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Perpetual Federal Savings Bank

OTCPK:PFOH
Snowflake Description

Slightly overvalued with poor track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PFOH
OTCPK
$65M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Perpetual Federal Savings Bank provides financial products and services in Ohio. The last earnings update was 62 days ago. More info.


Add to Portfolio Compare Print
PFOH Share Price and Events
7 Day Returns
9.4%
OTCPK:PFOH
5.7%
US Mortgage
9.9%
US Market
1 Year Returns
-12.6%
OTCPK:PFOH
-24.5%
US Mortgage
-11.9%
US Market
PFOH Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Perpetual Federal Savings Bank (PFOH) 9.4% -12.5% -15.7% -12.6% -2.1% 22.1%
US Mortgage 5.7% -25.3% -33.6% -24.5% -23.1% -7.1%
US Market 9.9% -15% -21.5% -11.9% 5.1% 18.1%
1 Year Return vs Industry and Market
  • PFOH outperformed the Mortgage industry which returned -24.5% over the past year.
  • PFOH matched the United States of America Market (-11.9%) over the past year.
Price Volatility
PFOH
Industry
5yr Volatility vs Market

Value

 Is Perpetual Federal Savings Bank undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Perpetual Federal Savings Bank to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Perpetual Federal Savings Bank.

OTCPK:PFOH Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Dividend Discount Model
Dividend Per Share Company Filings (2019-12-31) in USD $ 1.180000
Payout Ratio Company Filings (2019-12-31) 5205.3%
Discount Rate (Cost of Equity) See below 7%
Perpetual Growth Rate 10-Year US Government Bond Rate 1.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:PFOH
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 1.7%
Equity Risk Premium S&P Global 5.4%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.67
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.666 (1 + (1- 21%) (0%))
0.972
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.97
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.74% + (0.972 * 5.44%)
7.03%

Discounted Cash Flow Calculation for OTCPK:PFOH using Dividend Discount Model Model

The calculations below outline how an intrinsic value for Perpetual Federal Savings Bank is arrived at by discounting future dividends to their present value. This approach is used for finance firms where free cash flow is difficult to estimate (e.g. Banks/ Insurance firms).

If the firm does not pay the majority of its earnings out as a dividend this method will often arrive at a value significantly lower than the share price.

See our documentation to learn about this calculation.

OTCPK:PFOH Gordon Growth Model
Calculation Result
Value per share = Expected dividends per share / (Discount Rate - Perpetual growth rate)
= $1.18 / (7.03% - 1.74%)
$22.32
OTCPK:PFOH Discount to Share Price
Calculation Result
Value per share (USD) From above. $22.32
Current discount Discount to share price of $26.25
= -1 x ($26.25 - $22.32) / $22.32
-17.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Perpetual Federal Savings Bank is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Perpetual Federal Savings Bank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Perpetual Federal Savings Bank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:PFOH PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $2.45
OTCPK:PFOH Share Price ** OTCPK (2020-03-27) in USD $26.25
United States of America Mortgage Industry PE Ratio Median Figure of 123 Publicly-Listed Mortgage Companies 10.72x
United States of America Market PE Ratio Median Figure of 2,945 Publicly-Listed Companies 12.96x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Perpetual Federal Savings Bank.

OTCPK:PFOH PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:PFOH Share Price ÷ EPS (both in USD)

= 26.25 ÷ 2.45

10.72x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Perpetual Federal Savings Bank is good value based on earnings compared to the US Mortgage industry average.
  • Perpetual Federal Savings Bank is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Perpetual Federal Savings Bank's expected growth come at a high price?
Raw Data
OTCPK:PFOH PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 10.72x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United States of America Mortgage Industry PEG Ratio Median Figure of 46 Publicly-Listed Mortgage Companies 0.19x
United States of America Market PEG Ratio Median Figure of 2,007 Publicly-Listed Companies 0.99x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Perpetual Federal Savings Bank, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Perpetual Federal Savings Bank's assets?
Raw Data
OTCPK:PFOH PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $0.00
OTCPK:PFOH Share Price * OTCPK (2020-03-27) in USD $26.25
United States of America Mortgage Industry PB Ratio Median Figure of 135 Publicly-Listed Mortgage Companies 0.81x
United States of America Market PB Ratio Median Figure of 5,156 Publicly-Listed Companies 1.26x

* Primary Listing of Perpetual Federal Savings Bank.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PB ratio to the industry average as no data exists.
X
Value checks
We assess Perpetual Federal Savings Bank's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Perpetual Federal Savings Bank has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Perpetual Federal Savings Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Perpetual Federal Savings Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
2.8%
Expected Mortgage industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Perpetual Federal Savings Bank expected to grow at an attractive rate?
  • Unable to compare Perpetual Federal Savings Bank's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Perpetual Federal Savings Bank's earnings growth to the United States of America market average as no estimate data is available.
  • Unable to compare Perpetual Federal Savings Bank's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:PFOH Future Growth Rates Data Sources
Data Point Source Value (per year)
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 2.8%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 1.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 12.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:PFOH Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:PFOH Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 12 6
2019-09-30 12 6
2019-06-30 12 6
2019-03-31 12 6
2018-12-31 12 6
2018-09-30 13 8 6
2018-06-30 12 6
2018-03-31 12 5
2017-12-31 12 5
2017-09-30 11 3 5
2017-06-30 11 5
2017-03-31 11 5

