OTCM
BOID
Market cap196mUSD
Apr 30, Last price
44.24USD
Name
Bank of Idaho Holding Co
Chart & Performance
P/E
14.43
P/S
3.62
EPS
3.07
Div Yield, %
—
Shrs. gr., 5y
15.98%
Rev. gr., 5y
19.32%
Revenues
54m
-14.58%
Net income
14m
+60.13%
CFO
0k
-100.00%
Earnings
Jul 24, 2025
Profile
Bank of Idaho Holding Company operates as the holding company for Bank of Idaho that provides personal and business banking products and services in Idaho. The company offers checking and savings, and money market accounts, as well as individual retirement accounts, certificate of deposit, and various accounts and deposits; and auto, home, recreational vehicle, personal, agriculture, small business administration and FSA, commercial real estate, term operating capital, term equipment, and home equity loans, as well as lines of credit, letters of credit, and debit and credit cards. It also provides automated clearing house payments and debits, bill payments, remote and mobile deposits, sweep accounts, trusts, investment management and custody accounts, estate planning, annuities, 401(k), safe deposit boxes, digital wallet, teller, and wire transfer services, as well as online, mobile, text, and telephone banking services. The company has banking locations in Idaho Falls, Idaho; Ashton, Idaho; Pocatello, Idaho; St. Anthony, Idaho; Island Park, Idaho; Boise, Idaho; and Nampa, Idaho, as well as a mortgage origination office in Twin Falls, Idaho. The company was incorporated in 1985 and is based in Idaho Falls, Idaho.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | |||||||||
Revenues | 54,297 -14.58% | 63,564 55.23% | 40,948 19.10% | ||||||
Cost of revenue | 6,748 | 27,947 | 23,236 | ||||||
Unusual Expense (Income) | |||||||||
NOPBT | 47,549 | 35,617 | 17,713 | ||||||
NOPBT Margin | 87.57% | 56.03% | 43.26% | ||||||
Operating Taxes | 4,640 | 3,256 | 2,535 | ||||||
Tax Rate | 9.76% | 9.14% | 14.31% | ||||||
NOPAT | 42,909 | 32,361 | 15,178 | ||||||
Net income | 13,630 60.13% | 8,512 40.82% | 6,044 0.63% | ||||||
Dividends | |||||||||
Dividend yield | |||||||||
Proceeds from repurchase of equity | (154) | 52,070 | |||||||
BB yield | |||||||||
| Debt | |||||||||
Debt current | 37,600 | 1,108 | |||||||
Long-term debt | 59,653 | 33,073 | 37,054 | ||||||
Deferred revenue | |||||||||
Other long-term liabilities | 1,123,788 | 258,835 | (30,799) | ||||||
Net debt | (21,337) | (85,314) | (236,604) | ||||||
| Cash flow | |||||||||
Cash from operating activities | 11,812 | 21,535 | |||||||
CAPEX | (1,862) | (3,000) | |||||||
Cash from investing activities | (164,793) | (138,222) | |||||||
Cash from financing activities | 147,280 | 54,816 | |||||||
FCF | (605,189) | 683,020 | 6,482 | ||||||
| Balance | |||||||||
Cash | 80,990 | 41,866 | 153,467 | ||||||
Long term investments | 114,121 | 121,299 | |||||||
Excess cash | 78,275 | 152,809 | 272,718 | ||||||
Stockholders' equity | 131,365 | 115,695 | 106,722 | ||||||
Invested Capital | 1,236,531 | 325,271 | 870,374 | ||||||
ROIC | 5.49% | 5.41% | 1.97% | ||||||
ROCE | 3.62% | 8.08% | 1.81% | ||||||
| EV | |||||||||
Common stock shares outstanding | 4,481 | 4,453 | 3,813 | ||||||
Price | |||||||||
Market cap | |||||||||
EV | |||||||||
EBITDA | 47,549 | 37,583 | 19,529 | ||||||
EV/EBITDA | |||||||||
Interest | 11,058 | 1,961 | |||||||
Interest/NOPBT | 31.05% | 11.07% | |||||||