1867 Western Financial (OTCPK:WFCL) - Share price, News & Analysis

WFCL fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	0/6

WFCL Stock Overview

1867 Western Financial Corporation operates as the bank holding company for Bank of Stockton that provides various banking products and services.

Risk Analysis

Shares are highly illiquid

Has not reported any financial data

Does not have a meaningful market cap ($0)

1867 Western Financial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for 1867 Western Financial
Historical stock prices
Current Share Price	US$8,000.00
52 Week High	US$9,450.00
52 Week Low	US$7,958.00
Beta	0
1 Month Change	-1.23%
3 Month Change	n/a
1 Year Change	-5.88%
3 Year Change	-5.88%
5 Year Change	75.44%
Change since IPO	216.83%

Shareholder Returns

	WFCL	US Banks	US Market
7D	0%	-1.5%	-2.7%
1Y	-5.9%	-19.9%	-12.9%

Return vs Industry: WFCL exceeded the US Banks industry which returned -19.9% over the past year.

Return vs Market: WFCL exceeded the US Market which returned -12.9% over the past year.

Price Volatility

Is WFCL's price volatile compared to industry and market?
WFCL volatility
WFCL Average Weekly Movement	n/a
Banks Industry Average Movement	4.0%
Market Average Movement	7.8%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	2.9%

Stable Share Price: Insufficient data to determine WFCL's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine WFCL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1989	n/a	Douglass Eberhardt	https://www.bankofstockton.com

1867 Western Financial Corporation operates as the bank holding company for Bank of Stockton that provides various banking products and services. It offers checking, savings, and money market accounts; certificates of deposit; and debit and credit cards. The company also provides home, vehicle, personal, term, real estate, and agricultural loans; and construction lending, home equity lines of credit, revolving lines of credit, home refinancing, and overdraft protection services.

1867 Western Financial Fundamentals Summary

How do 1867 Western Financial's earnings and revenue compare to its market cap?
WFCL fundamental statistics
Market Cap	n/a
Earnings (TTM)	US$0
Revenue (TTM)	n/a

n/a

P/E Ratio

n/a

P/S Ratio

Is WFCL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
WFCL income statement (TTM)
Revenue	US$0
Cost of Revenue	US$0
Gross Profit	US$0
Other Expenses	US$0
Earnings	US$0

Last Reported Earnings

n/a

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did WFCL perform over the long term?

See historical performance and comparison

Valuation

Is 1867 Western Financial undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry

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.

Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

10.1%

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.

Past Performance

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

Past Performance Score

0/6

Past Performance Score 0/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

15.9%

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.

Financial Health

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

Financial Health Score

0/6

Financial Health Score 0/6

Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans

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.

Dividend

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

Dividend Score

0/6

Dividend Score 0/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate WFCL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate WFCL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if WFCL's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if WFCL's dividend payments have been increasing.

Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of WFCL's dividend in 3 years as they are not forecast to pay a notable one for the US market.

Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

3.5yrs

Average board tenure

CEO

Douglass Eberhardt

7.33yrs

Tenure

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 serves as president of 1867 Wester...

Board Members

Experienced Board: WFCL's board of directors are considered experienced (3.5 years average tenure).

Ownership

Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.

Data	Last Updated (UTC time)
Company Analysis	2022/05/21 00:00
End of Day Share Price	2022/04/27 00:00
Earnings	N/A
Annual Earnings	N/A