ScoreWhy is Baker Boyer Bancorp ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -12.77%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
With ROA of 0.34%, it has a very expensive valuation with a 0.99 Price to Book Value
- Over the past year, while the stock has generated a return of -3.57%, its profits have risen by 75.3%
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -3.57% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.63%
EBIT Growth (5y)
-2.78%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
139.75%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.99
EV to EBIT
5.63
EV to EBITDA
5.63
EV to Capital Employed
0.98
EV to Sales
0.76
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
17.45%
ROE (Latest)
5.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 5.71 MM
NET PROFIT(HY)
At USD 1.25 MM has Grown at 77.89%
ROCE(HY)
Highest at 0.45%
NET SALES(Q)
Highest at USD 7.24 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 0.45%
PRE-TAX PROFIT(Q)
At USD 0.79 MM has Fallen at -19.9%
NET PROFIT(Q)
Lowest at USD 0.62 MM
Here's what is working for Baker Boyer Bancorp
NII
Highest at USD 5.71 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 7.24 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Here's what is not working for Baker Boyer Bancorp
Pre-Tax Profit
At USD 0.79 MM has Fallen at -19.9%
over average net sales of the previous four periods of USD 0.98 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 0.62 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Net Profit
At USD 0.62 MM has Fallen at -23.84%
over average net sales of the previous four periods of USD 0.81 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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