Killbuck Bancshares, Inc. Logo

Killbuck Bancshares, Inc.

KLIB

(2.8)
Stock Price

110,00 USD

1.02% ROA

16.37% ROE

6.65x PER

Market Cap.

58.743.769,00 USD

134.65% DER

4.24% Yield

23.31% NPM

Killbuck Bancshares, Inc. Stock Analysis

Killbuck Bancshares, 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.

Killbuck Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (3%), which means it has a small amount of debt compared to the ownership it holds

2 Assets Growth

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

3 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.

4 ROE

ROE in an average range (6.47%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.66%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.96x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

8 Buffet Intrinsic Value

The company's stock seems undervalued (571) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Revenue Growth

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

10 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.

11 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

Killbuck Bancshares, 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.

Killbuck Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Buy
4 Stoch RSI Sell

Killbuck Bancshares, 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.

Killbuck Bancshares, Inc. Revenue
Year Revenue Growth
1999 9.500.000
2000 10.622.111 10.56%
2001 10.517.345 -1%
2002 11.004.280 4.42%
2003 11.385.686 3.35%
2004 11.783.927 3.38%
2005 13.713.758 14.07%
2006 15.425.757 11.1%
2007 15.094.024 -2.2%
2008 14.149.841 -6.67%
2009 13.060.957 -8.34%
2010 12.887.934 -1.34%
2011 12.528.513 -2.87%
2012 12.540.716 0.1%
2013 13.857 -90400.95%
2014 14.495 4.4%
2015 15.977 9.28%
2019 22.988.657 99.93%
2020 23.504.993 2.2%
2021 23.108.369 -1.72%
2022 26.587.535 13.09%
2023 37.058.952 28.26%

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.

Killbuck Bancshares, 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%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 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.

Killbuck Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 2.600.000
2000 2.827.003 8.03%
2001 3.167.553 10.75%
2002 3.401.327 6.87%
2003 3.719.307 8.55%
2004 3.987.149 6.72%
2005 4.288.850 7.03%
2006 4.543.331 5.6%
2007 4.757.261 4.5%
2008 4.942.680 3.75%
2009 5.005.181 1.25%
2010 4.902.669 -2.09%
2011 5.232.176 6.3%
2012 6.635.032 21.14%
2013 0 0%
2014 0 0%
2015 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

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.

Killbuck Bancshares, Inc. EBITDA
Year EBITDA Growth
1999 4.300.000
2000 4.782.224 10.08%
2001 4.392.523 -8.87%
2002 4.662.207 5.78%
2003 4.492.993 -3.77%
2004 4.795.616 6.31%
2005 6.007.040 20.17%
2006 7.509.994 20.01%
2007 7.157.412 -4.93%
2008 5.999.343 -19.3%
2009 5.028.747 -19.3%
2010 3.903.554 -28.82%
2011 3.921.753 0.46%
2012 4.058.944 3.38%
2013 0 0%
2014 0 0%
2015 0 0%
2019 12.163.062 100%
2020 571.000 -2030.13%
2021 513.000 -11.31%
2022 494.001 -3.85%
2023 500.000 1.2%

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.

Killbuck Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1999 9.500.000
2000 10.622.111 10.56%
2001 10.517.345 -1%
2002 11.004.280 4.42%
2003 11.385.686 3.35%
2004 11.783.927 3.38%
2005 13.713.758 14.07%
2006 15.425.757 11.1%
2007 15.094.024 -2.2%
2008 14.149.841 -6.67%
2009 13.060.957 -8.34%
2010 12.887.934 -1.34%
2011 12.528.513 -2.87%
2012 12.540.716 0.1%
2013 13.857 -90400.95%
2014 14.495 4.4%
2015 15.977 9.28%
2019 22.988.657 99.93%
2020 23.504.993 2.2%
2021 23.108.369 -1.72%
2022 26.587.535 13.09%
2023 37.058.952 28.26%

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.

Killbuck Bancshares, Inc. Net Profit
Year Net Profit Growth
1999 3.000.000
2000 3.282.921 8.62%
2001 2.944.565 -11.49%
2002 3.217.544 8.48%
2003 3.208.820 -0.27%
2004 3.419.408 6.16%
2005 4.210.868 18.8%
2006 5.223.393 19.38%
2007 4.904.699 -6.5%
2008 4.455.633 -10.08%
2009 3.134.952 -42.13%
2010 2.979.476 -5.22%
2011 2.874.616 -3.65%
2012 2.893.548 0.65%
2013 3.576 -80815.77%
2014 4.091 12.59%
2015 4.574 10.54%
2019 8.009.130 99.94%
2020 5.813.191 -37.78%
2021 6.015.197 3.36%
2022 6.754.213 10.94%
2023 8.636.771 21.8%

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.

