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Profile - Advance Financial Bancorp (NasdaqSC:AFBC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs
Recent Events
Aug 23Price hit new 52-week high ($14.00)
Location
1015 Commerce Street
Wellsburg, WV 26070
Phone: (304) 737-3531
Fax: (304) 527-1784
Email: webmaster@advancefinacial.com
Employees (last reported count): 53
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 46%
·Institutional: 19% (35% of float)
(4 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Advance Financial Bancorp is a unitary savings and loan holding company. The Company conducts no significant business or operations of its own other than holding all of the outstanding stock of Advance Financial Savings Bank. The Bank is a federally chartered stock savings bank headquartered in Wellsburg, West Virginia. The Bank operates a traditional savings bank business, attracting deposit accounts from the general public and using those deposits, together with other funds, primarily to originate and invest in loans secured by one- to four-family residential real estate, non-residential real estate, and commercial loans. To a lesser extent, the Bank also originates multi-family real estate loans and consumer loans. As of June 30, 2000, the Company had total assets of $145.3 million, total deposits of $118.9 million, and total stockholders' equity of $15.1 million.
More from Market Guide: Expanded Business Description

Financial Summary
AFBC is a holding company for Advance Financial Savings Bank, a federally chartered stock savings bank that attracts deposit accounts and invests in RE secured loans. For the nine months ended 3/01, interest income rose 14% to $9 million. Net interest income after loss prov. rose 3% to $3.7 million. Net income rose 9% to $689 thousand. Net interest income reflects higher average balances, partially offset by higher interest on deposits. Earnings benefited from higher service charges.
More from Market Guide: Significant Developments

Officers
FY2000 Pay

Stephen Gagliardi, 52
Pres, CEO
$149K
Marc DeSantis, 38
VP of Investor Relations
--  
Steven Martino, 45
VP
--  
Stephen Magnone, 38
Treasurer
--  
Florence McAlpine, 53
Corp. Sec.
--  
Dollar amounts are as of 30-June-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:AFBCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 28-Dec-2000
$9.00 
Recent Price$13.45 
52-Week High
on 23-Aug-2001
$14.00 
Beta0.44 
Daily Volume (3-month avg)1,545 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+25.1%
52-Week Change
relative to S&P500
+67.9%
Share-Related Items
Market Capitalization$12.5M
Shares Outstanding932.0K
Float500.0K
Dividends & Splits
Annual Dividend (indicated)$0.40 
Dividend Yield2.97%
Last Splitnone 
Per-Share Data
Book Value (mrq)$17.32 
Earnings (ttm)$1.08 
Earnings (mrq)$0.28 
Sales (ttm)$13.43 
Cash (mrq)$1.04 
Valuation Ratios
Price/Book (mrq)0.78 
Price/Earnings (ttm)12.43 
Price/Sales (ttm)1.00 
Income Statements
Sales (ttm)$11.8M
EBITDAN/A 
Income available to common (ttm)$951.0K
Profitability
Profit Margin (ttm)8.1%
Operating Margin (ttm)41.8%
Fiscal Year
Fiscal Year EndsJune 30
Most recent quarter31-Mar-2001
Management Effectiveness
Return on Assets (ttm)0.62%
Return on Equity (ttm)6.16%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$970.0K
Short Interest
As of 8-Aug-2001
Shares Short1,000 
Percent of Float0.2%
Shares Short
(Prior Month)
1,000 
Short Ratio0.25 
Daily Volume4,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 31-Mar-2001)

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