Blackhawk Bancorp, Inc. Logo

Blackhawk Bancorp, Inc.

BHWB

(3.0)
Stock Price

33,35 USD

0.79% ROA

12.82% ROE

9.48x PER

Market Cap.

96.574.897,00 USD

35.8% DER

0% Yield

23.31% NPM

Blackhawk Bancorp, Inc. Stock Analysis

Blackhawk Bancorp, Inc. 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.

Blackhawk Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.64%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a low debt to equity ratio (36%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

5 ROA

The stock's ROA (1.06%) 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 PBV

The stock's PBV ratio (1.19x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (160), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Blackhawk Bancorp, Inc. 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.

Blackhawk Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Blackhawk Bancorp, Inc. 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.

Blackhawk Bancorp, Inc. Revenue
Year Revenue Growth
1999 12.200.000
2000 11.895.000 -2.56%
2001 13.249.000 10.22%
2002 13.811.000 4.07%
2003 14.019.000 1.48%
2004 18.501.000 24.23%
2005 16.863.000 -9.71%
2006 17.071.000 1.22%
2007 17.874.000 4.49%
2011 27.214.000 34.32%
2012 30.132.000 9.68%
2013 30.657.000 1.71%
2014 25.302.000 -21.16%
2015 28.648.000 11.68%
2016 31.641.000 9.46%
2017 31.757.000 0.37%
2018 37.711.000 15.79%
2019 47.238.000 20.17%
2020 55.949.000 15.57%
2021 56.331.000 0.68%
2022 56.508.000 0.31%
2023 57.292.000 1.37%

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.

Blackhawk Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2011 0 0%
2012 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.

Blackhawk Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 4.800.000
2000 4.858.000 1.19%
2001 5.195.000 6.49%
2002 5.388.000 3.58%
2003 6.010.000 10.35%
2004 7.373.000 18.49%
2005 7.306.000 -0.92%
2006 6.936.000 -5.33%
2007 0 0%
2011 13.623.000 100%
2012 15.092.000 9.73%
2013 15.263.000 1.12%
2014 14.846.000 -2.81%
2015 15.178.000 2.19%
2016 14.501.000 -4.67%
2017 15.765.000 8.02%
2018 18.803.000 16.16%
2019 23.897.000 21.32%
2020 25.271.000 5.44%
2021 27.561.000 8.31%
2022 24.673.000 -11.71%
2023 24.568.000 -0.43%

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.

Blackhawk Bancorp, Inc. EBITDA
Year EBITDA Growth
1999 2.900.000
2000 835.000 -247.31%
2001 2.643.000 68.41%
2002 3.100.000 14.74%
2003 3.606.000 14.03%
2004 5.958.000 39.48%
2005 2.599.000 -129.24%
2006 3.262.000 20.32%
2007 3.436.000 5.06%
2011 3.795.000 9.46%
2012 4.133.000 8.18%
2013 5.898.000 29.93%
2014 3.208.000 -83.85%
2015 6.100.000 47.41%
2016 9.305.000 34.44%
2017 8.347.000 -11.48%
2018 16.040.000 47.96%
2019 14.254.000 -12.53%
2020 16.033.000 11.1%
2021 19.743.000 18.79%
2022 23.720.000 16.77%
2023 17.436.000 -36.04%

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.

Blackhawk Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1999 12.200.000
2000 11.895.000 -2.56%
2001 13.249.000 10.22%
2002 13.811.000 4.07%
2003 14.019.000 1.48%
2004 18.501.000 24.23%
2005 16.863.000 -9.71%
2006 17.071.000 1.22%
2007 17.874.000 4.49%
2011 27.214.000 34.32%
2012 30.132.000 9.68%
2013 30.657.000 1.71%
2014 25.302.000 -21.16%
2015 28.648.000 11.68%
2016 31.641.000 9.46%
2017 31.757.000 0.37%
2018 37.711.000 15.79%
2019 47.238.000 20.17%
2020 55.949.000 15.57%
2021 56.331.000 0.68%
2022 56.508.000 0.31%
2023 57.292.000 1.37%

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.

