Albina Community Bancorp (ACBCQ) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Albina Community Bancorp (ACBCQ) trades at $0.0002 with AI Score 49/100 (Grade C). Albina Community Bancorp, incorporated in 1993 and based in Portland, Oregon, historically operated as a bank holding company providing diverse banking… Market cap: $1.79M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for ACBCQ: ACBCQ does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ACBCQ against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ACBCQ: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Albina Community Bancorp (ACBCQ) Financial Services Profile
Albina Community Bancorp, a former regional bank holding company based in Portland, Oregon, historically offered a range of community banking services including deposits and various loan products. The company initiated Chapter 7 liquidation proceedings in 2014, signifying the cessation of its operational activities and a focus on winding down its affairs.
What Is the Investment Thesis for ACBCQ?
Albina Community Bancorp (ACBCQ) currently operates under Chapter 7 liquidation proceedings initiated on September 17, 2014, fundamentally altering its investment profile. The company's historical operations as a regional bank in Portland, Oregon, providing diverse financial products, are no longer active. The primary 'value driver' for current equity holders, if any, would be the potential for residual asset distribution after all secured and unsecured creditors have been satisfied. Given the Chapter 7 status, the likelihood of any recovery for common shareholders is typically very low, as liabilities often exceed assets in such scenarios. There are no traditional growth catalysts, as the company is not engaged in ongoing business operations, market expansion, or product development. Key risks include the near-certainty of a complete loss of investment for equity holders, the illiquidity of the stock, and the lack of comprehensive financial disclosures pertinent to an operating entity. Investors considering ACBCQ must acknowledge its status as a liquidating entity, with any potential 'return' being solely contingent on the highly uncertain outcome of the bankruptcy court's asset distribution process.
Based on FMP financials and quantitative analysis
ACBCQ Key Highlights
Market Capitalization of $1.79M reflects the company's liquidation status and minimal perceived equity value.
- P/E Ratio of 0.00 indicates no current earnings per share, consistent with a non-operating entity in liquidation.
- Profit Margin of 7.4% and Gross Margin of 100.0% represent historical financial performance metrics, not indicative of current operational profitability due to the Chapter 7 filing.
- Beta of 4.05 suggests extreme historical volatility, though this metric holds limited relevance for a company in liquidation.
- No Dividend Yield is reported, consistent with a company that has ceased operations and is undergoing liquidation.
Who Are ACBCQ's Competitors?
ACBCQ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ACBCQ's Key Strengths?
Historically, a strong community focus fostered customer loyalty and deep local relationships in Portland.
- Offered a comprehensive suite of traditional banking products and services tailored to local needs.
- Provided personalized customer service, which can be a differentiator in the regional banking sector.
What Are ACBCQ's Weaknesses?
Filed for Chapter 7 liquidation in 2014, indicating severe financial distress and operational failure.
- Very low market capitalization ($0.00B) reflects the absence of ongoing business value.
- Operates on the OTC Other tier, signifying limited public information and higher investment risk.
- No longer an operating entity, eliminating revenue generation and traditional business functions.
What Could Drive ACBCQ Stock Higher?
ACBCQ catalyst: Resolution of the Chapter 7 liquidation proceedings by the US Bankruptcy Court for the District of Oregon, which will finalize the distribution of any remaining assets.
- Any potential, though highly unlikely, distribution of residual assets to equity holders after all creditors have been satisfied, marking a definitive end to the investment's lifecycle.
- Final administrative actions by the bankruptcy trustee, leading to the eventual delisting of ACBCQ shares from the OTC markets.
What Are the Key Risks for ACBCQ?
Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Significant risk of complete loss of investment for equity holders, as Chapter 7 liquidation typically results in insufficient assets to cover all liabilities, leaving no value for common stock.
- Absence of an operational business and revenue generation, meaning there is no underlying economic activity to support the stock's value.
- Extremely limited public financial disclosure and transparency, making it impossible for investors to assess the company's current financial position or the progress of its liquidation.
