York Traditions Bank, a community bank, provides commercial and consumer banking services in the Central Pennsylvania market.
Flawless balance sheet and good value.
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
Stable Share Price: YRKB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: YRKB matched the US Banks industry which returned -17.7% over the past year.
Return vs Market: YRKB underperformed the US Market which returned 16.8% over the past year.
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
Is York Traditions Bank undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: YRKB ($15) is trading below our estimate of fair value ($24.7)
Significantly Below Fair Value: YRKB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: YRKB is good value based on its PE Ratio (7.9x) compared to the US Banks industry average (10x).
PE vs Market: YRKB is good value based on its PE Ratio (7.9x) compared to the US market (19.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate YRKB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: YRKB's PB Ratio (0.8x) is in line with the US Banks industry average.
How is York Traditions Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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 York Traditions Bank 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.
- Examine whether York Traditions Bank 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 York Traditions Bank's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has York Traditions Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: YRKB has high quality earnings.
Growing Profit Margin: YRKB's current net profit margins (23.4%) are lower than last year (23.8%).
Past Earnings Growth Analysis
Earnings Trend: YRKB's earnings have grown significantly by 22.6% per year over the past 5 years.
Accelerating Growth: YRKB's earnings growth over the past year (16.4%) is below its 5-year average (22.6% per year).
Earnings vs Industry: YRKB earnings growth over the past year (16.4%) exceeded the Banks industry -3%.
Return on Equity
High ROE: YRKB's Return on Equity (9.6%) is considered low.
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
Financial Institutions Analysis
Asset Level: YRKB's Assets to Equity ratio (10.1x) is moderate.
Allowance for Bad Loans: YRKB has a sufficient allowance for bad loans (330%).
Low Risk Liabilities: 97% of YRKB's liabilities are made up of primarily low risk sources of funding.
Loan Level: YRKB has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: YRKB's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: YRKB has an appropriate level of bad loans (0.3%).
What is York Traditions Bank current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate YRKB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate YRKB'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 YRKB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if YRKB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend 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 YRKB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gene Draganosky (56 yo)
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
Compensation vs Market: Gene's total compensation ($USD348.01K) is below average for companies of similar size in the US market ($USD589.17K).
Compensation vs Earnings: Gene's compensation has been consistent with company performance over the past year.
|Founder||no data||US$238.80k||0.56% |
|Founder & Chairman of the Board||18.58yrs||US$316.81k||1.14% |
|Director of Marketing & Communications||1.58yrs||no data||no data|
|Director of Human Resources & Organization Development||1.17yrs||no data||no data|
|President of Traditions Mortgage||10.58yrs||no data||no data|
|Managing Director of Business Services||no data||no data||no data|
|Chief Credit Officer||3.83yrs||no data||no data|
|Managing Director of Personal & Signature Banking||3.42yrs||no data||no data|
|Treasurer||no data||no data||no data|
|Strategic Revenue Officer||0.17yr||no data||no data|
|Consultant & Advisor||3.08yrs||no data||no data|
Experienced Management: YRKB's management team is considered experienced (3.3 years average tenure).
|Founder & Chairman of the Board||18.58yrs||US$316.81k||1.14% |
|Member of Hanover Advisory Board||3.75yrs||no data||no data|
|Independent Director||18.58yrs||no data||1.46% |
|Independent Director||18.58yrs||no data||0.99% |
|Independent Director||18.58yrs||no data||6.47% |
|Independent Director||18.58yrs||no data||0.93% |
|Independent Director||6.17yrs||no data||0.28% |
|Independent Director||5.58yrs||no data||0.45% |
|Chairman of Hanover Advisory Board||3.75yrs||no data||no data|
|Member of Hanover Advisory Board||3.33yrs||no data||no data|
|Director||1.83yrs||no data||0.024% |
Experienced Board: YRKB's board of directors are considered experienced (5.9 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
York Traditions Bank's company bio, employee growth, exchange listings and data sources
- Name: York Traditions Bank
- Ticker: YRKB
- Exchange: OTCPK
- Founded: 2002
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$46.777m
- Shares outstanding: 3.12m
- Website: https://www.yorktraditionsbank.com
- York Traditions Bank
- 226 Pauline Drive
- PO Box 3658
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|YRKB||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||May 2014|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/12 00:11|
|End of Day Share Price||2020/07/29 00:00|
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.