Bank of Idaho Holding Company Logo

Bank of Idaho Holding Company

BOID

(3.2)
Stock Price

33,35 USD

0.81% ROA

9.58% ROE

13.34x PER

Market Cap.

79.898.470,00 USD

69.3% DER

0% Yield

16.56% NPM

Bank of Idaho Holding Company Stock Analysis

Bank of Idaho Holding Company 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.

Bank of Idaho Holding Company Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (28%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Revenue Growth

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

3 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

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 ROE

ROE in an average range (6.64%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.69%) 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.

7 PBV

The stock's PBV ratio (1.02x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

8 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (206) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Bank of Idaho Holding Company 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.

Bank of Idaho Holding Company Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

Bank of Idaho Holding Company 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.

Bank of Idaho Holding Company Revenue
Year Revenue Growth
2016 18.456.912
2017 18.131.280 -1.8%
2018 18.992.476 4.53%
2019 22.452.057 15.41%
2020 29.960.351 25.06%
2021 34.382.577 12.86%
2022 40.948.419 16.03%
2023 53.796.000 23.88%
2023 63.564.119 15.37%
2024 79.668.000 20.21%

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.

Bank of Idaho Holding Company Research and Development Expenses
Year Research and Development Expenses Growth
2016 0
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 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.

Bank of Idaho Holding Company General and Administrative Expenses
Year General and Administrative Expenses Growth
2016 0
2017 0 0%
2018 10.446.166 100%
2019 13.827.722 24.45%
2020 16.751.415 17.45%
2021 19.372.868 13.53%
2022 21.123.618 8.29%
2023 22.048.000 4.19%
2023 26.221.829 15.92%
2024 21.512.000 -21.89%

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.

Bank of Idaho Holding Company EBITDA
Year EBITDA Growth
2016 540.710
2017 522.978 -3.39%
2018 4.202.768 87.56%
2019 3.476.649 -20.89%
2020 5.910.036 41.17%
2021 9.542.936 38.07%
2022 10.395.133 8.2%
2023 14.232.000 26.96%
2023 571.000 -2392.47%
2024 -572.000 199.83%

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.

Bank of Idaho Holding Company Gross Profit
Year Gross Profit Growth
2016 18.456.912
2017 18.131.280 -1.8%
2018 18.992.476 4.53%
2019 22.452.057 15.41%
2020 29.960.351 25.06%
2021 34.382.577 12.86%
2022 40.948.419 16.03%
2023 53.796.000 23.88%
2023 63.565.000 15.37%
2024 79.668.000 20.21%

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.

Bank of Idaho Holding Company Net Profit
Year Net Profit Growth
2016 4.451.805
2017 3.703.162 -20.22%
2018 3.672.387 -0.84%
2019 2.714.057 -35.31%
2020 3.260.496 16.76%
2021 6.006.079 45.71%
2022 6.044.174 0.63%
2023 10.288.000 41.25%
2023 8.511.652 -20.87%
2024 10.344.000 17.71%

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.

Bank of Idaho Holding Company Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2016 3
2017 2 0%
2018 1 -100%
2019 1 0%
2020 1 0%
2021 2 50%
2022 2 -100%
2023 2 50%
2023 2 -100%
2024 2 50%

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.

Bank of Idaho Holding Company Free Cashflow
Year Free Cashflow Growth
2016 2.184.432
2017 2.543.225 14.11%
2018 7.825.470 67.5%
2019 -9.547.909 181.96%
2020 -13.037.684 26.77%
2021 18.708.485 169.69%
2022 18.535.065 -0.94%
2023 10.868.232 -70.54%
2024 0 0%

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.

Bank of Idaho Holding Company Operating Cashflow
Year Operating Cashflow Growth
2016 2.358.107
2017 2.696.369 12.55%
2018 8.338.413 67.66%
2019 -8.274.912 200.77%
2020 -12.244.195 32.42%
2021 18.986.012 164.49%
2022 21.534.779 11.84%
2023 12.729.759 -69.17%
2024 0 0%

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.

Bank of Idaho Holding Company Capital Expenditure
Year Capital Expenditure Growth
2016 173.675
2017 153.144 -13.41%
2018 512.943 70.14%
2019 1.272.997 59.71%
2020 793.489 -60.43%
2021 277.527 -185.91%
2022 2.999.714 90.75%
2023 1.861.527 -61.14%
2024 0 0%

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.

