BankGuam Holding Company (BKGMD) 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.
BankGuam Holding Company (BKGMD) trades at $14.25 with AI Score 42/100 (Grade C). BankGuam Holding Company operates as the bank holding company for the Bank of Guam, providing a range of banking products and services to individuals… Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for BKGMD: BKGMD 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 BKGMD against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BKGMD: 2/3 scored disciplines lean bullish. Dominant signal: Seth Klarman 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.
BankGuam Holding Company (BKGMD) Financial Services Profile
BankGuam Holding Company, operating as the parent of Bank of Guam, serves individuals, businesses, and governments with diverse banking products across Guam and Micronesia. With a P/E ratio of 6.14 and a dividend yield of 2.99%, the company maintains a strong local presence and focuses on commercial and consumer lending within the regional banking sector.
What Is the Investment Thesis for BKGMD?
BankGuam Holding Company presents a compelling investment case based on its established regional presence and diverse service offerings. The company's attractive dividend yield of 2.99% and a low P/E ratio of 6.14 suggest potential undervaluation. Growth catalysts include expansion within the Micronesian region and increased adoption of digital banking services. The company's high gross margin of 93.0% indicates efficient operations. However, investors may want to evaluate risks associated with operating in geographically concentrated markets and the potential impact of economic fluctuations in the Pacific region. The company's beta of -0.12 suggests lower volatility compared to the market.
Based on FMP financials and quantitative analysis
BKGMD Key Highlights
P/E ratio of 6.14, indicating a potentially undervalued stock compared to its earnings.
- Profit Margin of 14.8%, demonstrating the company's ability to generate profit from its revenue.
- Gross Margin of 93.0%, reflecting efficient cost management in its banking operations.
- Dividend Yield of 2.99%, offering an attractive income stream for investors.
- Beta of -0.12, suggesting lower volatility compared to the overall market, which may appeal to risk-averse investors.
Who Are BKGMD's Competitors?
BKGMD is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| IRAA Iris Acquisition Corp | $6.43 | -8.01% | $45.1M | 49 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKGMD's Key Strengths?
Strong regional brand recognition in Guam and Micronesia.
- Diverse range of banking products and services.
- Established relationships with local businesses and government entities.
- High gross margin of 93.0% indicates efficient operations.
What Are BKGMD's Weaknesses?
Limited geographic diversification, concentrated in Guam and Micronesia.
- Dependence on the economic conditions of the Pacific region.
- Smaller scale compared to larger national banks.
- OTC market listing may limit investor access and liquidity.
What Could Drive BKGMD Stock Higher?
Expansion of digital banking services to attract younger customers and improve operational efficiency.
- Growth in commercial lending to SMEs in Guam and Micronesia, supporting local businesses.
- Potential partnerships with local businesses and government entities to drive customer acquisition (within 1-2 years).
- Diversification of financial service offerings, such as wealth management and insurance products (within 4-5 years).
What Are the Key Risks for BKGMD?
Limited geographic diversification, concentrated in Guam and Micronesia.
- Economic downturns in the Pacific region impacting loan performance.
- Increased competition from larger national banks.
- Cybersecurity threats and data breaches compromising customer data.
- OTC market listing may limit investor access and liquidity.
What Are the Growth Opportunities for BKGMD?
- Expansion in Micronesia: BankGuam has the opportunity to further expand its presence in the Federated States of Micronesia, the Republic of the Marshall Islands, and Palau. These markets offer growth potential due to increasing demand for banking services and limited competition. Establishing new branches and expanding ATM networks in these regions could significantly increase the company's customer base and revenue streams. This expansion could be realized within the next 3-5 years, potentially increasing revenue by 10-15%.
- Digital Banking Adoption: Increasing the adoption of digital banking services among its customer base represents a significant growth opportunity. By investing in user-friendly mobile and online banking platforms, BankGuam can attract younger customers and improve operational efficiency. Enhanced digital offerings, including mobile payments, online account management, and digital lending, can drive customer engagement and reduce costs. This initiative could be implemented within the next 2 years, leading to a 5-10% increase in digital transactions.
- Commercial Lending Growth: Focusing on expanding its commercial lending portfolio, particularly to small and medium-sized enterprises (SMEs) in Guam and Micronesia, presents a substantial growth opportunity. By offering tailored financing solutions and supporting local businesses, BankGuam can strengthen its relationships with the community and increase its loan portfolio. This strategy could be implemented over the next 3 years, potentially increasing commercial loan revenue by 8-12%.
