OTCPK:WTWB

Stock Analysis Report

Executive Summary

West Town Bancorp, Inc., together with its subsidiaries, provides personal and business banking services.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • West Town Bancorp is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:WTWB

0.3%

US Banks

0.9%

US Market


1 Year Return

-21.2%

OTCPK:WTWB

-13.6%

US Banks

0.3%

US Market

WTWB underperformed the Banks industry which returned -13.6% over the past year.

WTWB underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

WTWBIndustryMarket
7 Day0%0.3%0.9%
30 Day0.9%-5.1%-1.9%
90 Day0%-3.5%1.6%
1 Year-21.2%-21.2%-11.2%-13.6%2.6%0.3%
3 Year12.8%12.8%43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is West Town 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 Town Bancorp undervalued based on future cash flows and its price relative to the stock market?

7.5x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

West Town 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 Town Bancorp is good value based on earnings compared to the US Banks industry average.

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


Price Based on Value of Assets

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


Next Steps

Future Growth

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

5.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

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

West Town Bancorp's earnings are expected to grow by 5.9% yearly, however this is not considered high growth (20% yearly).

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

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

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


Next Steps

Past Performance

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

38.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

West Town Bancorp has delivered over 20% year on year earnings growth in the past 5 years.

West Town Bancorp's 1-year earnings growth is negative, it can't be compared to the 5-year average.

West Town Bancorp's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

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


Return on Assets

West Town Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if West Town 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 Town 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 Town Bancorp has an acceptable proportion of non-loan assets held.

West Town Bancorp has a sufficient allowance for bad loans.

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

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

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

West Town Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate West Town Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate West Town Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as West Town Bancorp has not reported any payouts.

Unable to verify if West Town Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as West Town Bancorp 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 West Town Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.6yrs

Average board tenure


CEO

Eric Bergevin (49yo)

3.6yrs

Tenure

0

Mr. Eric J. Bergevin serves as the Chief Executive Officer and President of West Town Bancorp, Inc. ("WTBI") and West Town Bank & Trust (“WTBT”), Director of Sound Bank ("Sound"). His prior experience incl ...


Board Age and Tenure

3.6yrs

Average Tenure

61yo

Average Age

The tenure for the West Town Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Kim Snyder (48yo)

    Chief Financial Officer

    • Tenure: 0.0yrs
  • Eric Bergevin (49yo)

    President & CEO

    • Tenure: 3.6yrs
  • Melissa Marsal

    Chief Operating Officer

    • Tenure: 3.6yrs
  • Phil Collins (56yo)

    Executive Vice President

    • Tenure: 0.0yrs

Board Members

  • Marc McConnell (40yo)

    Chairman of the Board

    • Tenure: 3.6yrs
  • Jim Kemp (75yo)

    Director

    • Tenure: 0.0yrs
  • Mal Garland (76yo)

    Director

    • Tenure: 2.6yrs
  • Randy Ramsey (56yo)

    Director

    • Tenure: 0.0yrs
  • Eric Bergevin (49yo)

    President & CEO

    • Tenure: 3.6yrs
  • Dolores Lare

    Director

    • Tenure: 2.6yrs
  • K. Wagaman (61yo)

    Director

    • Tenure: 0.0yrs
  • Jeff Moore (62yo)

    Director

    • Tenure: 0.0yrs
  • Joe Snyder

    Director

    • Tenure: 3.6yrs
  • Mike Coyle

    Director

    • Tenure: 0.0yrs

Company Information

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


Key Information

  • Name: West Town Bancorp, Inc.
  • Ticker: WTWB
  • Exchange: OTCPK
  • Founded: 1922
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$78.397m
  • Shares outstanding: 3.43m
  • Website: https://www.westtownbank.com

Location

  • West Town Bancorp, Inc.
  • 8450 Falls Of Neuse Road
  • Suite 102
  • Raleigh
  • North Carolina
  • 27615
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WTWBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2016

Biography

West Town Bancorp, Inc., together with its subsidiaries, provides personal and business banking services. The company’s personal banking products include checking, savings, and money market accounts; and p ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 01:00
End of Day Share Price2019/08/19 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.