Kish Bancorp (KISB) AI Stock Analysis

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Kish Bancorp

(OTC:KISB)

74Outperform

Kish Bancorp's strong financial performance, characterized by consistent growth and efficient operations, is a key strength. The stock is attractively valued, with a low P/E ratio and a high dividend yield. However, the technical indicators suggest caution, as the stock is trading below key moving averages and exhibits weakening market momentum. Overall, the stock presents a solid investment opportunity, albeit with some technical caution.

Kish Bancorp (KISB) vs. S&P 500 (SPY)

Market Cap

$84.55M

Dividend Yield4.68%

Average Volume (3M)255.00

Price to Earnings (P/E)6.4

Beta (1Y)0.10

Revenue Growth18.55%

EPS Growth5.58%

CountryUS

Employees125

SectorFinancial

Sector Strength83

IndustryBanks - Regional

Share Statistics

EPS (TTM)N/A

Shares Outstanding2,606,219

10 Day Avg. Volume69

30 Day Avg. Volume255

Financial Highlights & Ratios

PEG Ratio1.15

Price to Book (P/B)N/A

Price to Sales (P/S)2.12

Price to Cash Flow (P/CF)N/A

P/FCF Ratio13.60

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

Kish Bancorp Business Overview & Revenue Model

Company DescriptionKish Bancorp, Inc. (KISB) operates as a financial holding company that provides a comprehensive range of financial services primarily through its subsidiary, Kish Bank. The company is headquartered in Pennsylvania and focuses on serving the financial needs of its local communities. Kish Bancorp offers a wide array of products and services, including personal and business banking, loans, mortgages, wealth management, and insurance services. The company aims to deliver personalized solutions to its customers, enhancing their financial well-being and supporting economic growth in the regions it serves.

How the Company Makes MoneyKish Bancorp makes money primarily through interest income generated by its lending activities, including personal loans, commercial loans, and mortgages. The company also earns revenue from service charges on deposit accounts and fees from various banking services. Additionally, Kish Bancorp benefits from wealth management and investment advisory fees, as well as insurance product sales. A significant portion of its earnings is driven by the interest rate spread between the interest it earns on loans and the interest it pays on deposits. Partnerships with financial service providers and a focus on community engagement further bolster its revenue streams.

Kish Bancorp Financial Statement Overview

Summary

Kish Bancorp demonstrates strong profitability and operational efficiency, with robust income statement metrics. While the balance sheet is stable, rising debt levels warrant cautious monitoring. Cash flow generation is strong, supporting sustainable operations despite fluctuations in investing cash flows.

Income Statement

Very Positive

Kish Bancorp shows strong profitability with consistent growth in revenue over the years. The gross profit margin and net profit margin have been improving, indicating effective cost management and strong demand. The revenue growth rate from 2022 to 2023 is approximately 7.8%, which is a positive indicator for the company. Both EBIT and EBITDA margins are robust, demonstrating operational efficiency.

Balance Sheet

Positive

The balance sheet is stable with a reasonable debt-to-equity ratio, reflecting manageable leverage. The equity ratio remains solid, indicating a healthy proportion of assets funded by equity. Return on Equity (ROE) has shown improvement, a sign of efficient use of shareholder funds. However, the rise in total debt could pose a risk if not managed carefully.

Cash Flow

Positive

Cash flow generation is strong, with a consistent increase in free cash flow, highlighting the company's ability to generate cash beyond its operational needs. The free cash flow to net income ratio is healthy, supporting sustainable business operations. Operating cash flow to net income ratio is stable, illustrating reliable cash conversion from earnings. However, significant fluctuations in investing cash flows warrant attention.

TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Breakdown
Income Statement		Total Revenue
86.95M	54.29M	50.35M	44.73M	41.23M	36.04M
	Gross Profit
86.95M	84.77M	50.35M	44.73M	41.23M	36.04M
	EBIT
47.27M	22.60M	15.28M	11.23M	9.28M	7.90M
	EBITDA
-982.91K	17.74M	16.75M	12.63M	10.37M	8.99M
	Net Income Common Stockholders
13.20M	13.50M	12.86M	9.88M	8.04M	7.01M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
20.46M	29.74M	175.66M	272.75M	258.19M	168.86M
	Total Assets
591.38M	1.54B	1.30B	1.23B	1.11B	918.31M
	Total Debt
66.03M	235.96M	152.74M	134.62M	130.88M	123.63M
	Net Debt
45.57M	205.98M	132.39M	40.61M	726.53K	85.95M
	Total Liabilities
545.38M	1.45B	1.22B	1.16B	1.04B	853.96M
	Stockholders Equity
46.00M	92.77M	71.97M	77.10M	69.96M	64.35M
Cash Flow		Free Cash Flow
0.00	13.42M	13.22M	14.02M	-2.22M	3.68M
	Operating Cash Flow
0.00	16.55M	16.19M	16.93M	7.51M	6.22M
	Investing Cash Flow
0.00	-232.68M	-149.78M	-175.46M	-85.83M	-53.85M
	Financing Cash Flow
0.00	225.76M	59.93M	122.62M	171.78M	51.07M

Kish Bancorp Technical Analysis

Technical Analysis Sentiment

Positive

Last Price32.44

Price Trends

50DMA

32.88

Negative

100DMA

33.03

Negative

200DMA

31.31

Positive

Market Momentum

MACD

-0.26

Negative

RSI

52.53

Neutral

STOCH

59.12

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KISB, the sentiment is Positive. The current price of 32.44 is above the 20-day moving average (MA) of 31.93, below the 50-day MA of 32.88, and above the 200-day MA of 31.31, indicating a neutral trend. The MACD of -0.26 indicates Negative momentum. The RSI at 52.53 is Neutral, neither overbought nor oversold. The STOCH value of 59.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KISB.

Kish Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (63)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KISB	74 Outperform	$84.55M	6.40	14.55%	4.68%	18.55%	5.58%
MGYR	73 Outperform	$89.61M	10.78	7.53%	1.51%	23.47%	10.77%
LSBK	69 Neutral	$87.70M	17.42	5.60%	4.71%	4.44%	3.99%
Sector *	63 Neutral	$12.32B	9.52	7.89%	79.24%	12.74%	-4.55%
IROQ	59 Neutral	$79.93M	25.52	4.00%	1.68%	19.70%	53.15%
UBCP	57 Neutral	$76.13M	10.19	11.23%	5.60%	7.53%	-19.74%
BSBK	41 Neutral	$89.98M	―	-1.58%	―	-11.26%	-460.04%

* Financial Sector Average

Performance Comparison

KISB

Kish Bancorp

32.44

2.69

9.04%

IROQ

IF Bancorp

23.85

7.83

48.88%

LSBK

Lake Shore Bancorp

15.48

4.36

39.21%

MGYR

Magyar Bancorp

13.83

2.81

25.50%

UBCP

United Bancorp

12.76

0.95

8.04%

BSBK

Bogota Financial

6.89

0.12

1.77%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.