OTCPK:WNRP

Stock Analysis Report

West Suburban Bancorp

Executive Summary

West Suburban Bancorp, Inc. operates as the bank holding company for West Suburban Bank that provides retail and commercial banking products and services for individuals and businesses in Illinois.

Snowflake

Fundamentals

Adequate balance sheet and slightly overvalued.

Risks

  • West Suburban Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-0.8%

OTCPK:WNRP

-2.5%

US Banks

-0.7%

US Market


1 Year Return

-14.8%

OTCPK:WNRP

-14.2%

US Banks

-0.5%

US Market

WNRP matched the Banks industry (-14.2%) over the past year.

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


Share holder returns

WNRPIndustryMarket
7 Day-0.8%-2.5%-0.7%
30 Day0.02%-6.1%-3.0%
90 Day0.9%-3.8%0.9%
1 Year-12.6%-14.8%-11.8%-14.2%1.7%-0.5%
3 Year51.9%42.0%42.1%32.4%39.5%30.4%
5 Year99.8%80.9%53.3%36.7%54.1%37.0%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

13.72x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

West Suburban Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

West Suburban Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

West Suburban Bancorp is overvalued based on earnings compared to the US Banks industry average.

West Suburban Bancorp 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 West Suburban Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

West Suburban Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

8.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if West Suburban Bancorp is high growth as no revenue estimate data is available.

West Suburban Bancorp's earnings are expected to grow by 8.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare West Suburban Bancorp's revenue growth to the United States of America market average as no estimate data is available.

West Suburban Bancorp's earnings growth is positive but not above the United States of America market average.

West Suburban Bancorp'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 West Suburban Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has West Suburban Bancorp performed over the past 5 years?

11.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

West Suburban Bancorp's year on year earnings growth rate has been positive over the past 5 years.

West Suburban Bancorp's 1-year earnings growth exceeds its 5-year average (18.2% vs 11.8%)

West Suburban Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (18.2% vs 33.3%).


Return on Equity

West Suburban Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

West Suburban Bancorp 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 West Suburban Bancorp 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 West Suburban Bancorp'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

Information is not available.

Information is not available.


Financial Institutions Analysis

West Suburban Bancorp has an acceptable proportion of non-loan assets held.

West Suburban Bancorp has a low allowance for bad loans.

West Suburban Bancorp's liabilities are made up of primarily low risk sources of funding.

West Suburban Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at West Suburban Bancorp are broadly funded by customer deposits.

West Suburban Bancorp has a high level of bad loans (greater than 2%).


Next Steps

Dividend

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

2.35%

Current Dividend Yield


Dividend Yield and Payments Analysis

West Suburban Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

West Suburban Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

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

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.1x 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 West Suburban Bancorp's salary, the management and board of directors tenure and is there insider trading?

23.6yrs

Average management tenure


CEO

Kevin Acker (69yo)

26.6yrs

Tenure

US$369,344

Compensation

Mr. Kevin J. Acker has been Chairman and Chief Executive Officer of West Suburban BanCorp. Inc. since 1993 and its Director since 1986. Mr. Acker was Senior Vice President of Marketing of West Suburban Ban ...


Management Age and Tenure

23.6yrs

Average Tenure

62yo

Average Age

The average tenure for the West Suburban Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

25.6yrs

Average Tenure

66yo

Average Age

The average tenure for the West Suburban Bancorp 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

  • Glenn Mazade (62yo)

    Senior Vice President of Lending - West Suburban Bank

    • Tenure: 0.0yrs
  • Duane Debs (62yo)

    President & CFO

    • Tenure: 22.6yrs
    • Compensation: US$312.06k
  • George Ranstead

    Assistant Secretary to the Board & Treasurer

    • Tenure: 0.0yrs
  • Keith Acker (69yo)

    VP & COO

    • Tenure: 23.6yrs
    • Compensation: US$424.66k
  • Kevin Acker (69yo)

    Chairman & CEO

    • Tenure: 26.6yrs
    • Compensation: US$369.34k
  • Emily Lane (36yo)

    Secretary to the Board

    • Tenure: 0.0yrs
  • Steven Jennrich

    VP & Director of Information Technology - West Suburban Bank

    • Tenure: 0.0yrs

Board Members

  • Duane Debs (62yo)

    President & CFO

    • Tenure: 22.6yrs
    • Compensation: US$312.06k
  • John Williams

    Director of West Suburban Bank

    • Tenure: 0.0yrs
  • Peggy LoCicero (63yo)

    Director

    • Tenure: 25.6yrs
    • Compensation: US$18.00k
  • Charles Howard (67yo)

    Director

    • Tenure: 25.6yrs
    • Compensation: US$18.00k
  • David Bell (66yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$18.00k
  • Craig Acker

    Director of West Suburban Bank

    • Tenure: 0.0yrs
  • Kevin Acker (69yo)

    Chairman & CEO

    • Tenure: 26.6yrs
    • Compensation: US$369.34k
  • Keith Kotche

    Director of West Suburban Bank

    • Tenure: 0.0yrs
  • William Smith

    Director of West Suburban Bank

    • Tenure: 0.0yrs

Company Information

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


Key Information

  • Name: West Suburban Bancorp, Inc.
  • Ticker: WNRP
  • Exchange: OTCPK
  • Founded: 1962
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$248.140m
  • Shares outstanding: 410.08k
  • Website: https://www.westsuburbanbank.com

Number of Employees


Location

  • West Suburban Bancorp, Inc.
  • 711 South Westmore-Meyers Road
  • Lombard
  • Illinois
  • 60148
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WNRPOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2007

Biography

West Suburban Bancorp, Inc. operates as the bank holding company for West Suburban Bank that provides retail and commercial banking products and services for individuals and businesses in Illinois. The com ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 00:09
End of Day Share Price2019/08/16 00:00
Earnings2018/12/31
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.