ALTA:NSD-Altabancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 32.20

Change

-0.05 (-0.16)%

Market Cap

USD 0.61B

Volume

0.07M

Average Target Price

USD 30.00 (-6.83%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Altabancorp operates as the bank holding company for Altabank, a state-chartered bank that provides retail and commercial banking products and services. The company accepts various deposits, such as checking, rewards checking, savings, and money market deposit accounts, as well as individual retirement accounts and certificates of deposit. Its loan products include commercial and residential real estate lending comprising acquisition and development loans, construction loans, and mortgage financing; commercial and industrial loans; consumer loans consisting of home equity loans, home improvement loans, automobile loans, debt consolidation loans, and general consumer lending; and SBA loans. The company also offers credit and debit cards; investment securities, such as U.S. Agency issues, mortgage-backed securities, and municipal bonds; and mobile and Internet banking, automatic teller machine, treasury management, remote deposit capture, bill pay, cashier's checks, money orders, and safe deposit services. It serves real estate developers and contractors, small to medium sized businesses, individuals, and professionals and professional firms through 26 retail branches located in Utah and southern Idaho. The company was formerly known as People's Utah Bancorp and changed its name to Altabancorp in July 2020. Altabancorp was founded in 1905 and is headquartered in American Fork, Utah.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-21 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.17 (-0.65%)

USD28.33B 36.55 N/A
SIVB SVB Financial Group

-7.12 (-1.54%)

USD23.98B 22.55 N/A
FITB Fifth Third Bancorp

-0.65 (-2.07%)

USD22.32B 15.64 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.17B 14.40 N/A
HBAN Huntington Bancshares Incorpor..

-0.17 (-1.16%)

USD15.01B 20.65 N/A
HBANO Huntington Bancshares Incorpor..

-0.02 (-0.08%)

USD13.20B 35.75 N/A
SBNY Signature Bank

-1.96 (-1.28%)

USD8.23B 16.17 N/A
CBSH Commerce Bancshares, Inc

-0.64 (-0.93%)

USD8.06B 25.63 N/A
ZION Zions Bancorporation, National..

-0.91 (-1.88%)

USD7.93B 15.99 N/A
PBCTP People's United Financial, Inc

+0.17 (+0.61%)

USD6.80B 24.33 N/A

ETFs Containing ALTA

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 15.33% 96% A 74% C
Dividend Return N/A N/A N/A N/A N/A
Total Return 15.33% 96% A 74% C
Trailing 12 Months  
Capital Gain 2,966.67% 100% A+ 99% A+
Dividend Return N/A N/A N/A N/A N/A
Total Return 2,966.67% 100% A+ 99% A+
Trailing 5 Years  
Capital Gain 973.33% 100% A+ 96% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 973.33% 100% A+ 96% A
Average Annual (5 Year Horizon)  
Capital Gain 869.10% 100% A+ 99% A+
Dividend Return 0.39% 6% F 9% F
Total Return 869.50% 100% A+ 99% A+
Risk Return Profile  
Volatility (Standard Deviation) 4,194.50% N/A N/A 1% F
Risk Adjusted Return 20.73% 56% F 47% F
Market Capitalization 0.61B 64% D 55% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.90 46% F 64% D
Price/Book Ratio 1.62 8% F 67% D+
Price / Cash Flow Ratio 11.07 43% F 34% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 12.93% 87% B+ 83% B
Return on Invested Capital -4.34% 2% F 38% F
Return on Assets 1.57% 93% A 65% D
Debt to Equity Ratio N/A N/A N/A N/A N/A
Technical Ratios  
Short Ratio 3.43 61% D- 42% F
Short Percent 0.84% 71% C- 83% B
Beta 0.98 44% F 62% D-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.