Boyle Bancorp, Inc. (BYLB)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Boyle Bancorp, Inc. (BYLB) with AI Score 52/100 (Hold). Boyle Bancorp, Inc. , founded in 1879 and based in Danville, Kentucky, operates as the holding company for Farmers National Bank. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 15, 2026Boyle Bancorp, Inc. (BYLB) Financial Services Profile
Boyle Bancorp, Inc., through Farmers National Bank, provides community-focused banking services in central Kentucky, offering a range of loan and deposit products. With a $0.10 billion market cap and a P/E ratio of 8.73, the company distinguishes itself through its long-standing local presence and commitment to traditional banking values.
Investment Thesis
Boyle Bancorp, Inc. presents an investment opportunity based on its established presence in the central Kentucky banking market and a focus on traditional banking services. With a market capitalization of $0.10 billion and a dividend yield of 3.42%, the company offers a potential income stream for investors. The company's P/E ratio of 8.73 suggests a reasonable valuation compared to earnings. Growth catalysts include potential expansion of its loan portfolio, particularly in the agriculture and equine sectors, and increased adoption of its online and mobile banking services. However, potential risks include competition from larger regional and national banks, as well as sensitivity to interest rate fluctuations. The company's beta of 0.10 indicates low volatility relative to the market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.10 billion indicates a small-cap regional bank.
- P/E ratio of 8.73 suggests a potentially undervalued stock compared to its earnings.
- Profit margin of 23.9% demonstrates efficient profitability.
- Gross margin of 100.0% reflects the nature of banking revenue.
- Dividend yield of 3.42% provides an attractive income stream for investors.
Competitors & Peers
Strengths
- Strong local presence and brand recognition.
- Long-standing customer relationships.
- Specialized expertise in agricultural and equine lending.
- High gross margin of 100.0%.
Weaknesses
- Limited geographic reach.
- Small market capitalization.
- Dependence on traditional banking services.
- Potential vulnerability to competition from larger banks.
Catalysts
- Ongoing: Expansion of digital banking services to attract younger customers.
- Ongoing: Growth in agricultural and equine lending portfolios.
- Upcoming: Potential strategic branch expansion in 2027-2028.
- Ongoing: Increased adoption of wealth management services.
- Ongoing: Focus on community engagement and local relationships.
Risks
- Potential: Competition from larger regional and national banks.
- Potential: Interest rate fluctuations affecting net interest margin.
- Potential: Economic downturn in central Kentucky impacting loan performance.
- Potential: Regulatory changes affecting the banking industry.
- Ongoing: Limited geographic reach restricts growth opportunities.
Growth Opportunities
- Expansion of Agricultural Lending: Boyle Bancorp can capitalize on the strong agricultural sector in Kentucky by expanding its farm equipment financing and real estate/farm improvement loans. The agricultural loan market in Kentucky is estimated to be worth several billion dollars, offering significant growth potential. Timeline: Ongoing.
- Increased Adoption of Digital Banking: Investing in and promoting its online and mobile banking services can attract younger customers and improve efficiency. The digital banking market is growing rapidly, with mobile banking transactions projected to increase significantly over the next few years. Timeline: Ongoing.
- Strategic Branch Expansion: Expanding its branch network into adjacent counties in Kentucky could increase its market reach and customer base. Careful market analysis and strategic site selection are crucial for success. Timeline: 2027-2028.
- Wealth Management Services Growth: Expanding its investment and wealth management services can generate additional fee income and attract high-net-worth clients. The wealth management market is growing, driven by an aging population and increasing affluence. Timeline: Ongoing.
- Equine Loan Portfolio Expansion: Given Kentucky's prominence in the equine industry, Boyle Bancorp can further develop its equine loan offerings, including mare/stallion financing and farm financing. This niche market offers attractive growth opportunities. Timeline: Ongoing.
Opportunities
- Expansion of digital banking services.
- Strategic branch expansion into adjacent counties.
- Growth of wealth management services.
- Expansion of agricultural and equine loan portfolios.
Threats
- Competition from larger regional and national banks.
- Interest rate fluctuations.
- Economic downturn in central Kentucky.
- Regulatory changes.
Competitive Advantages
- Strong local presence and brand recognition in central Kentucky.
- Long-standing relationships with customers in the community.
- Focus on traditional banking values and personalized service.
- Specialized expertise in agricultural and equine lending.
About BYLB
Founded in 1879, Boyle Bancorp, Inc. has deep roots in Danville, Kentucky, operating as the holding company for Farmers National Bank. The bank provides a comprehensive suite of commercial and personal banking services tailored to the needs of its local communities within Boyle, Casey, Garrard, Lincoln, and Mercer counties. Its offerings include a variety of checking and savings accounts, such as money market accounts, certificates of deposit (CDs), and Individual Retirement Accounts (IRAs). On the lending side, Farmers National Bank provides a diverse portfolio of loan products, including auto loans, recreational vehicle loans, boat loans, and home equity loans. They also offer fixed-rate and adjustable-rate mortgages, catering to both individual and business needs. For businesses, the bank provides commercial real estate loans, multi-family dwelling loans, commercial construction loans, business equipment financing, and lines of credit. Agriculture is a key sector in their service area, and the bank offers farm equipment financing, real estate/farm improvement loans, operating loans, refinancing options, and sweep loans/accounts. Additionally, they provide specialized equine loans, including mare/stallion financing and farm financing. Beyond traditional banking services, Boyle Bancorp provides automated clearing house (ACH) services, remote deposit capture, safe deposit boxes, wire transfers, and overdraft protection. They also offer debit and credit cards, investment and wealth management services, brokerage services, insurance products, ATM access, and online and mobile banking platforms. Boyle Bancorp operates 12 banking locations, all within central Kentucky, emphasizing its commitment to local relationships and community banking.
What They Do
- Offers checking and savings accounts to individuals and businesses.
- Provides a range of loan products, including auto, mortgage, and business loans.
- Offers agricultural loans, including farm equipment and real estate financing.
- Provides equine loans, catering to the horse industry.
- Offers online and mobile banking services.
- Provides wealth management and brokerage services.
- Offers insurance products.
Business Model
- Generates revenue from interest income on loans.
- Earns fees from services such as wire transfers and overdraft protection.
- Provides wealth management and brokerage services for fees.
- Offers insurance products for commissions.
Industry Context
Boyle Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with increased adoption of online and mobile banking services. Regional banks like Boyle Bancorp face competition from larger national banks, credit unions, and fintech companies. The market is influenced by interest rate trends, regulatory changes, and economic conditions. Boyle Bancorp's focus on community banking and local relationships differentiates it within this competitive landscape.
Key Customers
- Individuals in Boyle, Casey, Garrard, Lincoln, and Mercer counties of Kentucky.
- Small businesses in central Kentucky.
- Farmers and agricultural businesses.
- Equine industry participants.
Financials
Chart & Info
Boyle Bancorp, Inc. (BYLB) stock price: Price data unavailable
Latest News
No recent news available for BYLB.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BYLB.
Price Targets
Wall Street price target analysis for BYLB.
MoonshotScore
What does this score mean?
The MoonshotScore rates BYLB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: J. Martin Gibson
CEO
J. Martin Gibson serves as the CEO of Boyle Bancorp, Inc. His background includes extensive experience in the banking sector, with a focus on community banking and financial management. He has held various leadership positions within the company, contributing to its strategic direction and growth. His expertise spans across lending, operations, and customer relations.
Track Record: Under J. Martin Gibson's leadership, Boyle Bancorp has maintained a strong focus on serving the local community and providing personalized banking services. He has overseen the expansion of the bank's loan portfolio and the implementation of new technologies to enhance customer experience. His tenure has been marked by a commitment to financial stability and sustainable growth.
BYLB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Boyle Bancorp 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 may not be subject to the same regulatory oversight as exchange-listed companies. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and liquidity compared to stocks listed on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in BYLB.
- Low trading volume and liquidity can lead to price volatility.
- Potential for fraud or manipulation is higher in the OTC market.
- OTC Other stocks may not be subject to the same regulatory oversight as exchange-listed stocks.
- Difficulty in obtaining reliable information about the company.
- Verify the company's financial statements and disclosures.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Check for any regulatory actions or legal issues involving the company.
- Determine the source and reliability of information about the company.
- Long operating history (founded in 1879) suggests stability.
- Operation as a bank holding company indicates regulatory oversight.
- Physical presence with 12 banking locations in Kentucky.
- Dividend payments may indicate financial health.
- CEO leadership provides a point of contact for investor relations.
Boyle Bancorp, Inc. Stock: Key Questions Answered
What does Boyle Bancorp, Inc. do?
Boyle Bancorp, Inc., through its subsidiary Farmers National Bank, provides a range of commercial and personal banking services to individuals and businesses in central Kentucky. These services include checking and savings accounts, loans (auto, mortgage, business, agricultural, and equine), online and mobile banking, and wealth management services. The company focuses on building strong relationships with its local communities and providing personalized service.
What do analysts say about BYLB stock?
As of 2026-03-15, there is no readily available analyst coverage specifically for Boyle Bancorp, Inc. (BYLB). Given its small market capitalization and OTC listing, the company may not be widely followed by analysts. Investors should conduct their own due diligence and consider the company's fundamentals, growth opportunities, and risk factors before making any investment decisions.
What are the main risks for BYLB?
Boyle Bancorp, Inc. faces several risks, including competition from larger regional and national banks, sensitivity to interest rate fluctuations, and the potential for an economic downturn in its operating region of central Kentucky. As an OTC-listed company, BYLB also faces risks related to liquidity, transparency, and regulatory oversight. Furthermore, changes in banking regulations could impact the company's profitability and operations.
How sensitive is BYLB to interest rate changes?
As a financial institution, Boyle Bancorp, Inc.'s profitability is directly impacted by interest rate changes. Its net interest margin, the difference between interest income from loans and interest expense on deposits, is sensitive to fluctuations in interest rates. Rising interest rates can increase the cost of funds, while declining rates can reduce lending yields. The company's asset-liability management strategies play a crucial role in mitigating interest rate risk.
How does Boyle Bancorp, Inc. make money in financial services?
Boyle Bancorp, Inc. generates revenue primarily through interest income on loans, including commercial, personal, agricultural, and equine loans. It also earns fees from various banking services, such as wire transfers, overdraft protection, and wealth management. The company's profitability is influenced by its ability to efficiently manage its interest rate spread, control operating expenses, and maintain a healthy loan portfolio.
What are the key factors to evaluate for BYLB?
Boyle Bancorp, Inc. (BYLB) currently holds an AI score of 52/100, indicating moderate score. Key strength: Strong local presence and brand recognition.. Primary risk to monitor: Potential: Competition from larger regional and national banks.. This is not financial advice.
How frequently does BYLB data refresh on this page?
BYLB prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven BYLB's recent stock price performance?
Recent price movement in Boyle Bancorp, Inc. (BYLB) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence and brand recognition.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
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.
- OTC data may be less reliable than exchange-listed data.
- Analyst coverage may be limited due to small market cap.