OTCPK:TMEB

Stock Analysis Report

Executive Summary

Terme Bancorp, Inc. is a holding company, which through its subsidiaries, provides financial services which includes mortgage brokerage, and global electronic money services to consumers by offering general-purpose reloadable (GPR) cards.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Terme Bancorp has significant price volatility in the past 3 months.
  • Terme Bancorp's last earnings update was 5282 days ago.
  • Terme Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:TMEB

-0.3%

US Mortgage

-1.0%

US Market


1 Year Return

n/a

OTCPK:TMEB

-0.7%

US Mortgage

-0.4%

US Market

No trading data on TMEB.

No trading data on TMEB.


Share holder returns

TMEBIndustryMarket
7 Day0%-0.3%-1.0%
30 Day87.5%-2.0%-3.3%
90 Day42.9%-1.0%0.8%
1 Yearn/a1.3%-0.7%1.9%-0.4%
3 Year-50.0%-50.0%33.4%24.5%39.4%30.4%
5 Year-88.5%-88.5%57.5%41.1%54.2%37.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


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

Future Growth

How is Terme Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.3%

Forecasted Mortgage 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 Terme 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 TMEB’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 the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Terme Bancorp's filings and announcements here.
  • Explore growth companies in the banks industry.

Past Performance

How has Terme Bancorp performed over the past 5 years?

16.3%

Historical Mortgage 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, Terme 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 Terme 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 Terme Bancorp's filings and announcements here.
  • Explore strong past performing companies in the banks industry.

Financial Health

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


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

Dividend

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


Dividend Yield and Payments Analysis

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

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

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


CEO

John Yedinak (69yo)

32.6yrs

Tenure

US$436,622

Compensation

Mr. John G. Yedinak serves as Chairman and he has been the Chief Executive Officer at Terme Bancorp, Inc since 1987. 


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • John Yedinak (69yo)

    Chairman & CEO

    • Tenure: 32.6yrs
    • Compensation: $436.62k

Board Members

  • John Yedinak (69yo)

    Chairman & CEO

    • Tenure: 32.6yrs
    • Compensation: $436.62k

Company Information

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


Key Information

  • Name: Terme Bancorp, Inc.
  • Ticker: TMEB
  • Exchange: OTCPK
  • Founded: 1987
  • Industry: thrifts and mortgage finance
  • Sector: banks
  • Market Cap: US$1.112m
  • Shares outstanding: 370.67m
  • Website: Click here

Location

  • Terme Bancorp, Inc.
  • 55 East Monroe Street
  • Chicago
  • Illinois
  • 60603-5713
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TMEBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1994

Biography

Terme Bancorp, Inc. is a holding company, which through its subsidiaries, provides financial services which includes mortgage brokerage, and global electronic money services to consumers by offering genera ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:46
End of Day Share Price2019/07/26 00:00
Earnings2004/12/31
Annual Earnings2004/12/31


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.