Kish Bancorp (KISB) AI Stock Analysis

• Market Cap: $84.86M
• Dividend Yield: 4.68%
• Average Volume (3M): 290.00
• Price to Earnings (P/E): 6.4
• Beta (1Y): 0.10
• Revenue Growth: 18.55%
• EPS Growth: 5.58%
• Country: US
• Employees: 125
• Sector: Financial
• Sector Strength: 88
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,606,219
• 10 Day Avg. Volume: 117
• 30 Day Avg. Volume: 290
• PEG Ratio: 1.15
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 4.88
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 4.89
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Kish Bancorp demonstrates strong financial performance with consistent revenue growth and efficient operations. The stock's valuation is attractive, with a low P/E ratio and high dividend yield. Technical indicators suggest positive momentum, though potential overbought conditions warrant caution. The overall score reflects these strengths, balanced by the need to monitor cash flow volatility and equity ratios.

Kish Bancorp Business Overview & Revenue Model

Company Description

Kish Bancorp, Inc. (KISB) operates as a financial holding company that provides a comprehensive range of financial services primarily through its subsidiary, Kish Bank. The company is headquartered in Pennsylvania and focuses on serving the financial needs of its local communities. Kish Bancorp offers a wide array of products and services, including personal and business banking, loans, mortgages, wealth management, and insurance services. The company aims to deliver personalized solutions to its customers, enhancing their financial well-being and supporting economic growth in the regions it serves.

How the Company Makes Money

Kish Bancorp makes money primarily through interest income generated by its lending activities, including personal loans, commercial loans, and mortgages. The company also earns revenue from service charges on deposit accounts and fees from various banking services. Additionally, Kish Bancorp benefits from wealth management and investment advisory fees, as well as insurance product sales. A significant portion of its earnings is driven by the interest rate spread between the interest it earns on loans and the interest it pays on deposits. Partnerships with financial service providers and a focus on community engagement further bolster its revenue streams.

Kish Bancorp Financial Statement Overview

Summary

Kish Bancorp demonstrates strong profitability and operational efficiency, with robust income statement metrics. While the balance sheet is stable, rising debt levels warrant cautious monitoring. Cash flow generation is strong, supporting sustainable operations despite fluctuations in investing cash flows.

Income Statement

Kish Bancorp shows strong profitability with consistent growth in revenue over the years. The gross profit margin and net profit margin have been improving, indicating effective cost management and strong demand. The revenue growth rate from 2022 to 2023 is approximately 7.8%, which is a positive indicator for the company. Both EBIT and EBITDA margins are robust, demonstrating operational efficiency.

Balance Sheet

The balance sheet is stable with a reasonable debt-to-equity ratio, reflecting manageable leverage. The equity ratio remains solid, indicating a healthy proportion of assets funded by equity. Return on Equity (ROE) has shown improvement, a sign of efficient use of shareholder funds. However, the rise in total debt could pose a risk if not managed carefully.

Cash Flow

Cash flow generation is strong, with a consistent increase in free cash flow, highlighting the company's ability to generate cash beyond its operational needs. The free cash flow to net income ratio is healthy, supporting sustainable business operations. Operating cash flow to net income ratio is stable, illustrating reliable cash conversion from earnings. However, significant fluctuations in investing cash flows warrant attention.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
54.29M	50.35M	44.73M	41.23M	36.04M
	Gross Profit
84.77M	50.35M	44.73M	41.23M	36.04M
	EBIT
22.60M	15.28M	11.23M	9.28M	7.90M
	EBITDA
17.74M	16.75M	12.63M	10.37M	8.99M
	Net Income Common Stockholders
13.50M	12.86M	9.88M	8.04M	7.01M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
29.74M	175.66M	272.75M	258.19M	168.86M
	Total Assets
1.54B	1.30B	1.23B	1.11B	918.31M
	Total Debt
235.96M	152.74M	134.62M	130.88M	123.63M
	Net Debt
205.98M	132.39M	40.61M	726.53K	85.95M
	Total Liabilities
1.45B	1.22B	1.16B	1.04B	853.96M
	Stockholders Equity
92.77M	71.97M	77.10M	69.96M	64.35M
Cash Flow		Free Cash Flow
13.42M	13.22M	14.02M	-2.22M	3.68M
	Operating Cash Flow
16.55M	16.19M	16.93M	7.51M	6.22M
	Investing Cash Flow
-232.68M	-149.78M	-175.46M	-85.83M	-53.85M
	Financing Cash Flow
225.76M	59.93M	122.62M	171.78M	51.07M

Kish Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.56
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KISB, the sentiment is Positive. The current price of 32.56 is above the 20-day moving average (MA) of 31.98, above the 50-day MA of 32.55, and above the 200-day MA of 31.48, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 52.80 is Neutral, neither overbought nor oversold. The STOCH value of 67.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KISB.

Kish Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KISB	82 Outperform	$84.86M	6.43	14.55%	4.68%	18.55%	5.58%
MGYR	75 Outperform	$92.98M	11.13	8.11%	1.46%	20.91%	20.23%
Sector *	64 Neutral	$12.64B	9.74	8.05%	17044.60%	12.66%	-4.62%
LSBK	63 Neutral	$85.46M	17.30	5.61%	4.77%	1.75%	22.21%
IROQ	59 Neutral	$81.89M	23.92	4.35%	1.64%	11.65%	67.39%
UBCP	57 Neutral	$74.94M	9.85	11.23%	5.69%	7.53%	-19.74%
BSBK	41 Neutral	$91.67M	―	-0.73%	―	-11.26%	-460.04%