- Partnerships with Local Businesses: Developing strategic partnerships with local businesses and government entities can drive growth by providing exclusive banking services and solutions. Collaborating with local retailers, hotels, and government agencies can increase customer acquisition and enhance brand loyalty. These partnerships can also create cross-selling opportunities and generate additional revenue streams. These partnerships can be established within the next 1-2 years, leading to a 3-5% increase in overall revenue.
- Diversification of Financial Services: Diversifying its financial service offerings, such as wealth management, insurance products, and investment services, can attract new customers and increase revenue per customer. By offering a broader range of financial solutions, BankGuam can cater to the evolving needs of its customer base and enhance its competitive position. This diversification strategy could be implemented over the next 4-5 years, potentially increasing non-interest income by 10-15%.
What Are BKGMD's Competitive Advantages?
- Strong regional presence in Guam and Micronesia.
- Established relationships with local businesses and government entities.
- Comprehensive suite of banking products and services.
- Extensive branch and ATM network across the region.
What Does BKGMD Do?
Incorporated in 1972 and headquartered in Hagåtña, Guam, BankGuam Holding Company is the parent company of Bank of Guam. The bank provides a comprehensive suite of banking products and services tailored to individuals, businesses, and government entities. Its offerings include a variety of deposit accounts such as demand deposits, savings accounts, and certificates of deposit, catering to both retail and business banking needs. The company's lending activities encompass commercial loans, including those for commercial real estate, multifamily rentals, hotels, and gas stations, as well as working capital and equipment financing. Additionally, BankGuam provides industrial, commercial, real estate, construction, and SBA-guaranteed loans. The bank also offers home mortgage and home equity loans, alongside consumer loans for automobiles and personal purposes. Beyond traditional banking, BankGuam extends its services to trade financing and trust administration. It also acts as an agent for various insurance companies, offering credit life, health, auto, and homeowners insurance. The bank facilitates wire and automated clearing house transfers, provides cashier's and traveler's checks, and offers corporate and consumer credit cards. Customers can access services through bank-by-mail, ATMs, night depositories, safe deposit boxes, direct deposits, electronic funds transfers, and online banking platforms. BankGuam operates 17 full-service branches across Guam, the Commonwealth of the Northern Mariana Islands, the Republic of Palau, the Federated States of Micronesia, the Republic of the Marshall Islands, and San Francisco, California, supported by a network of 79 ATMs.
What Products and Services Does BKGMD Offer?
- Accepts demand deposits, savings accounts, and time certificates of deposit.
- Offers checking accounts and interest-bearing transaction accounts.
- Provides commercial loans for real estate, equipment, and working capital.
- Offers home mortgage and home equity loans.
- Provides consumer loans for automobiles and personal purposes.
- Offers trade financing and trust services.
- Provides credit life, health, auto, and homeowners insurance services as an agent.
- Offers wire transfers, ACH transfers, and other customary banking services.
How Does BKGMD Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Receives commissions from insurance products sold as an agent.
- Provides trust services for fees.
What Industry Does BKGMD Operate In?
BankGuam Holding Company operates within the regional banking sector, which is characterized by serving local communities and businesses. The industry is influenced by factors such as interest rate changes, regulatory requirements, and economic conditions in the specific regions they serve. Competition includes other regional banks, credit unions, and larger national banks. BankGuam differentiates itself through its strong presence in Guam and Micronesia. The regional banking sector is experiencing increased demand for digital banking services and personalized customer experiences.
Who Are BKGMD's Key Customers?
- Individuals in Guam, Micronesia, and California.
- Small and medium-sized businesses in the region.
- Government entities in Guam and Micronesia.
How BankGuam Holding Company Is Valued
Relative to its peer group, BKGMD's quantitative score of 42/100 is below the peer average of 86/100.
Company Profile
BankGuam Holding Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Agana, US. The company is led by CEO William David Leon Guerrero. BKGMD has traded publicly since 2009.
Key Financial Metrics
Return on equity for BankGuam Holding Company stands at 11.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. BKGMD trades at a trailing price-to-earnings ratio of 7.70, below the Financial Services sector average of ~18x. Its free cash flow yield is 18.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 24.68 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 13.0%, the inverse of the P/E and a quick read on earnings relative to price.
BKGMD Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong regional brand recognition in Guam and Micronesia.
- Diverse range of banking products and services.
