehanna Community Financial undervalued compared to its fair value and its price relative to the market?

40.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: SQCF ($16.65) is trading below our estimate of fair value ($28.01)

Significantly Below Fair Value: SQCF is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: SQCF is poor value based on its PE Ratio (9.7x) compared to the Banks industry average (9.4x).

PE vs Market: SQCF is good value based on its PE Ratio (9.7x) compared to the US market (16.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate SQCF's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: SQCF is overvalued based on its PB Ratio (1x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

21.1%

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 Susquehanna Community Financial 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

  • Examine whether Susquehanna Community Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • 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 Susquehanna Community Financial's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Susquehanna Community Financial performed over the past 5 years?

2.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SQCF has high quality earnings.

Growing Profit Margin: SQCF's current net profit margins (30.9%) are lower than last year (32.3%).


Past Earnings Growth Analysis

Earnings Trend: SQCF's earnings have grown by 2.3% per year over the past 5 years.

Accelerating Growth: SQCF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: SQCF had negative earnings growth (-1.1%) over the past year, making it difficult to compare to the Banks industry average (1.8%).


Return on Equity

High ROE: SQCF's Return on Equity (10.2%) is considered low.


Next Steps

Financial Health

How is Susquehanna Community Financial'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


Financial Institutions Analysis

Asset Level: SQCF's Assets to Equity ratio (9.2x) is low.

Allowance for Bad Loans: SQCF has a sufficient allowance for bad loans (404%).

Low Risk Liabilities: 91% of SQCF's liabilities are made up of primarily low risk sources of funding.

Loan Level: SQCF has an appropriate level of Loans to Assets ratio (55%).

Low Risk Deposits: SQCF's Loans to Deposits ratio (68%) is appropriate.

Level of Bad Loans: SQCF has an appropriate level of bad loans (0.3%).


Next Steps

Dividend

What is Susquehanna Community Financial current dividend yield, its reliability and sustainability?

4.80%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: SQCF's dividend (4.8%) is higher than the bottom 25% of dividend payers in the US market (1.67%).

High Dividend: SQCF's dividend (4.8%) is in the top 25% of dividend payers in the US market (4.5%)


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, SQCF has been paying a dividend for less than 10 years.

Growing Dividend: SQCF's dividend payments have increased, but the company has only paid a dividend for 6 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (46.5%), SQCF's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

13.5yrs

Average board tenure


CEO

David Runk (56yo)

8.92yrs

Tenure

Mr. David S. Runk serves as Chief Executive Officer and President at Susquehanna Community Financial, Inc. Mr. Runk served as Senior Risk Manager and Vice President of First National Bank of Mifflintown of ...


Board Members

NamePositionTenureCompensationOwnership
David Runk
President8.92yrsno datano data
William Kear
Secretary & Director17.5yrsno datano data
Christian Trate
Chairman of the Board8.5yrsno datano data
Richard Bowersox
Directorno datano datano data
Carl Pardoe
Director9.5yrsno datano data
Robert Brubaker
Director17.5yrsno datano data
Peter Matson
Director28yrsno datano data
Suzanne Stopper
Directorno datano datano data

13.5yrs

Average Tenure

68yo

Average Age

Experienced Board: SQCF's board of directors are seasoned and experienced ( 13.5 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

Susquehanna Community Financial, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Susquehanna Community Financial, Inc.
  • Ticker: SQCF
  • Exchange: OTCPK
  • Founded: 1920
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$48.393m
  • Shares outstanding: 2.91m
  • Website: https://www.scb.bank

Location

  • Susquehanna Community Financial, Inc.
  • 940 High Street
  • West Milton
  • Pennsylvania
  • 17886
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SQCFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1997

Biography

Susquehanna Community Financial, Inc. operates as the holding company for Susquehanna Community Bank and Susquehanna Financial Investment Corporation that provide various financial services to individuals and corporate customers. It accepts various deposit products, including checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as money market accounts. The company also offers commercial loans, including commercial and industrial, acquisition, construction and development, commercial real estate, and commercial construction loans; and consumer loans, such as residential mortgage loans, home equity loans, and other consumer loans. In addition, it provides lending solutions, such as personal lending; line of credit; agriculture; equipment loans; commercial real estate; and small business administration loans, including financing services for purchase or construction of real estate and/or business equipment, as well as debit and credit cards, online and mobile banking, and ATM services. Further, the company offers treasury management services, such as automated clearing house, remote deposit capture, positive pay, and merchant services. It operates through seven offices located in West Milton, Lewisburg, Mifflinburg, Watsontown, Beaver Springs, and Northumberland, Pennsylvania. The company was formerly known as West Milton Bancorp, Inc. and changed its name to Susquehanna Community Financial, Inc. in February 2016. Susquehanna Community Financial, Inc. was founded in 1920 and is based in West Milton, Pennsylvania. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/05 00:04
End of Day Share Price2020/07/01 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.