Bank of Idaho Holding Company Equity
Year Equity Growth
2016 30.280.764
2017 32.347.440 6.39%
2018 33.791.091 4.27%
2019 50.698.800 33.35%
2020 57.214.160 11.39%
2021 61.268.188 6.62%
2022 106.721.786 42.59%
2023 115.694.847 7.76%
2023 109.785.000 -5.38%
2024 121.486.000 9.63%

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.

Bank of Idaho Holding Company Assets
Year Assets Growth
2016 291.922.856
2017 321.131.785 9.1%
2018 333.946.035 3.84%
2019 405.251.915 17.6%
2020 575.779.351 29.62%
2021 737.576.737 21.94%
2022 979.891.694 24.73%
2023 1.137.515.965 13.86%
2023 1.057.035.000 -7.61%
2024 1.285.670.000 17.78%

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.

Bank of Idaho Holding Company Liabilities
Year Liabilities Growth
2016 261.642.092
2017 288.784.345 9.4%
2018 2.936.423 -9734.56%
2019 354.553.115 99.17%
2020 518.565.191 31.63%
2021 676.308.549 23.32%
2022 873.169.908 22.55%
2023 1.021.821.118 14.55%
2023 30.151.000 -3289.01%
2024 1.164.183.000 97.41%

Bank of Idaho Holding Company Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.58
Net Income per Share
2.32
Price to Earning Ratio
13.34x
Price To Sales Ratio
1.16x
POCF Ratio
240.15
PFCF Ratio
139.68
Price to Book Ratio
1.13
EV to Sales
0.93
EV Over EBITDA
17.37
EV to Operating CashFlow
112.39
EV to FreeCashFlow
112.39
Earnings Yield
0.07
FreeCashFlow Yield
0.01
Market Cap
0,08 Bil.
Enterprise Value
0,06 Bil.
Graham Number
37.87
Graham NetNet
-215.45

Income Statement Metrics

Net Income per Share
2.32
Income Quality
0.06
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
1.69
Ebit per Revenue
0.13
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.1
Operating Profit Margin
0.13
Pretax Profit Margin
0.23
Net Profit Margin
0.17

Dividends

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

Operating Metrics

Operating Cashflow per Share
0.13
Free CashFlow per Share
0.13
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
35.46
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
10.29
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
58,63
Book Value per Share
27,42
Tangible Book Value per Share
25.9
Shareholders Equity per Share
27.42
Interest Debt per Share
23.1
Debt to Equity
0.69
Debt to Assets
0.07
Net Debt to EBITDA
-4.22
Current Ratio
0.39
Tangible Asset Value
0,11 Bil.
Net Current Asset Value
-1,05 Bil.
Invested Capital
-148673000
Working Capital
-0,17 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-48811500
Debt to Market Cap
1.05

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.

Bank of Idaho Holding Company Dividends
Year Dividends Growth

Bank of Idaho Holding Company Profile

About Bank of Idaho Holding Company

Bank of Idaho Holding Company operates as the holding company for Bank of Idaho that provides personal and business banking products and services in Idaho. The company offers checking and savings, and money market accounts, as well as individual retirement accounts, certificate of deposit, and various accounts and deposits; and auto, home, recreational vehicle, personal, agriculture, small business administration and FSA, commercial real estate, term operating capital, term equipment, and home equity loans, as well as lines of credit, letters of credit, and debit and credit cards. It also provides automated clearing house payments and debits, bill payments, remote and mobile deposits, sweep accounts, trusts, investment management and custody accounts, estate planning, annuities, 401(k), safe deposit boxes, digital wallet, teller, and wire transfer services, as well as online, mobile, text, and telephone banking services. The company has banking locations in Idaho Falls, Idaho; Ashton, Idaho; Pocatello, Idaho; St. Anthony, Idaho; Island Park, Idaho; Boise, Idaho; and Nampa, Idaho, as well as a mortgage origination office in Twin Falls, Idaho. The company was incorporated in 1985 and is based in Idaho Falls, Idaho.

CEO
Mr. Jeffrey K. Newgard
Employee
211
Address
350 Memorial Drive
Idaho Falls, 83402

Bank of Idaho Holding Company Executives & BODs

Bank of Idaho Holding Company Executives & BODs
# Name Age
1 Ms. Shanon L. Taylor
Senior Vice President of Administration & Corporate Secretary
70
2 Mr. Caleb Dimick
Senior Vice President & Chief Banking Officer
70
3 Mr. Jeffrey K. Newgard
Chairman, President & Chief Executive Officer
70
4 Mr. Brian Kouhdari
Executive Vice President, Treasurer & Chief Financial Officer
70

Bank of Idaho Holding Company Competitors