Catskill Hudson Bancorp Inc
Catskill Hudson Bancorp, Inc. operates as a holding company for Catskill Hudson Bank that provides commercial banking products and services in the United States. The company offers checking accounts, savings accounts, certificate of deposits, and individual retirement accounts. Its loan products include commercial loans comprising revolving lines of credit, term loans, letters of credit, bridge l… Read more
Catskill Hudson Bancorp Inc (CSKL) - Net Assets
Latest net assets as of March 2011: $19.67 Million USD
Based on the latest financial reports, Catskill Hudson Bancorp Inc (CSKL) has net assets worth $19.67 Million USD as of March 2011.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($332.23 Million) and total liabilities ($312.56 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 | $19.67 Million |
| % of Total Assets | 5.92% |
| Annual Growth Rate | 5.5% |
| 5-Year Change | 1.13% |
| 10-Year Change | -8.64% |
| Growth Volatility | 45.43 |
Catskill Hudson Bancorp Inc - Net Assets Trend (2008–2023)
This chart illustrates how Catskill Hudson Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Catskill Hudson Bancorp Inc (2008–2023)
The table below shows the annual net assets of Catskill Hudson Bancorp Inc from 2008 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $25.29 Million | +2.61% |
| 2022-12-31 | $24.64 Million | -9.89% |
| 2021-12-31 | $27.35 Million | +1.93% |
| 2020-12-31 | $26.83 Million | +7.31% |
| 2019-12-31 | $25.00 Million | +21.41% |
| 2018-12-31 | $20.59 Million | +1.73% |
| 2017-12-31 | $20.25 Million | +11.24% |
| 2016-12-31 | $18.20 Million | -35.11% |
| 2015-12-31 | $28.05 Million | +1.34% |
| 2014-12-31 | $27.68 Million | +144.26% |
| 2008-12-31 | $11.33 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Catskill Hudson Bancorp Inc'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 567.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $19.80 Million | 78.30% |
| Common Stock | $711.00K | 2.81% |
| Other Comprehensive Income | $-2.42 Million | -9.57% |
| Other Components | $7.20 Million | 28.46% |
| Total Equity | $25.29 Million | 100.00% |
Catskill Hudson Bancorp Inc Competitors by Market Cap
The table below lists competitors of Catskill Hudson Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Interwood-Xylemporia A.T.E.N.E.
AT:XYLEK
|
$9.77 Million |
|
Nvni Group Limited Ordinary Shares
NASDAQ:NVNI
|
$9.77 Million |
|
ABERA BIOSCIENCE AB
F:8WK
|
$9.77 Million |
|
Taiwan Enterprise(Cayman)Co
TW:5906
|
$9.77 Million |
|
M & A EQUITY HOLDINGS BERHAD
KLSE:7082
|
$9.77 Million |
|
JET Optoelectronics Co., Ltd.
TWO:2255
|
$9.76 Million |
|
23Andme Holding Co
NASDAQ:ME
|
$9.76 Million |
|
Ikonisys SA
PA:ALIKO
|
$9.76 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Catskill Hudson Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 24,643,000 to 25,286,000, a change of 643,000 (2.6%).
- Net loss of 152,000 reduced equity.
- Dividend payments of 339,000 reduced retained earnings.
- Other comprehensive income increased equity by 1,134,001.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-152.00K | -0.6% |
| Dividends Paid | $339.00K | -1.34% |
| Other Comprehensive Income | $1.13 Million | +4.48% |
| Other Changes | $-1.00 | -0.0% |
| Total Change | $- | 2.61% |
Book Value vs Market Value Analysis
This analysis compares Catskill Hudson Bancorp Inc'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: 0.99x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.89x to 0.99x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | $40.02 | $35.50 | x |
| 2015-12-31 | $40.54 | $35.50 | x |
| 2016-12-31 | $26.25 | $35.50 | x |
| 2017-12-31 | $29.14 | $35.50 | x |
| 2018-12-31 | $29.45 | $35.50 | x |
| 2019-12-31 | $35.60 | $35.50 | x |
| 2020-12-31 | $38.19 | $35.50 | x |
| 2021-12-31 | $38.94 | $35.50 | x |
| 2022-12-31 | $35.02 | $35.50 | x |
| 2023-12-31 | $35.83 | $35.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Catskill Hudson Bancorp Inc 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): -0.60%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -1.03%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 22.66x
- Recent ROE (-0.60%) is below the historical average (5.31%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 5.17% | 8.22% | 0.03x | 19.58x | $-547.32K |
| 2014 | 1.59% | 4.01% | 0.03x | 14.92x | $-2.33 Million |
| 2015 | 4.70% | 10.61% | 0.03x | 16.02x | $-1.49 Million |
| 2016 | 7.17% | 9.29% | 0.03x | 24.25x | $-515.90K |
| 2017 | 8.13% | 12.10% | 0.03x | 21.85x | $-379.50K |
| 2018 | 8.95% | 12.66% | 0.03x | 22.53x | $-216.50K |
| 2019 | 7.37% | 9.39% | 0.04x | 20.13x | $-657.40K |
| 2020 | 4.23% | 6.28% | 0.03x | 21.29x | $-1.55 Million |
| 2021 | 5.57% | 8.70% | 0.03x | 21.18x | $-1.21 Million |
| 2022 | 6.11% | 7.83% | 0.03x | 23.40x | $-958.30K |
| 2023 | -0.60% | -1.03% | 0.03x | 22.66x | $-2.68 Million |
Industry Comparison
This section compares Catskill Hudson Bancorp Inc'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 |
|---|---|---|---|---|
| Catskill Hudson Bancorp Inc (CSKL) | $19.67 Million | 5.17% | 15.89x | $9.77 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 |