Pontiac Bancorp, Inc.

Pontiac Bancorp, Inc.

PONT
Pontiac Bancorp, Inc.US flagOther OTC
631.60
USD
-23.15
- -
130.85MMarket Cap
Pontiac Bancorp, Inc.
PONT
(Other OTC)

Recent

price

631.60

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
FRC
106.37
122.13
141.05
152.47
172.2
190.45
- -
Revenue per Share
30.66
36.38
43.05
43.05
56.57
56.57
- -
Basic EPS, GAAP
23.74
51.28
57.89
55.85
68.62
74.05
- -
Free Cash Flow per Basic Share
6.4
7.88
8.8
9.99
12.67
12.89
- -
Dividend per Share
481.06
508.03
540.83
572.04
608.41
652.08
- -
Book Value per Share
435.85
471.68
428.25
400.22
449.91
441.23
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
22
25
29
31
36
39
43
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
2
1
2
2
Depreciation Expense
6
7
9
9
12
12
15
Net Income, GAAP
25.08
25.06
25.47
24.14
26.14
25.49
25.9
Effective Tax Rate (%)
28.82
29.79
30.52
28.23
32.85
29.7
35.38
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
4
11
40
68
20
20
LT Debt
90
98
104
99
109
119
136
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
7.37
8.22
7.75
9.63
8.98
10.82
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
7.15%
14.75%
Free Cash Flow
- -
11.61%
15.97%
Net Income, GAAP
- -
16.45%
30.46%
Sales/Revenue/Turnover
- -
11.7%
9.53%
Total Cash Common Dividend
- -
12.1%
4.73%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
36
2024
- -
- -
- -
- -
39
2025
- -
- -
- -
- -
43

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
56.57
2024
- -
- -
- -
- -
56.57
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
12.67
2024
- -
- -
- -
- -
12.89
2025
- -
- -
- -
- -
- -
Business
Pontiac Bancorp, Inc. (PONT) is a bank holding company for Bank of Pontiac, a community bank providing commercial and retail banking services to individuals, businesses, and agricultural customers primarily in Livingston, Grundy, Tazewell, McLean, and Ford Counties in central Illinois. The Bank offers deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit; consumer and mortgage lending solutions such as home equity loans, personal loans, and residential mortgages; commercial and business banking services encompassing business checking, loans, cash management, and automated clearing house services; agricultural financing including equipment, livestock, real estate, and operating loans; as well as trust services, discount brokerage, crop insurance, loan insurance, and payment protection plans. Digital and convenient banking options include online banking, mobile banking, bill pay, debit/ATM cards, telebanking, e-statements, direct deposit, automatic funds transfer, and real-time payments (RTP). Bank of Pontiac operates branches in Pontiac (main and west), Odell, Dwight, Forrest, Fairbury, Coal City, Bloomington, Minier, Delavan, Paxton, Piper City, and Melvin, with ATMs throughout its market area; the company maintains headquarters at 300 West Washington Street, Pontiac, Illinois, and traces its origins to 1947 when Bank of Pontiac opened, with the holding company formed in 1982. In September 2023, Bank of Pontiac announced the acquisition of three branches from Farmers-Merchants Bank of Illinois in Paxton, Melvin, and Piper City, involving approximately $157 million in deposits and $22 million in loans, which closed in early 2024 and expanded its footprint while increasing total assets to around $1.16 billion.

Company News

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