Summary
65 / 100 · Bulios Score
What speaks for it
- Revenue grew by 17% a year over the last 3 years.
- Out of every 100 USD of revenue, 22 USD is left as net profit.
- The share price is below the Bulios Fair Price.
- It has raised its dividend 7 years in a row and pays out only 45% of profit.
What to watch
- Earnings per share fell by 4.5% a year over the last 3 years.
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 cheapPrice against the Bulios Fair Price
P/E against the industry (Banks - Regional)
Bulios 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 9.8 USD for 1 USD of yearly profit.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
Revenue grew by 13% a year over 5 years. Over the last 3 years it grew by 17% a year. Earnings per share fell by 4.5% a year over the last 3 years.
Growth in detailDoes it make money?
Very wellWhere 100 USD of revenue goes
- Cost of sales 46 USD
- Sales and administration 31 USD
- Taxes and other 2.1 USD
- Net profit 22 USD
Net profit, industry median (Banks - Regional) 19 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
- 4.55%
- Paid out of profit
- 45%
- Raised in a row
- 7 years
You receive $1.50 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
No coverageNo analyst covers this stock.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Debit Card 39%
- Fiduciary and Trust 39%
- Deposit Account 16%
- Mortgage Banking 6.1%
By region
The company reports no revenue by region.
Debit Card brings in 39% of revenue. Deposit Account grew fastest, by 8.3% a year.
Segments in detail