Pontiac Bancorp Inc
Pontiac Bancorp, Inc. provides various financial services to individuals and businesses in Livingston county, Grundy county, Tazewell County, McLean County, and their surrounding communities. The company accepts various deposit products, such as checking, savings, and money market accounts; and certificates of deposit. It also offers online banking and bill pay, mobile banking, debit/ATM card, pe… Read more
Pontiac Bancorp Inc (PONT) - Net Assets
Latest net assets as of : $- USD
Based on the latest financial reports, Pontiac Bancorp Inc (PONT) has net assets worth $- USD as of .
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($-) and total liabilities ($-). 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 | $- |
| % of Total Assets | 0% |
| Annual Growth Rate | 5.69% |
| 5-Year Change | 21.79% |
| 10-Year Change | N/A |
| Growth Volatility | 5.84 |
Pontiac Bancorp Inc - Net Assets Trend (2019–2024)
This chart illustrates how Pontiac 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 Pontiac Bancorp Inc (2019–2024)
The table below shows the annual net assets of Pontiac Bancorp Inc from 2019 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $118.88 Million | +8.59% |
| 2023-12-31 | $109.48 Million | +11.00% |
| 2022-12-31 | $98.62 Million | -5.53% |
| 2021-12-31 | $104.39 Million | +6.95% |
| 2020-12-31 | $97.61 Million | +8.31% |
| 2019-12-31 | $90.13 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Pontiac 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 39.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $132.78 Million | 111.69% |
| Common Stock | $2.40 Million | 2.02% |
| Total Equity | $118.88 Million | 100.00% |
Pontiac Bancorp Inc Competitors by Market Cap
The table below lists competitors of Pontiac Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lease IT Public Company Limited
BK:LIT
|
$5.17 Million |
|
Nutriband Inc. Warrant
NASDAQ:NTRBW
|
$5.18 Million |
|
Altima Resources Ltd
PINK:ARSLF
|
$5.18 Million |
|
VERU INC. DL-01
F:FMW
|
$5.18 Million |
|
Vo2 Cap Holding AB
ST:VO2
|
$5.17 Million |
|
Alpcot Holding AB Series B
ST:ALPCOT-B
|
$5.17 Million |
|
Bank Permata Tbk
JK:BNLI
|
$5.17 Million |
|
Middle Island Resources Ltd
AU:MDI
|
$5.17 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pontiac Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 109,475,414 to 118,881,032, a change of 9,405,618 (8.6%).
- Net income of 11,726,863 contributed positively to equity growth.
- Dividend payments of 2,672,993 reduced retained earnings.
- Share repurchases of 994,005 reduced equity.
- Other factors increased equity by 1,345,753.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $11.73 Million | +9.86% |
| Dividends Paid | $2.67 Million | -2.25% |
| Share Repurchases | $994.00K | -0.84% |
| Other Changes | $1.35 Million | +1.13% |
| Total Change | $- | 8.59% |
Book Value vs Market Value Analysis
This analysis compares Pontiac 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: 0.92x
- 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 decreased from 1.20x to 0.92x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $441.02 | $530.00 | x |
| 2020-12-31 | $476.37 | $530.00 | x |
| 2021-12-31 | $507.51 | $530.00 | x |
| 2022-12-31 | $482.27 | $530.00 | x |
| 2023-12-31 | $527.67 | $530.00 | x |
| 2024-12-31 | $573.00 | $530.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pontiac 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): 9.86%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.29%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.68x
- Recent ROE (9.86%) is above the historical average (8.75%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 6.92% | 24.36% | 0.05x | 6.29x | $-2.78 Million |
| 2020 | 7.60% | 26.40% | 0.04x | 6.40x | $-2.34 Million |
| 2021 | 8.43% | 27.89% | 0.03x | 9.23x | $-1.64 Million |
| 2022 | 8.96% | 26.09% | 0.03x | 10.02x | $-1.03 Million |
| 2023 | 10.71% | 25.65% | 0.05x | 9.28x | $780.56K |
| 2024 | 9.86% | 20.29% | 0.05x | 9.68x | $-161.24K |
Industry Comparison
This section compares Pontiac 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 |
|---|---|---|---|---|
| Pontiac Bancorp Inc (PONT) | $- | 6.92% | N/A | $5.17 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 |