ScoreWhy is Croghan Bancshares, Inc. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -2.42%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
Positive results in Dec 25
- ROCE(HY) Highest at 0.98%
- NET SALES(Q) Highest at USD 16.19 MM
- NII(Q) Highest at USD 11.09 MM
3
With ROA of 0.92%, it has a fair valuation with a 1.01 Price to Book Value
- Over the past year, while the stock has generated a return of 25.74%, its profits have risen by 20.7%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Croghan Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.19%
EBIT Growth (5y)
-1.99%
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
39.57%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.01
EV to EBIT
16.76
EV to EBITDA
16.76
EV to Capital Employed
1.01
EV to Sales
4.23
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
6.00%
ROE (Latest)
8.82%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 0.98%
NET SALES(Q)
Highest at USD 16.19 MM
NII(Q)
Highest at USD 11.09 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 85.25%
-4What is not working for the Company
ROCE(HY)
Lowest at 0.98%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
EPS(Q)
Lowest at USD 0
Here's what is working for Croghan Bancshares, Inc.
Net Sales
Highest at USD 16.19 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
NII
Highest at USD 11.09 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 85.25%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Croghan Bancshares, Inc.
EPS
Lowest at USD 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
