Risk factor
Critical default risk
Profitability factor
Undervalued vs peers
About
Boyle Bancorp, Inc. functions as the holding company for Farmers National Bank, offering a full spectrum of commercial and personal banking services throughout the United States. It provides a wide range of deposit accounts, including checking, savings, money market, certificates of deposit (CDs), and IRAs. A diverse loan portfolio caters to individual needs, covering auto, recreational vehicle, boat, and ATV/UTV financing; various mortgages (fixed-rate, adjustable-rate, FHA, VA, home equity, rural housing); construction loans; and loans secured by CDs or marketable securities. Business clients can access financing for commercial real estate, multi-family dwellings, commercial construction, equipment, and lines of credit. The company supports the agricultural sector with loans for farm equipment, real estate/improvements, operations, and refinancing, in addition to specialized equine financing for mares, stallions, and farm acquisitions. Further services encompass automated clearing house (ACH), remote deposit capture, reordering checks, safe deposit boxes, wire transfers, overdraft protection, and debit/credit card issuance. Moreover, Boyle Bancorp extends investment and wealth management, brokerage, insurance, ATM access, and robust online and mobile banking platforms. Founded in Danville, Kentucky, in 1879, the institution maintains 12 banking locations across Boyle, Casey, Garrard, Lincoln, and Mercer counties within Kentucky.
Company Valuation
Considering past and projected metrics, the stock is 'cheaper' than its peers. In particular, the stock is underpriced on P/E, 'cheap' on EV/EBITDA, trading at neutral le