BEO Bancorp Logo

BEO Bancorp

BEOB

(2.5)
Stock Price

76,25 USD

1.66% ROA

25.02% ROE

6.19x PER

Market Cap.

64.094.000,00 USD

18.99% DER

1.58% Yield

29.76% NPM

BEO Bancorp Stock Analysis

BEO Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

BEO Bancorp Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.87%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 ROA

The stock's ROA (0.8%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (406) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 PBV

The stock's elevated P/BV ratio (4.91x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

8 DER

The company has a high debt to equity ratio (115%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

BEO Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

BEO Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

BEO Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

BEO Bancorp Revenue
Year Revenue Growth
2003 5.298.432
2004 7.792.646 32.01%
2005 8.562.326 8.99%
2006 9.399.547 8.91%
2007 15.552.952 39.56%
2013 15.072.255 -3.19%
2014 13.976.000 -7.84%
2015 19.871.761 29.67%
2016 20.122.320 1.25%
2017 21.507.221 6.44%
2018 23.043.589 6.67%
2019 27.830.599 17.2%
2020 30.932.910 10.03%
2021 33.571.402 7.86%
2022 36.967.561 9.19%
2023 51.008.858 27.53%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

BEO Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

BEO Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 2.290.850
2004 3.423.311 33.08%
2005 3.691.879 7.27%
2006 4.214.017 12.39%
2007 6.112.936 31.06%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1.084.536 100%
2020 386.486 -180.61%
2021 453.558 14.79%
2022 466.293 2.73%
2023 596.156 21.78%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

BEO Bancorp EBITDA
Year EBITDA Growth
2003 1.248.571
2004 2.248.023 44.46%
2005 2.138.222 -5.14%
2006 2.866.970 25.42%
2007 5.988.872 52.13%
2013 -369.725 1719.82%
2014 0 0%
2015 -260.705 100%
2016 -57.716 -351.7%
2017 -43.544 -32.55%
2018 -85.857 49.28%
2019 -57.205 -50.09%
2020 -277.239 79.37%
2021 1.123.120 124.68%
2022 1.079.885 -4%
2023 1.165.320 7.33%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

BEO Bancorp Gross Profit
Year Gross Profit Growth
2003 5.298.432
2004 7.792.646 32.01%
2005 8.562.326 8.99%
2006 9.399.547 8.91%
2007 15.552.952 39.56%
2013 15.072.255 -3.19%
2014 13.976.000 -7.84%
2015 19.871.761 29.67%
2016 20.122.320 1.25%
2017 21.507.221 6.44%
2018 23.043.589 6.67%
2019 27.830.599 17.2%
2020 30.932.910 10.03%
2021 33.571.402 7.86%
2022 36.967.561 9.19%
2023 51.008.858 27.53%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

BEO Bancorp Net Profit
Year Net Profit Growth
2003 688.724
2004 926.128 25.63%
2005 959.795 3.51%
2006 1.465.189 34.49%
2007 4.288.760 65.84%
2013 2.673.600 -60.41%
2014 1.900.000 -40.72%
2015 3.016.534 37.01%
2016 3.388.921 10.99%
2017 3.094.239 -9.52%
2018 3.948.803 21.64%
2019 4.278.476 7.71%
2020 5.613.695 23.79%
2021 7.010.372 19.92%
2022 8.678.456 19.22%
2023 14.269.576 39.18%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

BEO Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 1 100%
2005 1 0%
2006 2 0%
2007 2 0%
2013 2 50%
2014 2 -100%
2015 2 50%
2016 3 0%
2017 3 0%
2018 3 33.33%
2019 4 0%
2020 5 25%
2021 6 20%
2022 7 28.57%
2023 12 36.36%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

BEO Bancorp Free Cashflow
Year Free Cashflow Growth
2003 953.966
2004 1.307.143 27.02%
2005 2.193.407 40.41%
2006 2.286.456 4.07%
2007 0 0%
2013 5.717.871 100%
2014 0 0%
2015 2.436.106 100%
2016 3.944.092 38.23%
2017 3.566.145 -10.6%
2018 4.687.017 23.91%
2019 9.478.314 50.55%
2020 7.692.642 -23.21%
2021 8.752.473 12.11%
2022 4.956.951 -76.57%
2023 12.542.829 60.48%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

BEO Bancorp Operating Cashflow
Year Operating Cashflow Growth
2003 1.425.017
2004 2.128.878 33.06%
2005 2.906.278 26.75%
2006 2.788.453 -4.23%
2007 0 0%
2013 6.220.502 100%
2014 0 0%
2015 4.926.498 100%
2016 4.585.016 -7.45%
2017 4.550.348 -0.76%
2018 5.302.977 14.19%
2019 10.922.041 51.45%
2020 8.102.947 -34.79%
2021 9.016.308 10.13%
2022 8.698.534 -3.65%
2023 13.898.989 37.42%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

