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Traditions Bancorp, Inc. (TRBK)
Key financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 24 | 28 | 35 | 34 | 32 | 32 | 47 |
| Operating profit | $m | 9 | -10 | |||||
| Net profit | $m | 5 | 5 | 8 | 8 | 6 | 5 | 3 |
| EPS reported | $ | 1.77 | 1.11 | |||||
| Operating cashflow per share | $ | 4.12 | 4.12 | |||||
| Capex per share | $ | 0.39 | 0.39 | |||||
| FCF per share | $ | 3.73 | 3.73 | |||||
| Free cash flow | $m | 10 | 2 | |||||
| Net debt | $m | 20 | 22 | |||||
| Book value equity | $m | 64 | 67 | |||||
| Book value per share | $ | 22.89 | 24.08 | |||||
| Number of shares | m | 2.79 | 2.77 | |||||
| DPS (TTM paid) | $ | 0.32 | 0.00 |
Financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 10.96 | - | |||||
| P/B LTM | x | 0.85 | 1.21 | |||||
| P/S LTM | x | 1.71 | 1.73 | |||||
| P/FCF LTM | x | 5.20 | 33.49 | |||||
| EV/EBITDA LTM | x | 10.39 | 26.55 | |||||
| EV/Sales LTM | x | 1.67 | 2.21 | |||||
| Earnings Yield LTM | % | 9.12% | 6.01% | |||||
| FCF Yield | % | 19.23% | 2.99% | |||||
| Quality | ||||||||
| ROE | % | 7.73% | 8.16% | |||||
| ROIC | % | 1.84% | 1.84% | |||||
| Operating margin | % | 20.47% | 20.47% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 22.58% | 22.58% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -11.50% | -41.88% | |||||
| Sales Growth YoY | % | -0.54% | +8.74% | |||||
| Net Income Growth YoY | % | -14.22% | -42.81% | |||||
| FCF Growth | % | +420.39% | -56.83% | |||||
| Operating Profit Growth | % | +33.76% | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.63% | 0.00% | |||||
| Dividend Growth | % | +33.33% | -100.00% | |||||
| Payout Ratio | % | 17.83% | 17.83% | |||||
| FCF/Debt | x | 0.29 | 0.06 | |||||
| Net Debt/EBITDA | x | 3.08 | 3.08 | |||||
| EBIT/Net interest | x | 0.65 | 0.65 | |||||
| Net debt/market cap | % | 37.38% | 27.83% | |||||
| Net debt/Equity | x | 0.32 | 0.34 | |||||
| Gross debt/equity | x | 0.56 | 0.60 | |||||
Company overview
Traditions Bancorp, Inc. acts as the parent organization for Traditions Bank, a financial institution that provides a full spectrum of banking services within the Central Pennsylvania market. The bank offers a variety of deposit options, including personal and business checking and savings accounts, money market accounts, specialized youth savings programs, certificates of deposit (CDs), and individual retirement accounts (IRAs). Customers can also access personal and business credit cards. Its extensive lending portfolio features diverse loan products such as COVID-19 relief, term, government-guaranteed, home equity, swing/bridge, personal, student, and auto loans, in addition to lines of credit and both commercial and residential mortgages. Furthermore, Traditions Bank embraces modern convenience with online, mobile, and telephone banking services, complemented by digital offerings like bill payment, e-statements, and e-bills. The company also provides numerous ancillary services, including overdraft protection, safe deposit boxes, wire transfers, merchant services, night depository, remote deposit capture, fraud prevention, e-giving, and ACH direct deposit and payment capabilities. Founded in 2002, Traditions Bancorp, Inc. is headquartered in York, Pennsylvania.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Traditions Bancorp, Inc. (TRBK)
Traditions Bancorp, Inc. acts as the parent organization for Traditions Bank, a financial institution that provides a full spectrum of banking services within the Central Pennsylvania market. The bank offers a variety of deposit options, including personal and business checking and savings accounts, money market accounts, specialized youth savings programs, certificates of deposit (CDs), and individual retirement accounts (IRAs). Customers can also access personal and business credit cards. Its extensive lending portfolio features diverse loan products such as COVID-19 relief, term, government-guaranteed, home equity, swing/bridge, personal, student, and auto loans, in addition to lines of credit and both commercial and residential mortgages. Furthermore, Traditions Bank embraces modern convenience with online, mobile, and telephone banking services, complemented by digital offerings like bill payment, e-statements, and e-bills. The company also provides numerous ancillary services, including overdraft protection, safe deposit boxes, wire transfers, merchant services, night depository, remote deposit capture, fraud prevention, e-giving, and ACH direct deposit and payment capabilities. Founded in 2002, Traditions Bancorp, Inc. is headquartered in York, Pennsylvania.
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