Image Source: Unsplash

Apollo Bancorp Inc has the ticker symbol APLO and is a small cap member of the financial services sector as an regional banking firm. This is my first report on Apollo Bancorp Inc for this Vista folio or any of the other five for that matter.

Apollo Bancorp, Inc. operates as the bank holding company for Apollo Trust Company that provides banking products and services in Pennsylvania. 

It accepts business, checking, order checks, savings, holiday club, and money market deposits, as well as certificates of deposit and individual retirement accounts. The company also offers mortgages, home equity loans, auto and personal loans, and construction and lot loans; and commercial loans, commercial credit lines, and commercial real estate loans, as well as overdrafts. 

In addition, it provides direct deposit, overdraft privilege, debit card, bill pay, Popmoney, FDIC insurance, safe deposit box services, and e-statements, as well as online, phone, mobile banking, and wealth management services, including investment, brokerage, retirement planning, estate planning, and trust services. 

The company operates seven locations in Apollo, Allegheny Township, North Apollo, North Washington, Spring Church, and Pittsburgh; and a loan office located Fox Chapel. 

Apollo Bancorp, Inc. was founded in 1871 and is based in Apollo, Pennsylvania.

Three key data points gauge dividend equities or funds like Apollo Bancorp Inc:

(1) Price

(2) Dividends

(3) Returns

Those three basic keys best tell whether a company has made, is making, and will make money. 

APLO Price

Apollo's price per share closed at $42.75 yesterday. One year ago its price was $40.75. Thus, price per share has grown almost 5% as it  recovered from last-year's COVID market slump. 

Should Apollo Bancorp Inc  stock trade in the range of $37.00 to $44.00 this year, its recent $42.75 price might rise by $0.65 to reach $43.40 by May 7, 2022. My estimate is based on the APLO average annual price gain for the past ten years.

APLO Dividends

Apollo's most recent quarterly dividend of $0.53 was paid April 1st, and equates to $2.12 annually yielding 4.96% at yesterday's $42.75 closing price. Apollo Bancorp Inc has paid annually increasing quarterly dividends for 10 years. 

APLO Returns

Adding the $2.12 annual Apollo Bancorp  forward looking dividend to my $0.65 price upside estimate shows a $2.77 potential gross gain, per share, to be reduced by any costs to trade the shares.  

If we put little under $1,000.00 today in Apollo Bancorp Inc at $42.75 per share, we'd buy 23 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at sale and might cost us about $0.43 per share.

Subtract that maybe $0.43 brokerage cost from my estimated $2.77 gross gain per share results in a net gain of $2.34 X 23 shares = $53.82 for a 5.4% net gain on a $983.25 investment.

Thus, Apollo Bancorp Inc shows a possible 5.5% net gain including a 4.96% forward looking dividend yield. 

Over the next year at this time a $1000 investment in APLO could generate $49.60 in cash dividends. And a single share bought at yesterday's closing price was $42.75! So, if APLO is your kind of regional bank investment, APLO is showing share price just above the expected annual dividend income from $1,000 invested. This suggests now could be a good time to add Apollo Bancorp Inc to your holdings. 

All of the estimates above are speculation based on the past history of Apollo Bancorp Inc. Only time and money invested in this stock will determine its worth.