BEO Bancorp Capital Expenditure
Year Capital Expenditure Growth
2003 471.051
2004 821.735 42.68%
2005 712.871 -15.27%
2006 501.997 -42.01%
2007 0 0%
2013 502.631 100%
2014 0 0%
2015 2.490.392 100%
2016 640.924 -288.56%
2017 984.203 34.88%
2018 615.960 -59.78%
2019 1.443.727 57.34%
2020 410.305 -251.87%
2021 263.835 -55.52%
2022 3.741.583 92.95%
2023 1.356.160 -175.9%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

BEO Bancorp Equity
Year Equity Growth
2003 7.699.474
2004 7.931.180 2.92%
2005 8.016.290 1.06%
2006 9.349.997 14.26%
2007 31.846.352 70.64%
2013 22.930.359 -38.88%
2014 24.947.000 8.08%
2015 27.851.275 10.43%
2016 29.741.120 6.35%
2017 31.724.567 6.25%
2018 34.579.716 8.26%
2019 37.653.893 8.16%
2020 41.935.160 10.21%
2021 47.929.908 12.51%
2022 49.985.576 4.11%
2023 64.101.118 22.02%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

BEO Bancorp Assets
Year Assets Growth
2003 150.875.392
2004 162.030.261 6.88%
2005 174.991.145 7.41%
2006 184.375.521 5.09%
2007 330.434.715 44.2%
2013 299.083.645 -10.48%
2014 325.898.000 8.23%
2015 357.936.859 8.95%
2016 382.963.359 6.53%
2017 415.184.093 7.76%
2018 415.116.204 -0.02%
2019 493.396.505 15.87%
2020 667.733.057 26.11%
2021 822.350.630 18.8%
2022 890.658.017 7.67%
2023 861.268.756 -3.41%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

BEO Bancorp Liabilities
Year Liabilities Growth
2003 143.175.918
2004 154.099.081 7.09%
2005 166.974.855 7.71%
2006 175.025.524 4.6%
2007 992.744 -17530.48%
2013 276.153.286 99.64%
2014 7.217.000 -3726.43%
2015 330.085.584 97.81%
2016 353.222.239 6.55%
2017 383.459.526 7.89%
2018 380.536.488 -0.77%
2019 455.742.612 16.5%
2020 625.797.897 27.17%
2021 774.420.722 19.19%
2022 840.672.441 7.88%
2023 797.167.638 -5.46%

BEO Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
42.18
Net Income per Share
11.8
Price to Earning Ratio
6.19x
Price To Sales Ratio
1.26x
POCF Ratio
6.35
PFCF Ratio
5.11
Price to Book Ratio
1.38
EV to Sales
0.2
EV Over EBITDA
8.61
EV to Operating CashFlow
0.72
EV to FreeCashFlow
0.8
Earnings Yield
0.16
FreeCashFlow Yield
0.2
Market Cap
0,06 Bil.
Enterprise Value
0,01 Bil.
Graham Number
118.64
Graham NetNet
-630.97

Income Statement Metrics

Net Income per Share
11.8
Income Quality
0.98
ROE
0.25
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.76
EBT Per Ebit
0.83
Ebit per Revenue
0.47
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1.06
Operating Profit Margin
0.47
Pretax Profit Margin
0.39
Net Profit Margin
0.3

Dividends

Dividend Yield
0.02
Dividend Yield %
1.58
Payout Ratio
0.1
Dividend Per Share
1.15

Operating Metrics

Operating Cashflow per Share
11.49
Free CashFlow per Share
10.37
Capex to Operating CashFlow
0.1
Capex to Revenue
0.03
Capex to Depreciation
1.16
Return on Invested Capital
0.19
Return on Tangible Assets
0.02
Days Sales Outstanding
57.07
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
6.4
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.12

Balance Sheet

Cash per Share
53,24
Book Value per Share
53,01
Tangible Book Value per Share
52.32
Shareholders Equity per Share
53.01
Interest Debt per Share
12.59
Debt to Equity
0.19
Debt to Assets
0.01
Net Debt to EBITDA
-46.39
Current Ratio
0.29
Tangible Asset Value
0,06 Bil.
Net Current Asset Value
-0,72 Bil.
Invested Capital
-171178212
Working Capital
-0,18 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-124982705.5
Debt to Market Cap
0.19

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

BEO Bancorp Dividends
Year Dividends Growth
2007 1
2008 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%

BEO Bancorp Profile

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, savings, money market, time deposits, and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, farm, and refinancing loans; lines of credit; Internet banking and bill payment services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. BEO Bancorp was founded in 1945 and is based in Heppner, Oregon.

CEO
Mr. Jeffery L. Bailey
Employee
83
Address
279 North Main
Heppner, 97836

BEO Bancorp Executives & BODs

BEO Bancorp Executives & BODs
# Name Age
1 Mr. Jeffery L. Bailey
President, Chief Executive Officer & Director
70
2 Mr. Mark D. Lemmon
Executive Vice President, Chief Financial Officer & Secretary
70
3 Ms. Jill Martin
Vice President & HR Manager
70
4 Ms. Rebecca K. Kindle
Executive Vice President & Chief Operating Officer
70
5 Mr. Edward C. Rollins Sr.
Executive Vice President & Chief Credit Officer
70
6 Mr. John Qualls
Executive Vice President & Chief Lending Officer
70

BEO Bancorp Competitors