Baker Boyer Bancorp
Baker Boyer Bancorp operates as the bank holding company for Baker Boyer National Bank that provides various banking products and services in southeastern Washington and northeastern Oregon. The company accepts personal and business checking and saving accounts; and offers home, construction, business, and personal loans, as well as home equity lines of credit. It also provides cash management se… Read more
Baker Boyer Bancorp (BBBK) - Net Assets
Latest net assets as of September 2025: $55.92 Million USD
Based on the latest financial reports, Baker Boyer Bancorp (BBBK) has net assets worth $55.92 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($667.13 Million) and total liabilities ($611.21 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $55.92 Million |
| % of Total Assets | 8.38% |
| Annual Growth Rate | 2.12% |
| 5-Year Change | -11.9% |
| 10-Year Change | 6.27% |
| Growth Volatility | 251.71 |
Baker Boyer Bancorp - Net Assets Trend (2002–2024)
This chart illustrates how Baker Boyer Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Baker Boyer Bancorp (2002–2024)
The table below shows the annual net assets of Baker Boyer Bancorp from 2002 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $53.95 Million | +8.54% |
| 2023-12-31 | $49.70 Million | +19.94% |
| 2022-12-31 | $41.44 Million | -29.99% |
| 2021-12-31 | $59.19 Million | -3.35% |
| 2020-12-31 | $61.24 Million | +3.76% |
| 2019-12-31 | $59.02 Million | +6.86% |
| 2018-12-31 | $55.23 Million | +5.77% |
| 2017-12-31 | $52.22 Million | +1.89% |
| 2016-12-31 | $51.25 Million | +0.95% |
| 2015-12-31 | $50.77 Million | -90.82% |
| 2014-12-31 | $552.79 Million | -0.15% |
| 2013-12-31 | $553.61 Million | +1119.97% |
| 2012-12-31 | $45.38 Million | +6.82% |
| 2011-12-31 | $42.48 Million | +7.80% |
| 2010-12-31 | $39.41 Million | +16.59% |
| 2006-12-31 | $33.80 Million | +3.06% |
| 2005-12-31 | $32.80 Million | +1.88% |
| 2004-12-31 | $32.19 Million | +2.55% |
| 2003-12-31 | $31.39 Million | -7.66% |
| 2002-12-31 | $33.99 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Baker Boyer Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 107.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $58.17 Million | 107.83% |
| Common Stock | $4.09 Million | 7.59% |
| Other Comprehensive Income | $-9.57 Million | -17.74% |
| Other Components | $1.25 Million | 2.33% |
| Total Equity | $53.95 Million | 100.00% |
Baker Boyer Bancorp Competitors by Market Cap
The table below lists competitors of Baker Boyer Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Knightscope Inc
NASDAQ:KSCP
|
$42.22 Million |
|
Insung Information Co. Ltd
KQ:033230
|
$42.22 Million |
|
Miwon Chemical
KO:134380
|
$42.24 Million |
|
Dorel Industries Inc Cl.A Mv (DII-A.TO
TO:DII-A
|
$42.24 Million |
|
Tecnotree Oyj
HE:TEM1V
|
$42.21 Million |
|
Suyog Telematics Limited
NSE:SUYOG
|
$42.21 Million |
|
City Chic Collective Limited
PINK:CCCHF
|
$42.19 Million |
|
Dae Chang
KO:012800
|
$42.19 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Baker Boyer Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 49,702,000 to 53,949,000, a change of 4,247,000 (8.5%).
- Net income of 1,894,000 contributed positively to equity growth.
- Dividend payments of 2,621,000 reduced retained earnings.
- Other comprehensive income increased equity by 4,675,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $1.89 Million | +3.51% |
| Dividends Paid | $2.62 Million | -4.86% |
| Other Comprehensive Income | $4.67 Million | +8.67% |
| Other Changes | $299.00K | +0.55% |
| Total Change | $- | 8.54% |
Book Value vs Market Value Analysis
This analysis compares Baker Boyer Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.10x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.74x to 1.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $26.17 | $45.63 | x |
| 2003-12-31 | $24.17 | $45.63 | x |
| 2004-12-31 | $24.77 | $45.63 | x |
| 2005-12-31 | $25.32 | $45.63 | x |
| 2006-12-31 | $26.21 | $45.63 | x |
| 2013-12-31 | $36.38 | $45.63 | x |
| 2014-12-31 | $37.30 | $45.63 | x |
| 2015-12-31 | $39.09 | $45.63 | x |
| 2016-12-31 | $39.39 | $45.63 | x |
| 2017-12-31 | $40.41 | $45.63 | x |
| 2018-12-31 | $42.89 | $45.63 | x |
| 2019-12-31 | $45.78 | $45.63 | x |
| 2020-12-31 | $47.32 | $45.63 | x |
| 2021-12-31 | $45.91 | $45.63 | x |
| 2022-12-31 | $32.00 | $45.63 | x |
| 2023-12-31 | $38.34 | $45.63 | x |
| 2024-12-31 | $41.38 | $45.63 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Baker Boyer Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.51%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 4.82%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 12.42x
- Recent ROE (3.51%) is below the historical average (11.22%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 11.71% | 13.46% | 0.08x | 11.34x | $580.70K |
| 2003 | 3.85% | 4.34% | 0.07x | 12.38x | $-1.93 Million |
| 2004 | 13.31% | 16.15% | 0.07x | 12.04x | $1.07 Million |
| 2005 | 13.23% | 15.99% | 0.07x | 11.58x | $1.06 Million |
| 2006 | 12.94% | 14.92% | 0.08x | 11.13x | $994.00K |
| 2010 | 13.68% | 17.34% | 0.07x | 11.83x | $1.45 Million |
| 2011 | 14.03% | 19.15% | 0.06x | 11.82x | $1.71 Million |
| 2012 | 13.94% | 20.87% | 0.06x | 12.05x | $1.79 Million |
| 2013 | 13.01% | 20.75% | 0.05x | 11.67x | $1.43 Million |
| 2014 | 11.44% | 19.12% | 0.05x | 11.39x | $701.00K |
| 2015 | 11.06% | 18.81% | 0.05x | 11.17x | $538.50K |
| 2016 | 10.75% | 18.19% | 0.05x | 11.74x | $382.20K |
| 2017 | 10.43% | 17.31% | 0.05x | 11.63x | $227.10K |
| 2018 | 13.15% | 21.61% | 0.06x | 10.88x | $1.74 Million |
| 2019 | 12.06% | 20.04% | 0.06x | 10.30x | $1.22 Million |
| 2020 | 8.55% | 15.55% | 0.05x | 11.85x | $-888.70K |
| 2021 | 9.08% | 15.53% | 0.04x | 13.73x | $-544.60K |
| 2022 | 18.22% | 21.59% | 0.05x | 18.45x | $3.41 Million |
| 2023 | 6.38% | 8.40% | 0.05x | 14.29x | $-1.80 Million |
| 2024 | 3.51% | 4.82% | 0.06x | 12.42x | $-3.50 Million |
Industry Comparison
This section compares Baker Boyer Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Baker Boyer Bancorp (BBBK) | $55.92 Million | 11.71% | 10.93x | $42.21 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |