Summary
51 / 100 · Bulios Score
What speaks for it
- The share price is below the Bulios Fair Price.
- Out of every 100 USD of revenue, 18 USD is left as net profit.
- Revenue grew by 11% a year over the last 3 years.
- It bought back its own shares for $2.50B in the last fiscal year, 4.2% of its market value.
What to watch
- Analysts expect revenue to fall by 30% this fiscal year.
- Earnings per share fell by 4.8% 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 cheapBulios 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 11.4 USD for 1 USD of yearly profit. Over the last five years it was 11.3 USD on average.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 4.5% a year over 5 years. Over the last 3 years it grew by 11% a year. For the next fiscal year analysts expect revenue to fall by 30%. Earnings per share fell by 4.8% a year over the last 3 years.
Growth in detailDoes it make money?
ReasonablyWhere 100 USD of revenue goes
- Cost of sales 35 USD
- Sales and administration 45 USD
- Taxes and other 2.7 USD
- Net profit 18 USD
Net profit, industry median (Banks - Regional) 21 USD
Out of every 100 USD of revenue, 18 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
- 4.30%
- Paid out of profit
- 49%
You receive $2.08 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
Mildly positive- Buy 27
- Hold 24
- Sell 3
Today's price within the analysts' price targets
The average target of $54.88 is 13% above today's price. 50% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2016By product
- Community Banking 86%
- Financial Services 13%
- Residential Mortgage Banking 0.6%
By region
The company reports no revenue by region.
Community Banking brings in 86% of revenue.
Segments in detail