Kish Bancorp (KISB) AI Stock Analysis

• Market Cap: $83.40M
• Dividend Yield: 4.75%
• Average Volume (3M): 961.00
• Price to Earnings (P/E): 6.3
• Beta (1Y): 0.07
• Revenue Growth: 23.14%
• EPS Growth: -1.60%
• Country: US
• Employees: 125
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,606,219
• 10 Day Avg. Volume: 494
• 30 Day Avg. Volume: 961
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.12
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 13.60
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Kish Bancorp receives a solid score due to its strong financial performance and favorable valuation. The stock's technical indicators show positive momentum, though caution is advised due to potential overbought conditions. The lack of specific insights from the earnings call does not materially impact the overall assessment, with no additional corporate events to consider.

Kish Bancorp Business Overview & Revenue Model

Company Description

Kish Bancorp (KISB) is a regional financial services company headquartered in Pennsylvania. The company operates in the banking and financial services sector, providing a broad range of products and services including personal banking, business banking, and wealth management solutions. Kish Bancorp serves its community through a network of branches, offering services such as deposit accounts, loans, mortgages, and investment advisory.

How the Company Makes Money

Kish Bancorp generates revenue primarily through interest income from loans and mortgages, as well as fees from various banking services. Interest earned on loans and credit products provides a significant portion of the company's income, while non-interest income is derived from fees related to account maintenance, transaction services, and wealth management advisory. The company also benefits from strategic partnerships with financial service providers, which enhance its offerings and contribute to its earnings.

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

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

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

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.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
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: Negative
• Last Price: 32.17
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KISB, the sentiment is Negative. The current price of 32.17 is below the 20-day moving average (MA) of 33.07, below the 50-day MA of 33.88, and above the 200-day MA of 31.53, indicating a bearish trend. The MACD of -0.29 indicates Positive momentum. The RSI at 32.73 is Neutral, neither overbought nor oversold. The STOCH value of 11.62 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KISB.

Kish Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KISB	76 Outperform	$83.40M	6.29	14.60%	4.75%	23.14%	-1.60%
OPOF	73 Outperform	$187.94M	19.61	8.61%	1.52%	6.90%	21.84%
CAC	70 Neutral	$628.72M	10.29	10.33%	4.51%	14.18%	22.19%
UVSP	68 Neutral	$766.80M	10.24	8.80%	3.18%	11.77%	7.54%
UBCP	65 Neutral	$78.75M	10.35	11.23%	5.42%	7.53%	-19.74%
Sector *	63 Neutral	$14.39B	9.81	8.95%	4.37%	16.38%	-11.64%
TMP	61 Neutral	$839.78M	11.72	10.25%	4.23%	41.65%	668.73%