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Perpetual Federal Savings Bank is high growth as no earnings estimate data is available.
  • Unable to determine if Perpetual Federal Savings Bank is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:PFOH Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Perpetual Federal Savings Bank Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:PFOH Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 2.45
2019-09-30 2.48
2019-06-30 2.55
2019-03-31 2.56
2018-12-31 2.53
2018-09-30 2.44
2018-06-30 2.30
2018-03-31 2.22
2017-12-31 2.10
2017-09-30 2.08
2017-06-30 2.04
2017-03-31 2.04

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Perpetual Federal Savings Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Perpetual Federal Savings Bank's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  2. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Perpetual Federal Savings Bank's filings and announcements here.
  3. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Perpetual Federal Savings Bank's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Perpetual Federal Savings Bank has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Perpetual Federal Savings Bank performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Perpetual Federal Savings Bank's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Perpetual Federal Savings Bank's year on year earnings growth rate has been positive over the past 5 years.
  • Perpetual Federal Savings Bank's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Perpetual Federal Savings Bank's 1-year earnings growth is negative, it can't be compared to the US Mortgage industry average.
Earnings and Revenue History
Perpetual Federal Savings Bank's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Perpetual Federal Savings Bank Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:PFOH Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 11.61 6.05
2019-09-30 11.77 6.12
2019-06-30 12.13 6.31 2.22
2019-03-31 12.18 6.33 2.22
2018-12-31 12.29 6.27
2018-09-30 12.54 6.04 2.22
2018-06-30 12.17 5.67 2.09
2018-03-31 12.14 5.49 2.09
2017-12-31 11.86 5.18 2.09
2017-09-30 11.39 5.13 2.09
2017-06-30 11.34 5.06 2.07
2017-03-31 11.25 5.03 2.07
2016-12-31 11.36 5.06 2.07
2016-09-30 11.26 4.97 2.07
2016-06-30 11.21 5.09 1.85
2016-03-31 11.04 4.99 1.85
2015-12-31 10.97 5.00 1.85
2015-09-30 10.93 5.00 1.85
2015-06-30 10.81 4.89 1.81
2015-03-31 11.15 5.10 1.81
2014-12-31 7.62 2.77 1.81
2014-09-30 7.58 2.72 1.81
2014-06-30 7.51 2.58 1.82
2014-03-31 7.18 1.93 1.82
2013-12-31 10.60 4.13 1.82
2013-09-30 10.64 3.94 1.82
2013-06-30 10.85 3.74 1.71
2013-03-31 10.85 4.15 1.71

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Unable to establish if Perpetual Federal Savings Bank has efficiently used shareholders’ funds last year as no Return on Equity data is available.
  • Unable to establish if Perpetual Federal Savings Bank has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as past financial data has not been reported.
  • Unable to establish if Perpetual Federal Savings Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Perpetual Federal Savings Bank's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Perpetual Federal Savings Bank has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Perpetual Federal Savings Bank's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Perpetual Federal Savings Bank's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Perpetual Federal Savings Bank Company Filings, last reported 2 months ago.

OTCPK:PFOH Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31
2019-09-30
2019-06-30
2019-03-31
2018-12-31
2018-09-30 72.59 13.00 44.26
2018-06-30
2018-03-31
2017-12-31 69.47 13.00 41.94
2017-09-30 69.47 13.00 41.94
2017-06-30
2017-03-31
2016-12-31 67.20 18.50 50.53
2016-09-30 67.20 18.50 50.53
2016-06-30
2016-03-31
2015-12-31 64.25 8.00 33.90
2015-09-30 64.25 8.00 33.90
2015-06-30
2015-03-31
2014-12-31 61.15 8.00 53.44
2014-09-30 61.15 8.00 53.44
2014-06-30
2014-03-31
2013-12-31 60.21 8.00 60.19
2013-09-30 60.21 8.00 60.19
2013-06-30
2013-03-31
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Unable to establish if Perpetual Federal Savings Bank has an acceptable proportion of non-loan assets without balance sheet data.
  • Unable to establish if Perpetual Federal Savings Bank's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
  • Perpetual Federal Savings Bank reports no customer deposits, loans are made up entirely of borrowed funds.
  • Unable to establish if Perpetual Federal Savings Bank's level of assets compared to its equity is high without balance sheet data.
  • Unable to establish if Perpetual Federal Savings Bank has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Perpetual Federal Savings Bank has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess Perpetual Federal Savings Bank's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Perpetual Federal Savings Bank has a total score of 0/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Perpetual Federal Savings Bank's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
4.5%
Current annual income from Perpetual Federal Savings Bank dividends.
If you bought $2,000 of Perpetual Federal Savings Bank shares you are expected to receive $90 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Perpetual Federal Savings Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.98%).
  • Perpetual Federal Savings Bank's dividend is below the markets top 25% of dividend payers in United States of America (5.49%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:PFOH Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 88 Stocks 4.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1946 Stocks 3%
United States of America Minimum Threshold Dividend Yield 10th Percentile 1.1%
United States of America Bottom 25% Dividend Yield 25th Percentile 2%
United States of America Top 25% Dividend Yield 75th Percentile 5.5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:PFOH Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-01-25 1.180 4.013
2018-10-22 1.180 3.974
2017-12-26 1.160 3.936
2016-12-19 0.820 3.133
2015-12-21 0.800 3.708
2014-12-22 0.720 3.521
2013-08-02 0.680 3.563
2013-05-16 0.680 3.637
2013-01-29 0.680 4.124
2012-08-06 0.640 4.180

