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BEO Bancorp

BEOB
Banks - Regional · Financial Services
Winston Score
–
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Winston Score History

The full picture

BEO Bancorp is a small regional bank holding company based in the Pacific Northwest region of the United States. It offers everyday banking services like checking and savings accounts, loans, and deposit products, mainly to individuals and small businesses in its local communities. Regional banks like BEO Bancorp compete by building close relationships with customers in areas that larger national banks sometimes overlook.

The company makes money primarily through net interest income, which is the difference between what it earns on loans and what it pays out on deposits. With a market cap of around $100 million, it is a very small bank operating in a limited geographic area, which means its success is closely tied to the health of the local economy. The main risk it faces is rising interest rates or a slowdown in loan demand, either of which can squeeze profit margins and make it harder to grow earnings over time.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.7% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-32.2% YoY

YoY Growth Rate

Earnings declining

Insider Activity

16.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$41M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

BEO Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
N/A
Data not available
Profit growth
EPS YoY
N/A
Data not available
How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
10.4x
no trend
Attractive valuation — P/E 10.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
1.49%
no trend
Small dividend — 1.49% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+45.9%
no trend
Dividend growing fast (45.9% YoY)

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