Triad Business Bank Logo

Triad Business Bank

TBBC

(0.0)
Stock Price

5,26 USD

-0.42% ROA

-5.72% ROE

-17.19x PER

Market Cap.

42.561.096,00 USD

69.1% DER

0% Yield

-9.46% NPM

Triad Business Bank Stock Analysis

Triad Business Bank 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.

Triad Business Bank Fundamental Stock Analysis
# Analysis Rating
1 ROE

Unidentified ROE

2 ROA

Unidentified ROA

3 PBV

Unidentified ROA

4 DER

Unidentified DER

5 Revenue Growth

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

6 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

7 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Graham Number

Unidentified Graham Number

9 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.

10 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

11 Buffet Intrinsic Value

The company's stock appears overvalued (0) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Triad Business Bank 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.

Triad Business Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

Triad Business Bank 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.

Triad Business Bank Revenue
Year Revenue Growth
2020 2.756.958
2021 9.402.889 70.68%
2022 14.935.287 37.04%
2023 24.140.360 38.13%
2024 11.184.380 -115.84%

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.

Triad Business Bank Research and Development Expenses
Year Research and Development Expenses Growth
2020 0
2021 0 0%
2022 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.

Triad Business Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2020 598.523
2021 530.626 -12.8%
2022 535.615 0.93%
2023 621.514 13.82%
2024 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.

Triad Business Bank EBITDA
Year EBITDA Growth
2020 -3.939.061
2021 -1.411.308 -179.11%
2022 -108.956 -1195.3%
2023 -3.567.366 96.95%
2024 -348.612 -923.31%

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.

Triad Business Bank Gross Profit
Year Gross Profit Growth
2020 1.846.879
2021 9.402.889 80.36%
2022 14.935.287 37.04%
2023 24.140.360 38.13%
2024 28.515.988 15.34%

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.

Triad Business Bank Net Profit
Year Net Profit Growth
2020 -3.988.133
2021 -1.566.134 -154.65%
2022 -363.673 -330.64%
2023 -4.319.840 91.58%
2024 -2.442.484 -76.86%

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.

Triad Business Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2020 -1
2021 0 0%
2022 0 0%
2023 -1 0%
2024 0 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.

Triad Business Bank Free Cashflow
Year Free Cashflow Growth
2020 -3.995.089
2021 319.256 1351.37%
2022 3.036.023 89.48%
2023 -1.552.793 295.52%
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.

Triad Business Bank Operating Cashflow
Year Operating Cashflow Growth
2020 -3.473.418
2021 334.483 1138.44%
2022 3.052.987 89.04%
2023 -1.537.251 298.6%
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.

Triad Business Bank Capital Expenditure
Year Capital Expenditure Growth
2020 521.671
2021 15.227 -3325.96%
2022 16.964 10.24%
2023 15.542 -9.15%
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.

Triad Business Bank Equity
Year Equity Growth
2020 44.856.806
2021 56.976.550 21.27%
2022 38.439.303 -48.22%
2023 37.602.704 -2.22%
2024 43.413.627 13.39%

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.

Triad Business Bank Assets
Year Assets Growth
2020 221.103.178
2021 372.981.729 40.72%
2022 445.108.817 16.2%
2023 511.151.681 12.92%
2024 521.420.832 1.97%

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.

Triad Business Bank Liabilities
Year Liabilities Growth
2020 176.246.372
2021 316.005.179 44.23%
2022 406.669.514 22.29%
2023 473.548.977 14.12%
2024 30.000.000 -1478.5%

Triad Business Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.38
Net Income per Share
-0.32
Price to Earning Ratio
-17.19x
Price To Sales Ratio
1.86x
POCF Ratio
-25.58
PFCF Ratio
-29.17
Price to Book Ratio
0.86
EV to Sales
2.22
EV Over EBITDA
-48.1
EV to Operating CashFlow
-34.96
EV to FreeCashFlow
-34.96
Earnings Yield
-0.06
FreeCashFlow Yield
-0.03
Market Cap
0,04 Bil.
Enterprise Value
0,05 Bil.
Graham Number
6.79
Graham NetNet
-1.25

Income Statement Metrics

Net Income per Share
-0.32
Income Quality
0.67
ROE
-0.06
Return On Assets
-0
Return On Capital Employed
-0.01
Net Income per EBT
1
EBT Per Ebit
1.04
Ebit per Revenue
-0.09
Effective Tax Rate
1.45

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.04
Gross Profit Margin
1.03
Operating Profit Margin
-0.09
Pretax Profit Margin
-0.09
Net Profit Margin
-0.09

Dividends

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

Operating Metrics

Operating Cashflow per Share
-0.22
Free CashFlow per Share
-0.22
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
-0
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
3,18
Book Value per Share
72,43
Tangible Book Value per Share
72.43
Shareholders Equity per Share
6.4
Interest Debt per Share
4.5
Debt to Equity
0.69
Debt to Assets
0.06
Net Debt to EBITDA
-7.97
Current Ratio
0.17
Tangible Asset Value
0,49 Bil.
Net Current Asset Value
-0,01 Bil.
Invested Capital
-107024812
Working Capital
-0,11 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.7

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.

Triad Business Bank Dividends
Year Dividends Growth

Triad Business Bank Profile

About Triad Business Bank

Triad Business Bank provides various banking products and services in the United States. It offers checking, savings, money market, and retirement accounts, as well as certificates of deposit; and home equity loan, real estate investment purchases or refinances, and refinance existing loan services, as well as acquisition financing and working capital loans. The company also provides online banking, personal online bill pay, E-statements, personal debit cards, and mobile deposit and banking services, as well as treasury solutions and merchant services. In addition, the company offers letters of credit products, such as export letters of credit, export documentary collections, import letter of credit, import documentary collections, and foreign or domestic letters of credit; and lines of credit products, including revolving, equipment purchases, guidance, seasonal cash flow, additional working capital, and inventory financing. Further, the company provides lockbox, remote deposit capture, and mobile capture services; ACH origination, wire origination, and purchase card services; and fraud protection services. Additionally, it offers zero balance, line of credit, and checking sweep services. The company operates three banking offices in the Triad region of North Carolina. Triad Business Bank was incorporated in 2020 and is based in Greensboro, North Carolina.

CEO
Mr. Ramsey K. Hamadi
Employee
56
Address
1501 Highwoods Boulevard
Greensboro, 27410

Triad Business Bank Executives & BODs

Triad Business Bank Executives & BODs
# Name Age
1 Ms. Leah Price
Chief Banking Officer
70
2 Barry Holmes
Winston-Salem Market President
70
3 Mr. Ramsey K. Hamadi
Chief Executive Officer & Director
70
4 Ms. Robin Snipes Hager
President, Chief Operating Officer & Director
70
5 Mr. Richard M. Cobb
Chief Financial Officer
70
6 Mike Kidd
Investment & Finance Director
70
7 Jennifer Bates
Director of Administrative Services
70
8 Regina White
Compliance Manager
70
9 Mr. William Wesley Budd Jr.
Chief Credit Officer
70
10 Mr. Jeffrey W. Montgomery
Chief Banking Officer
70

Triad Business Bank Competitors