BEO Bancorp

BEOB

Banks - Regional · Financial Services

Price

$67.00

+0.00 (+0.00%)

Market Cap

$163.0M

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Based on the IPO prospectus (annual filing). This score will refine automatically once the company reports its first quarters.

Data as of Aug 13, 2026 · filings through Dec 31, 2014

How the score breaks down

Growth

Weak

Valuation

Good

Track this stock — start free trial

Share count falling — buybacks

−5.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.6M (2021) → 2.5M (2025)

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

For growth stock investors

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

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

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

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Not applicable for this business.

Growth

Sales YoY

+12.2%

Fast-growing sales (+12.2% YoY)

EPS YoY

-1.5%

Earnings shrinking (-1.5% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

N/A

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

P/E Ratio (TTM)

10.2x

Attractive valuation — P/E 10.2

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

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial