Summary
68 / 100 · Bulios Score
What speaks for it
- Revenue grew by 30% a year over the last 3 years.
- It has raised its dividend 15 years in a row and pays out only 43% of profit.
- Out of every 100 USD of revenue, 22 USD is left as net profit.
What to watch
- The share price is above the Bulios Fair Price.
- Earnings per share fell by 12% a year over the last 3 years.
- Analysts expect revenue to fall by 10% this fiscal year.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks expensiveBulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 11.2 USD for 1 USD of yearly profit.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 17% a year over 5 years. Over the last 3 years it grew by 30% a year. For the next fiscal year analysts expect revenue to fall by 10%. Earnings per share fell by 12% a year over the last 3 years.
Growth in detailDoes it make money?
Very wellWhere 100 USD of revenue goes
- Cost of sales 32 USD
- Sales and administration 40 USD
- Taxes and other 5.9 USD
- Net profit 22 USD
Net profit, industry median (Banks - Regional) 21 USD
Out of every 100 USD of revenue, 22 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
Moderate, safe- Yield
- 3.88%
- Paid out of profit
- 43%
- Raised in a row
- 15 years
You receive $1.48 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
Mildly positive- Buy 11
- Hold 7
- Sell 0
Today's price within the analysts' price targets
The average target of $48.5 is 28% above today's price. 61% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2020By product
- Overdraft Fees Net 29%
- Trust Asset Management Fees 17%
- Registered Advisor Management Fees Net 14%
- Maintenance Fees Other 12%
- Interchange Fees Net 12%
- Other 17%
By region
The company reports no revenue by region.
Overdraft Fees Net brings in 29% of revenue.
Segments in detail