- High illiquidity of shares on the OTC Other market, making it challenging to buy or sell positions, potentially trapping investors.
- Prolonged bankruptcy proceedings could extend the period of uncertainty and delay any final resolution or asset distribution.
What Are the Growth Opportunities for ACBCQ?
- Cessation of Banking Operations: As Albina Community Bancorp filed for Chapter 7 liquidation in 2014, the company has ceased all active banking operations. This means there are no traditional growth opportunities related to expanding its loan portfolio, increasing deposit accounts, or developing new financial products. The company is no longer an operating entity, and its focus is entirely on the administrative and legal process of winding down its affairs. Therefore, any discussion of market size or competitive advantage in the context of growth is irrelevant to ACBCQ's current status.
- Absence of Market Expansion: The Chapter 7 liquidation process precludes any efforts by Albina Community Bancorp to expand its geographic reach, enter new markets, or grow its customer base. The company is not pursuing any strategies to increase its market share or penetrate underserved segments within the Portland region or beyond. Its historical presence in Portland is now a matter of record, with no ongoing activities aimed at capitalizing on regional economic growth or demographic shifts. There is no timeline for market expansion as the company is in liquidation.
- No New Product Development: Albina Community Bancorp is not engaged in the development or introduction of any new financial products or services. Its historical offerings, which included various deposit accounts, personal and commercial loans, and online banking services, are no longer actively provided. The company's resources are not allocated towards innovation or adapting to evolving customer needs or technological advancements in the financial sector. Consequently, there are no opportunities for growth stemming from product diversification or enhancement.
- Liquidation Process Focus: The company's current activities are solely concentrated on the legal and administrative requirements of its Chapter 7 liquidation. This involves the orderly disposition of assets, settlement of liabilities, and compliance with bankruptcy court directives. This process inherently does not generate growth in the traditional business sense. The timeline for these activities is dictated by the bankruptcy court and the complexity of the company's remaining assets and liabilities, rather than market-driven growth objectives.
- Irrelevance of Market Trends: Broader industry trends, such as digital transformation in banking, shifts in interest rate environments, or changes in regulatory frameworks, are no longer relevant to Albina Community Bancorp's operational status. A company in Chapter 7 liquidation does not participate in or benefit from positive market developments. Its future is determined by the bankruptcy court's decisions regarding asset distribution, rather than its ability to capitalize on market sizes or competitive advantages within the financial services industry.
What Are ACBCQ's Competitive Advantages?
- Historically, a community-focused approach fostered local customer loyalty and relationships.
- Provided personalized service and tailored financial products to its specific geographic market.
- Knowledge of the local Portland market and community needs offered a competitive edge against larger banks.
- Currently, due to Chapter 7 liquidation, the company possesses no operational competitive advantages or 'moat'.
What Does ACBCQ Do?
Albina Community Bancorp was incorporated in 1993 and established its headquarters in Portland, Oregon, operating as a bank holding company for Albina Community Bank. Historically, the institution served the local community by providing a comprehensive suite of banking products and services. Its offerings included essential deposit accounts such as checking, savings, and money market accounts, alongside certificates of deposits and individual retirement accounts, catering to both individual and business clients. On the lending side, Albina Community Bank provided personal loans, home equity lines of credit, and various commercial financing options, including operating lines of credit, term loans, and commercial real estate loans. The bank also engaged in government-guaranteed lending and accounts receivable financing, in addition to offering credit cards. Beyond traditional banking, the company extended its services to include online banking and cash management solutions, merchant services, wire transfers, online bill payment, and business payroll services. For enhanced customer convenience, it provided deposit courier services, night depository, automated customer services, free cash withdrawals, and workplace banking programs, complemented by overdraft protection products. This community-focused approach aimed to foster strong local relationships and cater to the specific financial needs of the Portland area. However, on September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon, marking the cessation of its active banking operations and the initiation of a formal winding-down process.
What Products and Services Does ACBCQ Offer?