Killbuck Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 4
2000 5 0%
2001 4 0%
2002 5 0%
2003 5 0%
2004 5 20%
2005 6 16.67%
2006 8 25%
2007 8 -14.29%
2008 7 0%
2009 5 -40%
2010 5 -25%
2011 5 0%
2012 5 0%
2013 6 20%
2014 7 16.67%
2015 8 14.29%
2019 14 46.15%
2020 10 -30%
2021 11 0%
2022 12 16.67%
2023 16 20%

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.

Killbuck Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1999 2.800.000
2000 2.734.564 -2.39%
2001 3.219.118 15.05%
2002 3.873.512 16.89%
2003 3.655.328 -5.97%
2004 1.218.657 -199.95%
2005 3.880.026 68.59%
2006 4.442.692 12.66%
2007 3.773.465 -17.74%
2008 3.869.920 2.49%
2009 2.047.758 -88.98%
2010 4.009.567 48.93%
2011 3.527.452 -13.67%
2012 207.872 -1596.93%
2013 5.236 -3870.81%
2014 3.429 -52.67%
2015 4.369 21.52%
2019 6.715.578 99.93%
2020 5.431.803 -23.63%
2021 1.642.665 -230.67%
2022 7.199.563 77.18%
2023 10.168.427 29.2%

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.

Killbuck Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 3.400.000
2000 3.778.152 10.01%
2001 4.277.229 11.67%
2002 4.435.427 3.57%
2003 3.970.261 -11.72%
2004 1.547.929 -156.49%
2005 5.149.359 69.94%
2006 5.317.021 3.15%
2007 5.075.961 -4.75%
2008 4.113.004 -23.41%
2009 2.133.205 -92.81%
2010 4.118.166 48.2%
2011 3.617.501 -13.84%
2012 231.375 -1463.48%
2013 5.321 -4248.34%
2014 4.131 -28.84%
2015 5.451 24.22%
2019 10.247.591 99.95%
2020 5.460.862 -87.66%
2021 4.817.363 -13.36%
2022 7.427.942 35.15%
2023 10.432.611 28.8%

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.

Killbuck Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 600.000
2000 1.043.588 42.51%
2001 1.058.111 1.37%
2002 561.915 -88.3%
2003 314.933 -78.42%
2004 329.272 4.35%
2005 1.269.333 74.06%
2006 874.329 -45.18%
2007 1.302.496 32.87%
2008 243.084 -435.82%
2009 85.447 -184.49%
2010 108.599 21.32%
2011 90.049 -20.6%
2012 23.503 -283.14%
2013 85 -27550.59%
2014 701 87.87%
2015 1.081 35.15%
2019 3.532.013 99.97%
2020 29.059 -12054.63%
2021 3.174.698 99.08%
2022 228.379 -1290.1%
2023 264.184 13.55%

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.

Killbuck Bancshares, Inc. Equity
Year Equity Growth
1999 28.900.000
2000 31.741.165 8.95%
2001 33.037.452 3.92%
2002 34.203.659 3.41%
2003 34.061.554 -0.42%
2004 35.358.934 3.67%
2005 37.049.303 4.56%
2006 39.133.797 5.33%
2007 41.117.641 4.82%
2008 42.935.598 4.23%
2009 43.063.408 0.3%
2010 43.679.690 1.41%
2011 45.222.831 3.41%
2012 46.049.613 1.8%
2014 49.410 -93098.97%
2015 51.679 4.39%
2019 62.284.963 99.92%
2020 67.334.775 7.5%
2021 66.351.921 -1.48%
2022 47.438.066 -39.87%
2023 58.112.116 18.37%

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.

Killbuck Bancshares, Inc. Assets
Year Assets Growth
1999 243.100.000
2000 262.000.029 7.21%
2001 281.258.188 6.85%
2002 283.174.395 0.68%
2003 284.139.375 0.34%
2004 293.867.039 3.31%
2005 298.049.960 1.4%
2006 313.205.487 4.84%
2007 336.337.048 6.88%
2008 341.337.823 1.47%
2009 371.979.385 8.24%
2010 405.070.353 8.17%
2011 436.534.401 7.21%
2012 451.626.155 3.34%
2014 479.842 -94019.76%
2015 492.319 2.53%
2019 567.046.671 99.91%
2020 685.912.113 17.33%
2021 760.288.118 9.78%
2022 813.986.271 6.6%
2023 847.201.018 3.92%

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.

