OTCPK:TBBA

Stock Analysis Report

Executive Summary

TEB Bancorp, Inc. operates as the holding company for The Equitable Bank, S.S.B.

Snowflake

Fundamentals

Adequate balance sheet with weak fundamentals.

Risks

  • TEB Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.3%

OTCPK:TBBA

1.2%

US Mortgage

0.9%

US Market


1 Year Return

n/a

OTCPK:TBBA

-0.3%

US Mortgage

0.3%

US Market

No trading data on TBBA.

No trading data on TBBA.


Share holder returns

TBBAIndustryMarket
7 Day-0.3%1.2%0.9%
30 Day-6.9%-1.2%-1.9%
90 Day-9.9%-0.5%1.6%
1 Yearn/a1.8%-0.3%2.6%0.3%
3 Yearn/a33.8%24.8%41.0%31.8%
5 Yearn/a59.0%42.3%55.2%38.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

1.57x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

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

TEB 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 TEB Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

TEB Bancorp is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is TEB 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 TEB 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

  • Examine TEB Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  • 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 TEB Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has TEB Bancorp performed over the past 5 years?

-87.9%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

TEB Bancorp does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.

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

Unable to compare TEB 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 TEB 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 TEB 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 TEB 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 TEB 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

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

TEB Bancorp has a low allowance for bad loans.

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

TEB Bancorp's level of assets compared to its equity is very high (i.e. bank has borrowed heavily to fund lending).

Loans at TEB Bancorp are broadly funded by customer deposits.

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


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

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

Unable to evaluate TEB 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 TEB Bancorp has not reported any payouts.

Unable to verify if TEB 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 TEB 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 TEB Bancorp's salary, the management and board of directors tenure and is there insider trading?

6.0yrs

Average management tenure


CEO

John Matter (67yo)

15.6yrs

Tenure

US$343,988

Compensation

Mr. John P. Matter has been Chairman and Chief Executive Officer of TEB Bancorp Inc (MHC) and The Equitable Bank, S.S.B. since July 30, 2019 and 2004 respectively. He served as President at TEB Bancorp, In ...


CEO Compensation Analysis

John's remuneration is about average for companies of similar size in United States of America.

Insufficient data for John to compare compensation growth.


Management Age and Tenure

6.0yrs

Average Tenure

60yo

Average Age

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


Board Age and Tenure

22.1yrs

Average Tenure

70yo

Average Age

The average tenure for the TEB Bancorp 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

  • John Matter (67yo)

    Chairman & CEO

    • Tenure: 15.6yrs
    • Compensation: US$343.99k
  • Tom Sattler

    Senior Vice President of Sales & Marketing

    • Tenure: 0.0yrs
  • Dalynn Cato

    Assistant VP

    • Tenure: 6.5yrs
  • Mary Jasinski

    Assistant VP & Treasurer

    • Tenure: 0.0yrs
  • William Behm (39yo)

    VP & Chief Credit Officer

    • Tenure: 5.6yrs
    • Compensation: US$124.53k
  • Jennifer Provancher (60yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$266.87k

Board Members

  • Charles Pittelkow (80yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$83.09k
  • John Matter (67yo)

    Chairman & CEO

    • Tenure: 15.6yrs
    • Compensation: US$343.99k
  • Joe Becker (73yo)

    Director

    • Tenure: 28.6yrs
  • Christopher Conlon (65yo)

    Director

    • Tenure: 17.6yrs
  • Jennifer Provancher (60yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$266.87k
  • Otto Radke (81yo)

    Director

    • Tenure: 26.6yrs

Company Information

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


Key Information

  • Name: TEB Bancorp, Inc
  • Ticker: TBBA
  • Exchange: OTCPK
  • Founded: 1927
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$21.992m
  • Shares outstanding: 2.62m
  • Website: https://www.tebbancorp.com

Number of Employees


Location

  • TEB Bancorp, Inc
  • 2290 North Mayfair Road
  • Wauwatosa
  • Wisconsin
  • 53226
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TBBAOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2019

Biography

TEB Bancorp, Inc. operates as the holding company for The Equitable Bank, S.S.B. that offers a range of financial services in primarily in the Metropolitan Milwaukee area, southeastern Wisconsin. The compa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 01:03
End of Day Share Price2019/08/16 00:00
Earnings2019/03/31
Annual Earnings2018/06/30


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.