Summary
71 / 100 · Bulios Score
What speaks for it
- Out of every 100 USD of revenue, 23 USD is left as net profit.
- It has raised its dividend 11 years in a row and pays out only 32% of profit.
- You pay 10.6 USD for 1 USD of yearly profit, little for its sector.
- Revenue grew by 12% a year over the last 3 years.
What to watch
None of the indicators we track raises a caution right now.
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?
Fairly pricedBulios 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 10.6 USD for 1 USD of yearly profit.
Valuation in detailIs it growing?
Yes, fastRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 8.0% a year over 5 years. Over the last 3 years it grew by 12% a year. Earnings per share grew by 3.3% a year over the last 3 years.
Growth in detailDoes it make money?
Very wellWhere 100 USD of revenue goes
- Cost of sales 29 USD
- Sales and administration 45 USD
- Taxes and other 4.0 USD
- Net profit 23 USD
Net profit, industry median (Banks - Regional) 21 USD
Out of every 100 USD of revenue, 23 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?
Small, safe- Yield
- 2.98%
- Paid out of profit
- 32%
- Raised in a row
- 11 years
You receive $1.10 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
Neutral- Buy 3
- Hold 5
- Sell 0
Today's price within the analysts' price targets
The average target of $39.5 is 6.8% above today's price. 38% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2021By product
- Interchange Income 33%
- Service Charges on Deposits 24%
- Overdraft Fees 20%
- Investment and Insurance Commissions 6.0%
- Other Deposit Related Income 5.3%
- Other 13%
By region
The company reports no revenue by region.
Interchange Income brings in 33% of revenue. Investment and Insurance Commissions grew fastest, by 25% a year.
Segments in detail