- Established relationships with local businesses and government entities.
- High gross margin of 93.0% indicates efficient operations.
Bear Case
- Limited geographic diversification, concentrated in Guam and Micronesia.
- Dependence on the economic conditions of the Pacific region.
- Smaller scale compared to larger national banks.
- OTC market listing may limit investor access and liquidity.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
BKGMD Latest News
No recent news available for BKGMD.
BKGMD Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKGMD.
Price Targets
Wall Street price target analysis for BKGMD.
BKGMD MoonshotScore
What does this score mean?
The MoonshotScore rates BKGMD 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: William David Leon Guerrero
CEO
William David Leon Guerrero serves as the CEO of BankGuam Holding Company, leading a team of 529 employees. His extensive background in the financial services industry includes experience in commercial lending, retail banking, and wealth management. He has held various leadership positions within BankGuam, contributing to the company's growth and expansion in the Pacific region. His expertise in navigating the unique economic and regulatory landscape of Guam and Micronesia has been instrumental in the company's success.
Track Record: Under William David Leon Guerrero's leadership, BankGuam Holding Company has maintained a strong regional presence and achieved consistent profitability. He has overseen the expansion of the bank's branch network and the implementation of digital banking initiatives. His strategic decisions have focused on strengthening customer relationships, supporting local businesses, and enhancing shareholder value. He has successfully navigated economic challenges and regulatory changes, ensuring the bank's stability and growth.
BKGMD OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that BankGuam Holding Company may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and reporting requirements compared to those listed on major exchanges like NYSE or NASDAQ. This tier often includes companies that are thinly traded or have chosen not to comply with stricter listing standards. Investors should exercise caution and conduct thorough due diligence before investing in companies on the OTC Other tier.
- OTC Tier: OTC Other
- Limited liquidity due to lower trading volumes on the OTC market.
- Potential for wider bid-ask spreads, increasing transaction costs.
- Less stringent financial reporting requirements compared to major exchanges.
- Higher price volatility due to lower trading volumes.
- Potential for limited investor access and awareness.
- Verify the company's financial statements and SEC filings (if any).
- Assess the company's management team and their track record.
- Evaluate the company's business model and competitive landscape.
- Review the company's OTC Markets profile and disclosure information.
- Check for any regulatory actions or legal proceedings involving the company.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Established regional presence in Guam and Micronesia.
- Long operating history since 1972.
- Positive financial performance, including profitability and dividend payments.
- Comprehensive suite of banking products and services.
- Physical branch network across the region.
BankGuam Holding Company Financial Services Stock: Key Questions Answered
What does the AI Score mean for BKGMD?
BKGMD holds an AI Score of 42/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. BankGuam Holding Company operates as the bank holding company for the Bank of Guam, providing a range of banking products and services to individuals, businesses, and government entities. With a …
What does BankGuam Holding Company do?
BankGuam Holding Company operates as the bank holding company for the Bank of Guam, providing a comprehensive range of banking products and services to individuals, businesses, and government entities. These services include deposit accounts, commercial and consumer loans, trade financing, and trust services. The company operates 17 full-service branches and 79 ATMs across Guam, Micronesia, and California.
What are the main risks for BKGMD?
The main risks for BankGuam Holding Company include its limited geographic diversification, which makes it vulnerable to economic downturns in the Pacific region. Increased competition from larger national banks could also impact its market share. Cybersecurity threats and data breaches pose a risk to customer data and the company's reputation.
What are the key factors to evaluate for BKGMD?
BankGuam Holding Company (BKGMD) holds an AI score of 42/100 (low). BankGuam Holding Company presents a compelling investment case based on its established regional presence and diverse service offerings. Not financial advice.
How frequently does BKGMD data refresh on this page?
BKGMD'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 BKGMD's recent stock price performance?
BankGuam Holding Company (BKGMD) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional brand recognition in Guam and Micronesia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKGMD overvalued or undervalued right now?
BankGuam Holding Company (BKGMD) 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.
How do I research BKGMD before investing?
Before investing in BankGuam Holding Company (BKGMD), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding BKGMD to a portfolio?
Key strength of BankGuam Holding Company (BKGMD): Strong regional brand recognition in Guam and Micronesia. Weigh rewards against risks and diversify. Not financial advice.
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.
- Financial data is based on available information and may be subject to change.
- OTC market data may have limited accuracy and availability.
- AI analysis is pending and will provide further insights.