OTCPK:SQCF

Stock Analysis Report

Susquehanna Community Financial

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Susquehanna Community Financial is not covered by any analysts.

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


Market Performance


7 Day Return

1.1%

OTCPK:SQCF

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-11.6%

OTCPK:SQCF

-16.1%

US Banks

-3.0%

US Market

SQCF outperformed the Banks industry which returned -16.1% over the past year.

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


Share holder returns

SQCFIndustryMarket
7 Day1.1%-1.8%-1.6%
30 Day0%-10.1%-5.7%
90 Day11.8%-5.0%0.2%
1 Year-7.9%-11.6%-13.7%-16.1%-0.8%-3.0%
3 Year1.4%-9.1%37.9%28.5%38.1%29.1%
5 Year39.8%16.9%49.3%33.2%50.8%34.1%

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 based on future cash flows and its price relative to the stock market?

22%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Susquehanna Community Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).

Susquehanna Community Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Susquehanna Community Financial is good value based on earnings compared to the US Banks industry average.

Susquehanna Community Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Susquehanna Community Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Susquehanna Community Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

0.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Susquehanna Community Financial is high growth as no revenue estimate data is available.

Susquehanna Community Financial's earnings are expected to grow by 0.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Susquehanna Community Financial's revenue growth to the United States of America market average as no estimate data is available.

Susquehanna Community Financial's earnings growth is positive but not above the United States of America market average.

Susquehanna Community Financial's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Susquehanna Community Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

1.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Susquehanna Community Financial's year on year earnings growth rate has been positive over the past 5 years.

Susquehanna Community Financial's 1-year earnings growth is less than its 5-year average (1.3% vs 1.7%)

Susquehanna Community Financial's earnings growth has not exceeded the US Banks industry average in the past year (1.3% vs 33.1%).


Return on Equity

Susquehanna Community Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Susquehanna Community Financial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Susquehanna Community Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

Susquehanna Community Financial has an acceptable proportion of non-loan assets held.

Susquehanna Community Financial has a sufficient allowance for bad loans.

Susquehanna Community Financial's liabilities are made up of primarily low risk sources of funding.

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

Loans at Susquehanna Community Financial are broadly funded by customer deposits.

Susquehanna Community Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

4.00%

Current Dividend Yield


Dividend Yield and Payments Analysis

Susquehanna Community Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

Susquehanna Community Financial's dividend is above the markets top 25% of dividend payers in United States of America (3.93%).

Whilst dividend payments have been stable, Susquehanna Community Financial has been paying a dividend for less than 10 years.

Dividend payments have increased, but Susquehanna Community Financial only paid a dividend in the past 5 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.3x coverage).


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 Susquehanna Community Financial's salary, the management and board of directors tenure and is there insider trading?

16.6yrs

Average board tenure


CEO

David Runk (55yo)

8.0yrs

Tenure

0

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 Age and Tenure

16.6yrs

Average Tenure

67yo

Average Age

The average tenure for the Susquehanna Community Financial 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.


Ownership Breakdown


Management Team

  • David Runk (55yo)

    President

    • Tenure: 8.0yrs
  • Bill Kear (67yo)

    • Tenure: 16.6yrs
  • Trisha Shearer

    VP and Director of Marketing & Human Resource

    • Tenure: 0.0yrs
  • Rodney Smith

    Executive VP

    • Tenure: 21.6yrs
  • Jeff Hollenbach

    Executive VP

    • Tenure: 0.0yrs
  • William Weber

    VP, Operations & Technology Division Manager and Chief Information Officer

    • Tenure: 0.0yrs

Board Members

  • David Runk (55yo)

    President

    • Tenure: 8.0yrs
  • Christian Trate

    Chairman

    • Tenure: 0.0yrs
  • Richard Bowersox

    Director

    • Tenure: 0.0yrs
  • Bill Kear (67yo)

    • Tenure: 16.6yrs
  • Carl Pardoe

    Director

    • Tenure: 0.0yrs
  • Robert Brubaker

    Director

    • Tenure: 0.0yrs
  • Peter Matson (76yo)

    Director

    • Tenure: 27.1yrs

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: 1992
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$57.988m
  • Shares outstanding: 3.05m
  • 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 West Milton State Bank and Susquehanna Financial Investment Corporation that provide various financial services to individuals and  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:44
End of Day Share Price2019/08/21 00:00
Earnings2018/12/31
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.