OTCPK:WFCL

Stock Analysis Report

1867 Western Financial

Executive Summary

1867 Western Financial Corporation offers banking products and services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • No data on 1867 Western Financial's last earnings update.
  • 1867 Western Financial is not covered by any analysts.
  • No market cap data available for 1867 Western Financial.

Share Price & News

How has 1867 Western 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:WFCL

0.3%

US Banks

0.9%

US Market


1 Year Return

-5.6%

OTCPK:WFCL

-13.6%

US Banks

0.3%

US Market

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

WFCL underperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

WFCLIndustryMarket
7 Day0%0.3%0.9%
30 Day0%-5.1%-1.9%
90 Day0%-3.5%1.6%
1 Year-5.6%-5.6%-11.2%-13.6%2.6%0.3%
3 Year146.4%146.4%43.6%33.7%41.0%31.8%
5 Year198.2%198.2%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is 1867 Western Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is 1867 Western Financial 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 1867 Western Financial is trading at an attractive price based on the cash flow it is expected to produce in the future. But as 1867 Western Financial 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 WFCL’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 1867 Western Financial regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is 1867 Western Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

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 1867 Western Financial 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 WFCL’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 1867 Western Financial's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has 1867 Western Financial performed over the past 5 years?

0.2%

Historical Banks 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, 1867 Western Financial 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

Financial Health

How is 1867 Western Financial's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse 1867 Western Financial'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. 1867 Western Financial 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 WFCL’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 1867 Western Financial's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is 1867 Western Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate 1867 Western Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate 1867 Western Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as 1867 Western Financial has not reported any payouts.

Unable to verify if 1867 Western Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as 1867 Western Financial 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 1867 Western Financial's salary, the management and board of directors tenure and is there insider trading?

4.6yrs

Average board tenure


CEO

Douglass Eberhardt 0

0.8yrs

Tenure

0

Mr. Douglass M. Eberhardt, II serves as Chairman and Chief Executive Officer of Bank of Stockton and 1867 Western Financial Corporation since November 2018. Mr. Eberhardt served as Executive Vice President ...


Board Age and Tenure

4.6yrs

Average Tenure

The tenure for the 1867 Western Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Douglass Eberhardt

    Chairman

    • Tenure: 0.8yrs
  • John Dentoni

    VP & CFO

    • Tenure: 0.0yrs
  • Angela Brusa

    Chief Marketing Officer

    • Tenure: 0.0yrs
  • Daniel Fargo

    Senior Trust Officer

    • Tenure: 0.0yrs

Board Members

  • Mary Eberhardt-Sandstrom

    Director

    • Tenure: 0.0yrs
  • Thomas Shaffer

    Vice Chairman of the Board

    • Tenure: 4.6yrs
  • Bernard Caldwell

    Director

    • Tenure: 0.0yrs
  • Douglass Eberhardt

    Chairman

    • Tenure: 0.8yrs
  • Timothy Hachman

    Director

    • Tenure: 0.0yrs
  • Robert McHugh

    Director

    • Tenure: 0.0yrs
  • Philip Berolzheimer

    Director

    • Tenure: 0.0yrs
  • Gregory Bensch

    Director

    • Tenure: 4.6yrs

Company Information

1867 Western Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: 1867 Western Financial Corporation
  • Ticker: WFCL
  • Exchange: OTCPK
  • Founded: 1989
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.bankofstockton.com

Location

  • 1867 Western Financial Corporation
  • 301 East Miner Avenue
  • Stockton
  • California
  • 95202
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WFCLOTCPK (Pink Sheets LLC)YesCOMUSUSDApr 2012

Biography

1867 Western Financial Corporation offers banking products and services. The company offers demand deposits and interest and non-interest bearing time and savings deposits. The bank's deposits include jumb ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 00:26
End of Day Share Price2019/07/02 00:00
EarningsN/A
Annual EarningsN/A


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.