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Perpetual Federal Savings Bank has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Perpetual Federal Savings Bank only paid a dividend in the past 8 years.
Current Payout to shareholders
What portion of Perpetual Federal Savings Bank's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Perpetual Federal Savings Bank has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Perpetual Federal Savings Bank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Perpetual Federal Savings Bank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Perpetual Federal Savings Bank has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Perpetual Federal Savings Bank's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Michael Melvin
COMPENSATION $298,401
AGE 74
TENURE AS CEO 40.2 years
CEO Bio

Mr. Michael R. Melvin has served as Director, President and Chief Executive Officer of Perpetual Federal Savings Bank ("Perpetual ") since 1980. Mr. Melvin joined Perpetual in 1969, was elected Assistant Treasurer in 1970, Treasurer in 1973 and Executive Vice President in 1976. Mr. Melvin served as a Director of the Federal Home Loan Bank of Cincinnati.

CEO Compensation
  • Insufficient data for Michael to compare compensation growth.
  • Insufficient data for Michael to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Perpetual Federal Savings Bank management team in years:

17.2
Average Tenure
64
Average Age
  • The average tenure for the Perpetual Federal Savings Bank management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Michael Melvin

TITLE
President
COMPENSATION
$298K
AGE
74
TENURE
40.2 yrs

Chris Phelps

TITLE
Executive VP
COMPENSATION
$107K
AGE
64

Jared Riblet

TITLE
Treasurer
COMPENSATION
$54K
AGE
47
TENURE
17.2 yrs

Eric Warrick

TITLE
Internal Auditor & Compliance

Mary Heaston

TITLE
Senior Vice President
TENURE
2.2 yrs

Jennifer Miller

TITLE
Assistant Secretary
Board of Directors Tenure

Average tenure and age of the Perpetual Federal Savings Bank board of directors in years:

7.2
Average Tenure
67.5
Average Age
  • The tenure for the Perpetual Federal Savings Bank board of directors is about average.
Board of Directors

Steven Bohl

TITLE
Chairman of the Board
COMPENSATION
$18K
AGE
71
TENURE
4.9 yrs

Michael Melvin

TITLE
President
COMPENSATION
$298K
AGE
74
TENURE
40.2 yrs

Chris Phelps

TITLE
Executive VP
COMPENSATION
$107K
AGE
64
TENURE
0.2 yrs

Hobert Neiswander

TITLE
Independent Director
COMPENSATION
$18K
AGE
80
TENURE
33.2 yrs

Jesse Henson

TITLE
Independent Director
COMPENSATION
$18K
AGE
85
TENURE
33.2 yrs

M. Woodruff

TITLE
Independent Director
AGE
52
TENURE
7.2 yrs

David Vernon

TITLE
Independent Director
AGE
51
TENURE
7.2 yrs

Scott Fannin

TITLE
Director
AGE
50
TENURE
3.2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Perpetual Federal Savings Bank's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Perpetual Federal Savings Bank has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Perpetual Federal Savings Bank provides financial products and services in Ohio. The company accepts various demand, savings, and time deposits. It also provides mortgage loans secured by one to four-family residential properties, commercial and multi-family real estate loans, construction or development loans, consumer loans, and commercial business loans, as well as makes other investments. The company operates through its office in Urbana, Ohio. Perpetual Federal Savings Bank was founded in 1878 and is based in Urbana, Ohio.

Details
Name: Perpetual Federal Savings Bank
PFOH
Exchange: OTCPK
Founded: 1878
$64,837,500
2,470,000
Website: http://www.pfsb-urbana.com
Address: Perpetual Federal Savings Bank
120 North Main Street,
PO Box 71,
Urbana,
Ohio, 43078,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK PFOH Common Stock Pink Sheets LLC US USD 03. Jun 1992
Number of employees
Current staff
Staff numbers
0
Perpetual Federal Savings Bank employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/30 01:23
End of day share price update: 2020/03/27 00:00
Last earnings filing: 2020/01/28
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/09/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.