Provide a range of deposit accounts including checking, savings, and CDs. Offer various lending products such as commercial, consumer, and mortgage loans. Now — the numbers.
This is an established company with proven profits.
No real growth (3% a year).
The market pays 12.1× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
angles, checked one by one.
The 3 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are growing slowly.
The stock trades below its recent peak — about 12% off the top. A pullback, not a collapse.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
It pays out $0.91 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales grew only 3% a year on average. At this size, speeding back up is not easy.
Getting in and out without moving the price could prove difficult. Council score: 2/10.
The price action doesn’t yet back an upward turn. Council score: 3/10.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
One-line summary: few numbers, an untested story. Keep watching.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.