OTCPK:TWCF

Stock Analysis Report

Town and Country Financial

Executive Summary

Town and Country Financial Corporation operates as a bank holding company for Town and Country Bank that provides a range of banking and financial services to individuals, organizations, and businesses in central and metro-east areas of Illinois.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Town and Country Financial is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:TWCF

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-3.3%

OTCPK:TWCF

-14.2%

US Banks

-0.4%

US Market

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

TWCF underperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

TWCFIndustryMarket
7 Day0%-2.6%-1.0%
30 Day4.8%-5.5%-3.3%
90 Day5.4%-3.5%0.4%
1 Year-2.4%-3.3%-11.8%-14.2%1.8%-0.4%
3 Year48.3%44.7%42.2%32.4%39.4%30.4%
5 Year97.6%89.0%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

Is Town and Country Financial undervalued based on future cash flows and its price relative to the stock market?

8.29x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Town and Country Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Town and Country Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Town and Country Financial is good value based on earnings compared to the US Banks industry average.

Town and Country 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 Town and Country Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Town and Country Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Town and Country Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Town and Country Financial is high growth as no revenue estimate data is available.

Town and Country Financial's earnings are expected to grow by 4.6% yearly, however this is not considered high growth (20% yearly).

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

Town and Country Financial's earnings growth is positive but not above the United States of America market average.

Town and Country Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

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


Next Steps

Past Performance

How has Town and Country Financial performed over the past 5 years?

18.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Town and Country Financial's year on year earnings growth rate has been positive over the past 5 years.

Town and Country Financial's 1-year earnings growth exceeds its 5-year average (24.8% vs 18.5%)

Town and Country Financial's earnings growth has not exceeded the US Banks industry average in the past year (24.8% vs 33.2%).


Return on Equity

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


Return on Assets

Town and Country Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Town and Country 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 Town and Country 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

Town and Country Financial has an acceptable proportion of non-loan assets held.

Town and Country Financial has a sufficient allowance for bad loans.

Town and Country Financial's liabilities are made up of primarily low risk sources of funding.

Town and Country Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Town and Country Financial are broadly funded by customer deposits.

Town and Country Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Town and Country Financial's current dividend yield, its reliability and sustainability?

0.95%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Town and Country Financial before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Town and Country Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Town and Country Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

No dividend growth in 10 years.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (25.3x 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 Town and Country Financial's salary, the management and board of directors tenure and is there insider trading?

2.5yrs

Average management tenure


CEO

Micah Bartlett (46yo)

8.6yrs

Tenure

Mr. Micah R. Bartlett has been the Chief Executive Officer of Town and Country Financial Corp. since January 29, 2011. He has been the President of Town and Country Financial Corporation since January 2008 ...


Management Age and Tenure

2.5yrs

Average Tenure

The tenure for the Town and Country Financial management team is about average.


Board Age and Tenure

18.6yrs

Average Tenure

The average tenure for the Town and Country 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 Rutledge

    Executive VP & Community Bank President

    • Tenure: 1.8yrs
  • Dana Dow

    Chief Operating Officer

  • Joe Pauk

    Executive Vice President of Operations & Technology

  • Kellie Henke

    Executive VP & Community Bank President

    • Tenure: 2.5yrs
  • Jason Barth

    Executive Vice President of Talent

    • Tenure: 8.2yrs
  • Grant Franklin

    Chief Sales Officer

  • Kent Weber

    Executive VP & Community Bank President

    • Tenure: 2.5yrs
  • Doug Cheatham (62yo)

    Chief Financial Officer

  • Micah Bartlett (46yo)

    President

    • Tenure: 8.6yrs
  • David Kirschner

    Executive Chairman of the Board


Board Members

  • Micah Bartlett (46yo)

    President

    • Tenure: 12.6yrs
  • J. Moore

    Chairman

  • David Kirschner

    Executive Chairman of the Board

    • Tenure: 18.6yrs
  • Lou Dixon

    Director

    • Tenure: 19.6yrs
  • John Cobb

    Director

    • Tenure: 19.6yrs
  • Mark Roberts

    Director

    • Tenure: 26.6yrs
  • Don Evans

    Director

    • Tenure: 8.8yrs
  • Bart Solon

    Director

    • Tenure: 3.5yrs

Company Information

Town and Country Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Town and Country Financial Corporation
  • Ticker: TWCF
  • Exchange: OTCPK
  • Founded: 1962
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$59.703m
  • Shares outstanding: 2.85m
  • Website: Click here

Number of Employees


Location

  • Town and Country Financial Corporation
  • 3601 West Wabash Avenue
  • Springfield
  • Illinois
  • 62711
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TWCFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 1993

Biography

Town and Country Financial Corporation operates as a bank holding company for Town and Country Bank that provides a range of banking and financial services to individuals, organizations, and businesses in  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/16 23:56
End of Day Share Price2019/08/09 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.