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Eagle Financial Bancorp (Eagle Financial Bancorp) Piotroski F-Score : 0 (As of Apr. 30, 2024)


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What is Eagle Financial Bancorp Piotroski F-Score?

The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Eagle Financial Bancorp has an F-score of 3. It is a bad or low score, which usually implies poor business operation.

The historical rank and industry rank for Eagle Financial Bancorp's Piotroski F-Score or its related term are showing as below:


Eagle Financial Bancorp Piotroski F-Score Historical Data

The historical data trend for Eagle Financial Bancorp's Piotroski F-Score can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Eagle Financial Bancorp Piotroski F-Score Chart

Eagle Financial Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Piotroski F-Score
Get a 7-Day Free Trial 5.00 6.00 6.00 2.00 -

Eagle Financial Bancorp Quarterly Data
Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Dec22
Piotroski F-Score Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.00 N/A 2.00 3.00 -

How is the Piotroski F-Score calculated?

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

This Year (Mar22) TTM:Last Year (Mar21) TTM:
Net Income was 0.124 + 0.423 + 0.095 + 0.047 = $0.69 Mil.
Cash Flow from Operations was 0 + 0 + 0 + 0 = $0.00 Mil.
Revenue was 1.949 + 2.307 + 1.887 + 1.665 = $7.81 Mil.
Average Total Assets from the begining of this year (Mar21)
to the end of this year (Mar22) was
(165.031 + 167.417 + 172.154 + 174.849 + 170.345) / 5 = $169.9592 Mil.
Total Assets at the begining of this year (Mar21) was $165.03 Mil.
Long-Term Debt & Capital Lease Obligation was $0.00 Mil.
Total Assets was $170.35 Mil.
Total Liabilities was $143.80 Mil.
Net Income was 0.497 + 0.656 + 0.754 + 0.436 = $2.34 Mil.

Revenue was 2.377 + 2.626 + 2.87 + 2.444 = $10.32 Mil.
Average Total Assets from the begining of last year (Mar20)
to the end of last year (Mar21) was
(144.107 + 154.505 + 0 + 160.445 + 165.031) / 5 = $156.022 Mil.
Total Assets at the begining of last year (Mar20) was $144.11 Mil.
Long-Term Debt & Capital Lease Obligation was $0.00 Mil.
Total Assets was $165.03 Mil.
Total Liabilities was $135.58 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Eagle Financial Bancorp's current Net Income (TTM) was 0.69. ==> Positive ==> Score 1.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Eagle Financial Bancorp's current Cash Flow from Operations (TTM) was 0.00. ==> Negative ==> Score 0.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Mar21)
=0.689/165.031
=0.00417497

ROA (Last Year)=Net Income/Total Assets (Mar20)
=2.343/144.107
=0.01625875

Eagle Financial Bancorp's return on assets of this year was 0.00417497. Eagle Financial Bancorp's return on assets of last year was 0.01625875. ==> Last year is higher ==> Score 0.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

Eagle Financial Bancorp's current Net Income (TTM) was 0.69. Eagle Financial Bancorp's current Cash Flow from Operations (TTM) was 0.00. ==> 0.00 <= 0.69 ==> CFROA <= ROA ==> Score 0.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Mar22)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Mar21 to Mar22
=0/169.9592
=0

Gearing (Last Year: Mar21)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Mar20 to Mar21
=0/156.022
=0

Eagle Financial Bancorp's gearing of this year was 0. Eagle Financial Bancorp's gearing of last year was 0. ==> This year is lower or equal to last year. ==> Score 1.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.

Current Ratio (This Year: Mar22)=Total Assets/Total Liabilities
=170.345/143.796
=1.18462961

Current Ratio (Last Year: Mar21)=Total Assets/Total Liabilities
=165.031/135.577
=1.21724924

Eagle Financial Bancorp's current ratio of this year was 1.18462961. Eagle Financial Bancorp's current ratio of last year was 1.21724924. ==> Last year's current ratio is higher ==> Score 0.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

Eagle Financial Bancorp's number of shares in issue this year was 1.307. Eagle Financial Bancorp's number of shares in issue last year was 1.399. ==> There is smaller number of shares in issue this year, or the same. ==> Score 1.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.

Net Margin (This Year: TTM)=Net Income/Revenue
=0.689/7.808
=0.08824283

Net Margin (Last Year: TTM)=Net Income/Revenue
=2.343/10.317
=0.2271009

Eagle Financial Bancorp's net margin of this year was 0.08824283. Eagle Financial Bancorp's net margin of last year was 0.2271009. ==> Last year's net margin is higher ==> Score 0.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Mar21)
=7.808/165.031
=0.04731232

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Mar20)
=10.317/144.107
=0.07159264

Eagle Financial Bancorp's asset turnover of this year was 0.04731232. Eagle Financial Bancorp's asset turnover of last year was 0.07159264. ==> Last year's asset turnover is higher ==> Score 0.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=1+0+0+0+1+0+1+0+0
=3

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Eagle Financial Bancorp has an F-score of 3. It is a bad or low score, which usually implies poor business operation.

Eagle Financial Bancorp  (OTCPK:EFBI) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


Eagle Financial Bancorp Piotroski F-Score Related Terms

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Eagle Financial Bancorp (Eagle Financial Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
6415 Bridgetown Road, Cincinnati, OH, USA, 45248
Eagle Financial Bancorp Inc takes deposits from the general public and invests those deposits in one-to-four-family residential real estate loans, commercial real estate and land loans, construction loans and home equity loans, and lines of credit. The company offers a variety of deposit accounts, including checking accounts, savings accounts, money market demand accounts, and certificates of deposit accounts. It generates the majority of its revenue from financial instruments like loans, and mortgage activities.
Executives
Joseph A. Ventre officer: VP Residential Lending 6581 HARRISON AVENUE, CINCINNATI OH 45247
Wilford R Mccleese officer: Vice President 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Patricia L. Walter officer: EVP 6415 BRIDGETOWN ROAD, CHEVIOT OH 45248
Gary J Koester director, officer: President and CEO 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Kevin R Schramm officer: VP and CFO 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Adam B Goetzman director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Steven C Kehoe director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
James W Braun director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Steven J Dulle director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Guy W Cagney director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248

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