OTCPK:USMT

Stock Analysis Report

Executive Summary

US Metro Bank provides banking services to commercial business and individual consumers.

Snowflake

Fundamentals

Adequate balance sheet and slightly overvalued.

Risks

  • US Metro Bank is not covered by any analysts.

Similar Companies

Share Price & News

How has US Metro Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.4%

OTCPK:USMT

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-10.8%

OTCPK:USMT

-14.2%

US Banks

-0.4%

US Market

USMT outperformed the Banks industry which returned -14.2% over the past year.

USMT underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

USMTIndustryMarket
7 Day-1.4%-2.6%-1.0%
30 Day-0.8%-6.3%-3.3%
90 Dayn/a-3.5%0.8%
1 Year-10.8%-10.8%-11.8%-14.2%1.9%-0.4%
3 Yearn/a42.2%32.4%39.4%30.4%
5 Year81.0%81.0%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is US Metro Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is US Metro Bank undervalued based on future cash flows and its price relative to the stock market?

15.26x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for US Metro Bank to establish if it is available at moderate discount.

Unable to calculate intrinsic value for US Metro Bank to establish if it is available at substantial discount.


Price Based on Earnings

US Metro Bank is overvalued based on earnings compared to the US Banks industry average.

US Metro Bank 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 US Metro Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

US Metro Bank is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is US Metro Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

12.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if US Metro Bank is high growth as no revenue estimate data is available.

US Metro Bank's earnings are expected to grow by 12.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare US Metro Bank's revenue growth to the United States of America market average as no estimate data is available.

US Metro Bank's earnings growth is positive but not above the United States of America market average.

US Metro Bank'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 US Metro Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has US Metro Bank performed over the past 5 years?

11.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

US Metro Bank's year on year earnings growth rate has been positive over the past 5 years.

US Metro Bank's 1-year earnings growth exceeds its 5-year average (14.8% vs 11%)

US Metro Bank's earnings growth has not exceeded the US Banks industry average in the past year (14.8% vs 33.2%).


Return on Equity

US Metro Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

US Metro Bank 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 US Metro Bank 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 US Metro Bank'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

US Metro Bank has an acceptable proportion of non-loan assets held.

Unable to establish if US Metro Bank has a sufficient allowance for bad loans without relevant financial data.

US Metro Bank's liabilities are made up of primarily low risk sources of funding.

US Metro Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at US Metro Bank are broadly funded by customer deposits.

Unable to establish if US Metro Bank has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is US Metro Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

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

Unable to evaluate US Metro Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as US Metro Bank has not reported any payouts.

Unable to verify if US Metro Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as US Metro Bank 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 US Metro Bank's salary, the management and board of directors tenure and is there insider trading?

1.7yrs

Average management tenure


CEO

Dong Kim (65yo)

5.8yrs

Tenure

US$294,098

Compensation

Mr. Dong II Kim serves as the Chief Executive Officer at Saehan Bancorp. Mr. Kim served as Chief Executive Officer and President of Saehan Bank since October 22, 2010. Mr. Kim served as Senior Vice Preside ...


CEO Compensation Analysis

Insufficient data for Dong to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Dong's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.7yrs

Average Tenure

The average tenure for the US Metro Bank management team is less than 2 years, this suggests a new team.


Board Age and Tenure

2.3yrs

Average Tenure

61yo

Average Age

The average tenure for the US Metro Bank board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Dong Kim (65yo)

    President

    • Tenure: 5.8yrs
    • Compensation: $294.10k
  • Jin Kim

    Chief Credit Officer & Executive VP

  • Ralph Wiita

    Executive VP & CFO

    • Tenure: 2.6yrs
  • Emy Garcia

    Executive VP & Chief Risk Officer

    • Tenure: 0.8yrs
  • Abraham Park

    Executive VP & Chief Lending Officer

    • Tenure: 0.8yrs

Board Members

  • Ho Gang (55yo)

    Director

    • Compensation: $25.93k
  • Arthur Lee (60yo)

    Director

    • Tenure: 4.8yrs
    • Compensation: $14.36k
  • Wonho Chun (58yo)

    Director

    • Tenure: 5.6yrs
    • Compensation: $23.30k
  • Dong Kim (65yo)

    President

    • Tenure: 5.8yrs
    • Compensation: $294.10k
  • Faiez Ennabe (61yo)

    Director

    • Tenure: 3.8yrs
    • Compensation: $5.00k
  • Stewart Kim

    Director

    • Tenure: 0.6yrs
  • Leonard Rushfield (77yo)

    Vice Chairman of the Board

    • Tenure: 0.8yrs
    • Compensation: $30.00k
  • Dongwook Yi

    Director

    • Tenure: 0.6yrs
  • Austin Park (62yo)

    Chairman of the Board

    • Tenure: 0.8yrs
    • Compensation: $17.12k

Company Information

US Metro Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: US Metro Bank
  • Ticker: USMT
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$58.753m
  • Shares outstanding: 16.23m
  • Website: Click here

Location

  • US Metro Bank
  • 9866 Garden Grove Boulevard
  • Garden Grove
  • California
  • 92844
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
USMTOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJan 2007

Biography

US Metro Bank provides banking services to commercial business and individual consumers. The company offers checking, savings, money market, and certificate of deposit accounts, as well as treasury managem ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 00:09
End of Day Share Price2019/08/15 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.