Provide commercial and retail lending products, including mortgages and personal loans. Offer a variety of deposit accounts, such as savings and checking accounts. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 12% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 14.6× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 92% of them.
Analysts' average target sits 10% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades 34% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 12% a year on average.
Over the last 12 months, company executives reported 35 buys and 23 sells. Management buying with its own money is usually read as a good sign.
It pays out $2.24 per share each year — regular cash for whoever holds the stock.
The stock trades 10% above the average analyst price target.
We grade companies — revenue, margins, balance sheets. This is a fund, so there is no report card to give. That is not a low grade; it is a different kind of thing.
One-line summary: a basket, not a business. Judge it by what it holds.