Killbuck Bancshares, Inc. Liabilities
Year Liabilities Growth
1999 4.900.000
2000 4.893.042 -0.14%
2001 5.022.901 2.59%
2002 248.970.736 97.98%
2003 250.077.821 0.44%
2004 258.508.105 3.26%
2005 261.000.657 0.95%
2006 274.071.690 4.77%
2007 295.219.407 7.16%
2008 298.402.225 1.07%
2009 328.915.977 9.28%
2010 361.390.663 8.99%
2011 391.311.570 7.65%
2012 405.576.542 3.52%
2014 430.431 -94125.68%
2015 440.639 2.32%
2019 12.700.000 96.53%
2020 618.577.338 97.95%
2021 693.936.197 10.86%
2022 766.548.205 9.47%
2023 789.088.902 2.86%

Killbuck Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
68.48
Net Income per Share
15.96
Price to Earning Ratio
6.65x
Price To Sales Ratio
1.59x
POCF Ratio
5.5
PFCF Ratio
5.78
Price to Book Ratio
0.99
EV to Sales
4.54
EV Over EBITDA
336.74
EV to Operating CashFlow
16.14
EV to FreeCashFlow
16.56
Earnings Yield
0.15
FreeCashFlow Yield
0.17
Market Cap
0,06 Bil.
Enterprise Value
0,17 Bil.
Graham Number
196.38
Graham NetNet
-1516.18

Income Statement Metrics

Net Income per Share
15.96
Income Quality
1.21
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.82
EBT Per Ebit
0
Ebit per Revenue
0
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0
Pretax Profit Margin
0.28
Net Profit Margin
0.23

Dividends

Dividend Yield
0.04
Dividend Yield %
4.24
Payout Ratio
0.26
Dividend Per Share
4.5

Operating Metrics

Operating Cashflow per Share
19.28
Free CashFlow per Share
18.79
Capex to Operating CashFlow
0.03
Capex to Revenue
0.01
Capex to Depreciation
0.53
Return on Invested Capital
0
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
0.49

Balance Sheet

Cash per Share
-57,98
Book Value per Share
107,39
Tangible Book Value per Share
104.93
Shareholders Equity per Share
107.39
Interest Debt per Share
150.91
Debt to Equity
1.35
Debt to Assets
0.09
Net Debt to EBITDA
219.25
Current Ratio
0.12
Tangible Asset Value
0,06 Bil.
Net Current Asset Value
-0,73 Bil.
Invested Capital
-397930035
Working Capital
-0,41 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
15230880
Debt to Market Cap
1.33

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.

Killbuck Bancshares, Inc. Dividends
Year Dividends Growth
2016 2
2017 3 66.67%
2018 4 0%
2019 4 0%
2020 4 0%
2021 4 0%
2022 4 0%
2023 4 25%
2024 2 -100%

Killbuck Bancshares, Inc. Profile

About Killbuck Bancshares, Inc.

Killbuck Bancshares, Inc. operates as the holding company for The Killbuck Savings Bank Company that provides various banking products and services to individuals and businesses. It offers checking and saving accounts; personal lending products that include home mortgage, home equity, construction, auto, and personal loans; credit and debit/ATM cards; online and mobile banking services; bill pays; estatements; cash management and remote deposit capture services; and other services, such as money orders, cashier's checks, merchant, direct deposits, bank by mail, night depository, safe deposit boxes, and foreign currency exchange. The company also provides business lending products, such as commercial real estate, business term, and agricultural loans; and business lines of credit. It operates 11 full-service branches. Killbuck Bancshares, Inc. was founded in 1900 and is based in Killbuck, Ohio.

CEO
Ms. Rachel D. Miller
Employee
121
Address
165 North Main Street
Killbuck, 44637

Killbuck Bancshares, Inc. Executives & BODs

Killbuck Bancshares, Inc. Executives & BODs
# Name Age
1 Mr. Lawrence M. Cardinal Jr.
Vice President & Secretary
70
2 Ms. Rachel D. Miller
Chief Executive Officer, President, Secretary & Director
70
3 Mr. Eric T. Roll
Vice President, Chief Technology Officer & Data Security Officer of Killbuck Savings Bank Company
70

Killbuck Bancshares, Inc. Competitors