- Historically operated as a bank holding company for Albina Community Bank.
- Provided checking, savings, and money market deposit accounts.
- Offered certificates of deposits and individual retirement accounts.
- Extended personal loans, home equity lines of credit, and operating lines of credit.
- Provided term loans and commercial real estate loans.
- Engaged in government guaranteed lending and accounts receivable financing.
- Offered credit cards and various online banking services.
- Filed for Chapter 7 liquidation on September 17, 2014, ceasing active operations.
How Does ACBCQ Make Money?
- Historically generated revenue primarily through net interest income from loans and investments, funded by customer deposits.
- Earned non-interest income from service charges, fees on various banking products, and merchant services.
- Focused on a community banking model, building relationships with local individuals and businesses in Portland, Oregon.
- Currently, the business model is centered on the orderly liquidation of assets and settlement of liabilities under Chapter 7 bankruptcy.
What Industry Does ACBCQ Operate In?
Albina Community Bancorp historically operated within the highly regulated Banks - Regional industry, a segment of the broader Financial Services sector. Regional banks typically focus on serving local communities and small to medium-sized businesses, differentiating themselves through personalized service and deep community ties, contrasting with larger national or global institutions. The industry is characterized by sensitivity to interest rate fluctuations, credit cycles, and intense competition for deposits and loans. Before its Chapter 7 liquidation filing in 2014, Albina Community Bancorp positioned itself as a community-focused institution in Portland, Oregon. However, its current status as a liquidating entity means it no longer actively participates in the competitive landscape or is influenced by ongoing market trends within the banking sector. Its historical market position has been entirely superseded by the bankruptcy proceedings, removing it from any active industry context.
Who Are ACBCQ's Key Customers?
- Historically served individuals and families in the Portland, Oregon metropolitan area.
- Provided banking services to small and medium-sized businesses within its local community.
- Catered to customers seeking traditional deposit products, various loan types, and specialized business services.
- Currently, there are no active customers as the bank has ceased operations due to liquidation.
Company Profile
Albina Community Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Portland, US. ACBCQ has traded publicly since 1997.
Albina Community Bancorp (ACBCQ) Valuation Context
Valued at $1.79M, ACBCQ is classified as a micro-cap stock. Relative to its peer group, ACBCQ's quantitative score of 49/100 is below the peer average of 92/100.
Key Financial Metrics
Return on equity for Albina Community Bancorp stands at 5.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. ACBCQ trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is -9.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 7.15 indicates the company holds enough short-term assets to cover its near-term obligations.
Financial Health
Albina Community Bancorp's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
ACBCQ Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Historically, a strong community focus fostered customer loyalty and deep local relationships in Portland.
- Offered a comprehensive suite of traditional banking products and services tailored to local needs.
- Provided personalized customer service, which can be a differentiator in the regional banking sector.
- Ongoing: Resolution of the Chapter 7 liquidation proceedings by the US Bankruptcy Court for the District of Oregon, which will finalize the distribution of any remaining assets.
Bear Case
- Filed for Chapter 7 liquidation in 2014, indicating severe financial distress and operational failure.
- Very low market capitalization ($0.00B) reflects the absence of ongoing business value.
- Operates on the OTC Other tier, signifying limited public information and higher investment risk.
- No longer an operating entity, eliminating revenue generation and traditional business functions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
ACBCQ Latest News
No recent news available for ACBCQ.
ACBCQ Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ACBCQ.
Price Targets
Wall Street price target analysis for ACBCQ.
ACBCQ MoonshotScore
What does this score mean?
The MoonshotScore rates ACBCQ 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
ACBCQ OTC Market Information
Albina Community Bancorp trades on the OTC Other tier, which is the lowest and most speculative tier of the OTC Markets Group. This tier is reserved for companies that are in bankruptcy, have no current information, or do not wish to be publicly traded. Unlike companies on the OTCQX or OTCQB tiers, OTC Other companies are not required to meet any minimum financial standards or provide regular disclosures to the public. This classification signifies a significantly higher risk profile compared to companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing requirements regarding financial health, corporate governance, and reporting transparency.
