BEO Bancorp
BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking, mortgage lending, and other services in Northeastern Oregon and Southeastern Washington, the United States. The company offers checking, money market, time deposits, and savings accounts; and time certificates of deposit. It also provides commercial, agricultural, … Read more
BEO Bancorp (BEOB) - Net Assets
Latest net assets as of December 2014: $318.68 Million USD
Based on the latest financial reports, BEO Bancorp (BEOB) has net assets worth $318.68 Million USD as of December 2014.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($325.90 Million) and total liabilities ($7.22 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 | $318.68 Million |
| % of Total Assets | 97.79% |
| Annual Growth Rate | 11.85% |
| 5-Year Change | 92.78% |
| 10-Year Change | 190.26% |
| Growth Volatility | 34.25 |
BEO Bancorp - Net Assets Trend (2003–2024)
This chart illustrates how BEO 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 BEO Bancorp (2003–2024)
The table below shows the annual net assets of BEO Bancorp from 2003 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $80.84 Million | +26.12% |
| 2023-12-31 | $64.10 Million | +28.24% |
| 2022-12-31 | $49.99 Million | +4.29% |
| 2021-12-31 | $47.93 Million | +14.30% |
| 2020-12-31 | $41.94 Million | +11.37% |
| 2019-12-31 | $37.65 Million | +8.89% |
| 2018-12-31 | $34.58 Million | +9.00% |
| 2017-12-31 | $31.72 Million | +6.67% |
| 2016-12-31 | $29.74 Million | +6.79% |
| 2015-12-31 | $27.85 Million | +11.62% |
| 2014-12-31 | $24.95 Million | +8.81% |
| 2013-12-31 | $22.93 Million | +145.24% |
| 2006-12-31 | $9.35 Million | +16.64% |
| 2005-12-31 | $8.02 Million | +1.07% |
| 2004-12-31 | $7.93 Million | +3.01% |
| 2003-12-31 | $7.70 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to BEO 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 1967.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $76.96 Million | 95.19% |
| Common Stock | $3.21 Million | 3.98% |
| Other Comprehensive Income | $-4.65 Million | -5.75% |
| Other Components | $5.32 Million | 6.58% |
| Total Equity | $80.84 Million | 100.00% |
BEO Bancorp Competitors by Market Cap
The table below lists competitors of BEO Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hansol Technics
KO:004710
|
$84.94 Million |
|
Lix Detergent JSC
VN:LIX
|
$84.96 Million |
|
Mecaro Co. Ltd
KQ:241770
|
$84.97 Million |
|
Bansal Wire Industries Ltd
NSE:BANSALWIRE
|
$84.98 Million |
|
Harvatek Corp
TW:6168
|
$84.92 Million |
|
Harbin Bank Co. Ltd
F:5H6
|
$84.91 Million |
|
Melcor Developments Ltd
PINK:MODVF
|
$84.89 Million |
|
Guanajuato Silver Company Ltd
OTCQX:GSVRF
|
$84.80 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in BEO Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 64,101,118 to 80,841,773, a change of 16,740,655 (26.1%).
- Net income of 16,519,888 contributed positively to equity growth.
- Dividend payments of 1,548,866 reduced retained earnings.
- Share repurchases of 407,095 reduced equity.
- New share issuances of 1,336,910 increased equity.
- Other comprehensive income increased equity by 870,778.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $16.52 Million | +20.43% |
| Dividends Paid | $1.55 Million | -1.92% |
| Share Repurchases | $407.10K | -0.5% |
| Share Issuances | $1.34 Million | +1.65% |
| Other Comprehensive Income | $870.78K | +1.08% |
| Other Changes | $-30.96K | -0.04% |
| Total Change | $- | 26.12% |
Book Value vs Market Value Analysis
This analysis compares BEO 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: 1.30x
- 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 9.58x to 1.30x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2003-12-31 | $8.77 | $84.00 | x |
| 2004-12-31 | $9.02 | $84.00 | x |
| 2005-12-31 | $9.10 | $84.00 | x |
| 2006-12-31 | $10.59 | $84.00 | x |
| 2013-12-31 | $20.02 | $84.00 | x |
| 2014-12-31 | $21.56 | $84.00 | x |
| 2015-12-31 | $22.71 | $84.00 | x |
| 2016-12-31 | $24.89 | $84.00 | x |
| 2017-12-31 | $26.67 | $84.00 | x |
| 2018-12-31 | $29.21 | $84.00 | x |
| 2019-12-31 | $31.86 | $84.00 | x |
| 2020-12-31 | $32.42 | $84.00 | x |
| 2021-12-31 | $36.79 | $84.00 | x |
| 2022-12-31 | $38.35 | $84.00 | x |
| 2023-12-31 | $51.02 | $84.00 | x |
| 2024-12-31 | $64.81 | $84.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently BEO 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): 20.43%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 31.24%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.73x
- Recent ROE (20.43%) is above the historical average (13.28%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2003 | 8.95% | 10.81% | 0.04x | 19.60x | $-81.22K |
| 2004 | 11.68% | 9.40% | 0.06x | 20.43x | $133.01K |
| 2005 | 11.97% | 8.21% | 0.07x | 21.83x | $158.17K |
| 2006 | 15.67% | 10.41% | 0.08x | 19.72x | $530.00K |
| 2013 | 11.66% | 17.74% | 0.05x | 13.04x | $380.56K |
| 2014 | 9.69% | 16.09% | 0.05x | 13.06x | $-76.49K |
| 2015 | 10.83% | 15.18% | 0.06x | 12.85x | $231.41K |
| 2016 | 11.39% | 16.84% | 0.05x | 12.88x | $414.81K |
| 2017 | 9.75% | 14.39% | 0.05x | 13.09x | $-78.22K |
| 2018 | 11.42% | 17.14% | 0.06x | 12.00x | $490.83K |
| 2019 | 11.36% | 15.37% | 0.06x | 13.07x | $513.09K |
| 2020 | 13.39% | 18.15% | 0.05x | 15.90x | $1.42 Million |
| 2021 | 14.63% | 20.88% | 0.04x | 17.16x | $2.22 Million |
| 2022 | 17.36% | 23.48% | 0.04x | 17.82x | $3.68 Million |
| 2023 | 22.26% | 27.97% | 0.06x | 13.44x | $7.86 Million |
| 2024 | 20.43% | 31.24% | 0.06x | 10.73x | $8.44 Million |
Industry Comparison
This section compares BEO 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 |
|---|---|---|---|---|
| BEO Bancorp (BEOB) | $318.68 Million | 8.95% | 0.02x | $84.94 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 |