Blackhawk Bancorp, Inc. Net Profit
Year Net Profit Growth
1999 1.100.000
2000 -283.000 488.69%
2001 864.000 132.75%
2002 1.236.000 30.1%
2003 1.211.000 -2.06%
2004 2.657.000 54.42%
2005 1.956.000 -35.84%
2006 2.256.000 13.3%
2007 2.291.000 1.53%
2011 2.426.000 5.56%
2012 2.912.000 16.69%
2013 3.915.000 25.62%
2014 2.252.000 -73.85%
2015 3.919.000 42.54%
2016 5.978.000 34.44%
2017 6.200.000 3.58%
2018 8.142.000 23.85%
2019 9.604.000 15.22%
2020 10.847.000 11.46%
2021 13.619.000 20.35%
2022 13.635.000 0.12%
2023 12.776.000 -6.72%

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.

Blackhawk Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 0 0%
2002 1 0%
2003 0 0%
2004 1 100%
2005 1 0%
2006 1 100%
2007 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 2 100%
2016 3 50%
2017 2 0%
2018 2 0%
2019 3 0%
2020 3 33.33%
2021 4 25%
2022 5 0%
2023 4 0%

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.

Blackhawk Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1999 4.400.000
2000 2.594.000 -69.62%
2001 720.000 -260.28%
2002 4.876.000 85.23%
2003 2.037.000 -139.37%
2004 1.004.000 -102.89%
2005 0 0%
2006 0 0%
2011 5.172.000 100%
2012 3.465.000 -49.26%
2013 7.247.000 52.19%
2014 -21.000 34609.52%
2015 3.777.000 100.56%
2016 7.686.000 50.86%
2017 4.265.000 -80.21%
2018 -927.000 560.09%
2019 9.605.000 109.65%
2020 17.486.000 45.07%
2021 10.456.000 -67.23%
2022 12.451.000 16.02%

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.

Blackhawk Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 5.100.000
2000 3.036.000 -67.98%
2001 1.611.000 -88.45%
2002 5.734.000 71.9%
2003 3.470.000 -65.24%
2004 1.198.000 -189.65%
2005 0 0%
2006 0 0%
2011 5.578.000 100%
2012 3.935.000 -41.75%
2013 8.723.000 54.89%
2014 462.000 -1788.1%
2015 4.104.000 88.74%
2016 9.078.000 54.79%
2017 7.961.000 -14.03%
2018 4.105.000 -93.93%
2019 12.356.000 66.78%
2020 18.458.000 33.06%
2021 12.556.000 -47.01%
2022 13.342.000 5.89%

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.

Blackhawk Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 700.000
2000 442.000 -58.37%
2001 891.000 50.39%
2002 858.000 -3.85%
2003 1.433.000 40.13%
2004 194.000 -638.66%
2005 0 0%
2006 0 0%
2011 406.000 100%
2012 470.000 13.62%
2013 1.476.000 68.16%
2014 483.000 -205.59%
2015 327.000 -47.71%
2016 1.392.000 76.51%
2017 3.696.000 62.34%
2018 5.032.000 26.55%
2019 2.751.000 -82.92%
2020 972.000 -183.02%
2021 2.100.000 53.71%
2022 891.000 -135.69%

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.

Blackhawk Bancorp, Inc. Equity
Year Equity Growth
1999 23.300.000
2000 22.995.000 -1.33%
2001 23.741.000 3.14%
2002 32.798.000 27.61%
2003 25.763.000 -27.31%
2004 27.333.000 5.74%
2005 22.247.000 -22.86%
2006 24.208.000 8.1%
2007 24.493.000 1.16%
2011 44.036.000 44.38%
2012 47.824.000 7.92%
2013 48.302.000 0.99%
2014 42.036.000 -14.91%
2015 45.149.000 6.89%
2016 49.550.000 8.88%
2017 78.134.000 36.58%
2018 84.292.000 7.31%
2019 97.324.000 13.39%
2020 111.755.000 12.91%
2021 101.159.000 -10.47%
2022 76.061.000 -33%
2023 80.520.000 5.54%

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.

Blackhawk Bancorp, Inc. Assets
Year Assets Growth
1999 295.700.000
2000 327.171.000 9.62%
2001 330.275.000 0.94%
2002 352.377.000 6.27%
2003 425.185.000 17.12%
2004 425.596.000 0.1%
2005 422.988.000 -0.62%
2006 439.518.000 3.76%
2007 464.673.000 5.41%
2011 558.987.000 16.87%
2012 559.759.000 0.14%
2013 583.440.000 4.06%
2014 581.473.000 -0.34%
2015 602.512.000 3.49%
2016 665.728.000 9.5%
2017 720.621.000 7.62%
2018 817.287.000 11.83%
2019 963.861.000 15.21%
2020 1.141.599.000 15.57%
2021 1.341.238.000 14.88%
2022 1.321.798.000 -1.47%
2023 1.305.547.000 -1.24%

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.

Blackhawk Bancorp, Inc. Liabilities
Year Liabilities Growth
1999 272.400.000
2000 304.176.000 10.45%
2001 306.534.000 0.77%
2002 319.579.000 4.08%
2003 399.422.000 19.99%
2004 398.263.000 -0.29%
2005 400.741.000 0.62%
2006 415.310.000 3.51%
2007 440.180.000 5.65%
2011 33.284.000 -1222.5%
2012 14.968.000 -122.37%
2013 21.412.000 30.1%
2014 20.255.000 -5.71%
2015 31.005.000 34.67%
2016 39.955.000 22.4%
2017 642.487.000 93.78%
2018 732.995.000 12.35%
2019 29.155.000 -2414.13%
2020 31.988.000 8.86%
2021 36.053.000 11.28%
2022 47.578.000 24.22%
2023 28.830.000 -65.03%

Blackhawk Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.1
Net Income per Share
3.52
Price to Earning Ratio
9.48x
Price To Sales Ratio
2.22x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.19
EV to Sales
1.94
EV Over EBITDA
4.7
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,10 Bil.
Enterprise Value
0,08 Bil.
Graham Number
47.05
Graham NetNet
146.15

Income Statement Metrics

Net Income per Share
3.52
Income Quality
0
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.79
EBT Per Ebit
0.73
Ebit per Revenue
0.41
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.41
Pretax Profit Margin
0.3
Net Profit Margin
0.23

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.13
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
156,16
Book Value per Share
27,95
Tangible Book Value per Share
438.03
Shareholders Equity per Share
27.95
Interest Debt per Share
13.05
Debt to Equity
0.36
Debt to Assets
0.02
Net Debt to EBITDA
-0.67
Current Ratio
0
Tangible Asset Value
1,26 Bil.
Net Current Asset Value
0,42 Bil.
Invested Capital
0.36
Working Capital
0,45 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.3

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.

Blackhawk Bancorp, Inc. Dividends
Year Dividends Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 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%

Blackhawk Bancorp, Inc. Profile

About Blackhawk Bancorp, Inc.

Blackhawk Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. The company offers personal banking products and services, including checking, savings, health savings, and money market accounts, as well as certificates of deposit; personal, auto, student, and home improvement and equity loans; and lines of credit and credit cards. It also provides business banking products and services, such as business checking, business interest checking, business sweep, small business checking, business NOW, health savings, and money market accounts; commercial, development, term, equipment/fixed asset, and small business administration loans; lines and letters of credit; receivables financing; and corporate credit cards, as well as treasury management solutions. In addition, the company offers payments and transfer, mortgages lending, financial planning, wealth management, security brokerage, investment management, commercial banking, and online and mobile banking services, as well as installment loans. It serves individual, corporate, institutional, and governmental customers through its 11 full-services banking centers in northern Illinois and southern Wisconsin. The company was founded in 1881 and is headquartered in Beloit, Wisconsin.

CEO
Mr. Todd J. James
Employee
0
Address
400 Broad Street
Beloit, 53512-0719

Blackhawk Bancorp, Inc. Executives & BODs

Blackhawk Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Todd J. James
Chairman, Chief Executive Officer & Pres
70
2 Mr. Matthew McDonnell
Senior Vice President & Chief Financial Officer
70
3 Mr. David K. Adkins
Chief Operating Officer & Director
70
4 Ms. Phyllis Oldenburg
Executive Vice President of Operations & Technology
70
5 Ms. Stephanie Meier
Senior Vice President of Marketing & Communications
70
6 Ms. Jeanine Woyner
Senior Vice President of HR
70
7 Mr. Todd L. Larson
Executive Vice President & Chief Credit Officer
70
8 Mr. Andy Williams
Senior Vice President & Sr. Leader of Bus. Banking
70
9 Ms. Tammy Zurfluh
Senior Vice President of Mortgage Banking
70
10 Mr. Mathew Reynolds
Senior Vice President of Retail Banking
70

Blackhawk Bancorp, Inc. Competitors