OTCPK:YRKB

Stock Analysis Report

York Traditions Bank

Executive Summary

York Traditions Bank, a community bank, provides commercial and consumer banking services in the Central Pennsylvania market.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • York Traditions Bank is not covered by any analysts.

Similar Companies

Share Price & News

How has York Traditions Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-5.1%

OTCPK:YRKB

-2.6%

US Banks

-1.0%

US Market


1 Year Return

1.0%

OTCPK:YRKB

-14.2%

US Banks

-0.4%

US Market

YRKB outperformed the Banks industry which returned -16.1% over the past year.

YRKB outperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

YRKBIndustryMarket
7 Day-5.1%-2.6%-1.0%
30 Day-5.5%-5.5%-3.3%
90 Day4.2%-3.5%0.4%
1 Year1.0%1.0%-11.8%-14.2%1.8%-0.4%
3 Year61.6%61.6%42.2%32.4%39.4%30.4%
5 Year88.6%88.6%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is York Traditions Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is York Traditions Bank undervalued based on future cash flows and its price relative to the stock market?

11x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

York Traditions Bank is good value based on earnings compared to the US Banks industry average.

York Traditions Bank 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 York Traditions Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

York Traditions Bank is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is York Traditions Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if York Traditions Bank is high growth as no revenue estimate data is available.

York Traditions Bank's earnings are expected to grow by 8.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare York Traditions Bank's revenue growth to the United States of America market average as no estimate data is available.

York Traditions Bank's earnings growth is positive but not above the United States of America market average.

York Traditions Bank'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 York Traditions Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has York Traditions Bank performed over the past 5 years?

23.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

York Traditions Bank has delivered over 20% year on year earnings growth in the past 5 years.

York Traditions Bank's 1-year earnings growth is less than its 5-year average (18.9% vs 23%)

York Traditions Bank's earnings growth has not exceeded the US Banks industry average in the past year (18.9% vs 33.2%).


Return on Equity

York Traditions Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

York Traditions Bank 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 York Traditions Bank 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 York Traditions Bank'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

York Traditions Bank has an acceptable proportion of non-loan assets held.

York Traditions Bank has a sufficient allowance for bad loans.

York Traditions Bank's liabilities are made up of primarily low risk sources of funding.

York Traditions Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at York Traditions Bank are broadly funded by customer deposits.

York Traditions Bank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is York Traditions Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate York Traditions Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate York Traditions Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as York Traditions Bank has not reported any payouts.

Unable to verify if York Traditions Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as York Traditions Bank 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 York Traditions Bank's salary, the management and board of directors tenure and is there insider trading?

2.5yrs

Average management tenure


CEO

Gene Draganosky (55yo)

2.6yrs

Tenure

US$322,902

Compensation

Mr. Eugene J. Draganosky, also known as Gene, has been the President of York Traditions Bank since April 1, 2015 and its the Chief Executive Officer since January 1, 2017. Mr. Draganosky served as Managing ...


CEO Compensation Analysis

Gene's remuneration is lower than average for companies of similar size in United States of America.

Gene's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

2.5yrs

Average Tenure

55yo

Average Age

The tenure for the York Traditions Bank management team is about average.


Board Age and Tenure

17.6yrs

Average Tenure

61yo

Average Age

The average tenure for the York Traditions Bank 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

  • John Blecher (58yo)

    Founder

    • Compensation: $231.31k
  • J. Poliski (54yo)

    Chief Credit Officer

    • Tenure: 2.8yrs
  • Gene Draganosky (55yo)

    President

    • Tenure: 2.6yrs
    • Compensation: $322.90k
  • Brad Willow (55yo)

    Managing Director of Personal & Signature Banking

    • Tenure: 2.4yrs
  • Patti Martin

    Director of Human Resources & Organization Development

    • Tenure: 0.2yrs
  • Teresa Gregory (51yo)

    President of Traditions Mortgage

    • Tenure: 9.6yrs
  • Carolyn Schaefer (70yo)

    Consultant & Advisor

    • Tenure: 2.1yrs
  • Michael Huson (53yo)

    Managing Director of Business Services

  • Mike Kochenour (66yo)

    Founder & Chairman of the Board

    • Compensation: $316.81k

Board Members

  • John Polli (54yo)

    Director

    • Tenure: 17.6yrs
  • Wanda Filer (59yo)

    Director

    • Tenure: 17.6yrs
  • William Shorb (63yo)

    Director

    • Tenure: 17.6yrs
  • Betty Carson (62yo)

    Director

    • Tenure: 4.6yrs
  • Gene Draganosky (55yo)

    President

    • Tenure: 4.3yrs
    • Compensation: $322.90k
  • Tim Kinsley (53yo)

    Director

    • Tenure: 17.6yrs
  • Michael Kelly

    Chairman of Hanover Advisory Board

    • Tenure: 2.8yrs
  • John Brown (61yo)

    Director

    • Tenure: 17.6yrs
  • Paul Kilker (69yo)

    Director

    • Tenure: 17.6yrs
  • Mike Kochenour (66yo)

    Founder & Chairman of the Board

    • Tenure: 17.6yrs
    • Compensation: $316.81k

Company Information

York Traditions Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: York Traditions Bank
  • Ticker: YRKB
  • Exchange: OTCPK
  • Founded: 2002
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$56.017m
  • Shares outstanding: 3.11m
  • Website: Click here

Number of Employees


Location

  • York Traditions Bank
  • 226 Pauline Drive
  • PO Box 3658
  • York
  • Pennsylvania
  • 17402
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
YRKBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2014

Biography

York Traditions Bank, a community bank, provides commercial and consumer banking services in the Central Pennsylvania market. The company offers personal banking products and services, such as checking, sa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:21
End of Day Share Price2019/08/15 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.