OTCPK:WNRP

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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 Analysis

Excellent balance sheet and good value.


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

Stable Share Price: WNRP has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-1.6%

WNRP

0.06%

US Banks

2.6%

US Market


1 Year Return

-37.5%

WNRP

-22.0%

US Banks

15.4%

US Market

Return vs Industry: WNRP underperformed the US Banks industry which returned -22.7% over the past year.

Return vs Market: WNRP underperformed the US Market which returned 16.2% over the past year.


Shareholder returns

WNRPIndustryMarket
7 Day-1.6%0.06%2.6%
30 Day-4.2%4.5%6.1%
90 Day-8.2%5.4%16.6%
1 Year-35.9%-37.5%-19.3%-22.0%17.8%15.4%
3 Year-32.0%-36.6%-12.6%-19.6%43.9%34.7%
5 Year11.7%-0.3%11.9%-1.6%76.2%57.3%

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 compared to its fair value and its price relative to the market?

28.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: WNRP ($381) is trading below our estimate of fair value ($534.33)

Significantly Below Fair Value: WNRP is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: WNRP is poor value based on its PE Ratio (10x) compared to the US Banks industry average (9.6x).

PE vs Market: WNRP is good value based on its PE Ratio (10x) compared to the US market (18.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate WNRP's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: WNRP is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

26.8%

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 West Suburban Bancorp 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

  • Examine whether West Suburban Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access West Suburban Bancorp's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

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

4.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: WNRP has high quality earnings.

Growing Profit Margin: WNRP's current net profit margins (19.5%) are lower than last year (23%).


Past Earnings Growth Analysis

Earnings Trend: WNRP's earnings have grown by 4.1% per year over the past 5 years.

Accelerating Growth: WNRP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: WNRP had negative earnings growth (-14.7%) over the past year, making it difficult to compare to the Banks industry average (-3%).


Return on Equity

High ROE: WNRP's Return on Equity (6.7%) is considered low.


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


Financial Institutions Analysis

Asset Level: WNRP's Assets to Equity ratio (10x) is low.

Allowance for Bad Loans: WNRP has a low allowance for bad loans (87%).

Low Risk Liabilities: 99% of WNRP's liabilities are made up of primarily low risk sources of funding.

Loan Level: WNRP has an appropriate level of Loans to Assets ratio (53%).

Low Risk Deposits: WNRP's Loans to Deposits ratio (59%) is appropriate.

Level of Bad Loans: WNRP has an appropriate level of bad loans (1.3%).


Next Steps

Dividend

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

4.20%

Current Dividend Yield


Upcoming Dividend Payment


Dividend Yield vs Market

Notable Dividend: WNRP's dividend (4.2%) is higher than the bottom 25% of dividend payers in the US market (1.65%).

High Dividend: WNRP's dividend (4.2%) is low compared to the top 25% of dividend payers in the US market (4.48%).


Stability and Growth of Payments

Stable Dividend: WNRP's dividend payments have been volatile in the past 10 years.

Growing Dividend: WNRP's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (41.9%), WNRP's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

24.6yrs

Average management tenure


CEO

Kevin Acker (70 yo)

27.58yrs

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 is Senior Vice President of Marketing of West Suburban Bank ...


Leadership Team

NamePositionTenureCompensationOwnership
Kevin Acker
Chairman & CEO27.58yrsUS$369.34kno data
Duane Debs
President23.58yrsUS$312.06kno data
Keith Acker
VP & COO24.58yrsUS$424.66kno data
George Ranstead
Secretary to the Board & Treasurerno datano datano data
Glenn Mazade
Senior Vice President of Lending - West Suburban Bankno datano datano data

24.6yrs

Average Tenure

66.5yo

Average Age

Experienced Management: WNRP's management team is seasoned and experienced (24.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Kevin Acker
Chairman & CEO27.58yrsUS$369.34kno data
Duane Debs
President23.58yrsUS$312.06kno data
Peggy LoCicero
Independent Director26.58yrsUS$18.00kno data
Charles Howard
Independent Director26.58yrsUS$18.00kno data
David Bell
Independent Director25.58yrsUS$18.00kno data
Craig Acker
Director of West Suburban Bankno datano datano data
Keith Kotche
Director of West Suburban Bankno datano datano data

26.6yrs

Average Tenure

67yo

Average Age

Experienced Board: WNRP's board of directors are seasoned and experienced ( 26.6 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: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$156.030m
  • Shares outstanding: 402.14k
  • 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 Analysis2020/08/06 00:29
End of Day Share Price2020/08/05 00:00
Earnings2019/12/31
Annual Earnings2019/12/31


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.