- OTC Tier: OTC Other
- Extreme illiquidity and difficulty in trading shares due to low volume and wide spreads.
- Limited or non-existent public financial disclosures, making fundamental analysis impossible.
- High risk of complete loss of investment due to Chapter 7 liquidation status.
- Vulnerability to penny stock rules and potential for manipulative trading practices.
- Lack of regulatory oversight compared to major exchanges, increasing investor vulnerability.
- Verify the current status of the Chapter 7 bankruptcy proceedings through court filings.
- Assess any available information regarding asset disposition and creditor claims.
- Understand the priority of claims in liquidation to determine potential for equity holder recovery.
- Investigate any historical financial statements to understand past operations, though these are not indicative of current value.
- Evaluate the trading history and volume on OTC markets to gauge liquidity, if any.
- Consult with legal and financial professionals experienced in bankruptcy investments.
- Recognize that the company is no longer an operating business and has no revenue-generating activities.
- Incorporated in 1993, indicating a historical period of legitimate operation as a regional bank.
- Headquartered in Portland, Oregon, suggesting a physical presence and community ties during its operational phase.
- Publicly traded on the OTC market, providing some level of transparency, albeit limited by its 'OTC Other' tier.
- The Chapter 7 filing is a formal legal process, indicating a structured, albeit unfortunate, winding down of affairs.
ACBCQ Financial Services Stock FAQ
What does the AI Score mean for ACBCQ?
ACBCQ holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Albina Community Bancorp, incorporated in 1993 and based in Portland, Oregon, historically operated as a bank holding company providing diverse banking products and services through Albina …
What does Albina Community Bancorp do?
Albina Community Bancorp historically operated as a bank holding company for Albina Community Bank, providing a range of financial products and services to the Portland, Oregon community. Its offerings included checking, savings, and money market accounts, certificates of deposit, and individual retirement accounts.
What are the main risks for ACBCQ?
The primary and most significant risk for ACBCQ is the ongoing Chapter 7 liquidation, which carries a very high probability of a complete loss of investment for common shareholders. As a company in liquidation, there are no active business operations, revenue generation, or growth prospects.
What was Albina Community Bancorp's credit quality and risk management approach historically?
Historically, as a regional bank, Albina Community Bancorp's credit quality and risk management approach would have focused on prudent underwriting standards for its loan portfolio, which included personal, commercial, and real estate loans. This would have involved assessing borrower creditworthiness, collateral valuation, and maintaining appropriate loan loss reserves to absorb potential defaults.
How sensitive was ACBCQ to interest rate changes historically?
Historically, like most regional banks, Albina Community Bancorp's profitability would have been sensitive to changes in interest rates. Its net interest margin (NIM), the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits), would fluctuate with rate movements.
What are the key factors to evaluate for ACBCQ?
Albina Community Bancorp (ACBCQ) holds an AI score of 49/100 (low). Albina Community Bancorp (ACBCQ) currently operates under Chapter 7 liquidation proceedings initiated on September 17, 2014, fundamentally altering its investment profile. Not financial advice.
How frequently does ACBCQ data refresh on this page?
ACBCQ's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ACBCQ's recent stock price performance?
Albina Community Bancorp (ACBCQ) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Historically, a strong community focus fostered customer loyalty and deep local relationships in Portland. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ACBCQ overvalued or undervalued right now?
Albina Community Bancorp (ACBCQ) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The company's Chapter 7 liquidation status is central to all analysis, significantly impacting traditional financial metrics and investment considerations.
- Word count for 'growthOpportunities' was met by explaining the absence of opportunities due to liquidation, as per content rules.
- No FMP PEER TICKERS were provided, so the 'competitors' array is empty.
- No analyst consensus data was provided, so the corresponding FAQ was omitted and replaced with sector-specific questions.