Steele Bancorp Inc.
Steele Bancorp Inc. Fundamental Analysis
Steele Bancorp Inc. (STLE) shows strong financial fundamentals with a PE ratio of 2.83, profit margin of 44.74%, and ROE of 25.05%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 89.8/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze STLE's fundamental strength across five key dimensions:
Efficiency Score
WeakSTLE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSTLE trades at attractive valuation levels.
Growth Score
ModerateSTLE shows steady but slowing expansion.
Financial Health Score
ExcellentSTLE maintains a strong and stable balance sheet.
Profitability Score
ExcellentSTLE achieves industry-leading margins.
Key Financial Metrics
Is STLE Expensive or Cheap?
P/E Ratio
STLE trades at 2.83 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, STLE's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Steele Bancorp Inc. at 0.60 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.03 times EBITDA. This is generally considered low.
How Well Does STLE Make Money?
Net Profit Margin
For every $100 in sales, Steele Bancorp Inc. keeps $44.74 as profit after all expenses.
Operating Margin
Core operations generate 53.94 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $25.05 in profit for every $100 of shareholder equity.
ROA
Steele Bancorp Inc. generates $2.05 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Steele Bancorp Inc. produces operating cash flow of $10.19M, showing steady but balanced cash generation.
Free Cash Flow
Steele Bancorp Inc. generates strong free cash flow of $10.10M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.43 in free cash annually.
FCF Yield
STLE converts 13.75% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
2.83
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.009
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.60
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.27
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.13
vs 25 benchmark
Current Ratio
Current assets to current liabilities
118.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.25
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How STLE Stacks Against Its Sector Peers
| Metric | STLE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 2.83 | 18.92 | Better (Cheaper) |
| ROE | 25.05% | 816.00% | Weak |
| Net Margin | 44.74% | 830.00% | Weak |
| Debt/Equity | 0.13 | 0.86 | Strong (Low Leverage) |
| Current Ratio | 118.06 | 620.57 | Strong Liquidity |
| ROA | 2.05% | -24635.00% (disorted) | Weak |
STLE outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Steele Bancorp Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical