TM editors' note: This article discusses a penny stock and/or nanocap/microcap. Such stocks are easily manipulated; do your own careful due diligence. 

A portfolio of stocks I've been building since September 3, 2019, named Volio, will eventually hold 52 dividend dogs. Volio is the fifth portfolio I've built (at a one dividend dog per-week pace) since 2014. Five portfolios = V for Volio!

Today I'm reviewing the first of five financial services sector stocks primed to join Volio as the ninth of nine representing the sector. One of the stocks I discuss this week could become the fiftieth overall selection for Volio!

My subject today is a nano-cap regional bank named, Apollo Bancorp Inc. Its trading ticker is APLO. This is my first ever report on Apollo Bancorp Inc for this any of my portfolios.

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

It accepts checking, NOW, order checks, savings, youth, 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, and mobile banking services; 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.

I use three key data points to 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 $41.11 Friday. A year ago their price was $41.00. Price rose $0.11 or just 0.275% last year.

Assuming Apollo's stock trades in the range of $38 to $44 this next year, its recent $41.11 price might rise by $1.89 to reach $43.00 by August 10, 2021.

APLO Dividends

Apollo's most recently declared quarterly dividend was $0.52, paid July 1st. That equates to $2.08 annually and yields 5.06% at Friday's $41.11 share price.

APLO Gains?

Adding the $2.08 annual estimated dividend to my $1.89 optimistic estimate of Apollo's price upside shows a $3.97 potential gross gain, per share, to be reduced by any costs to trade the shares.

If we put a little under $1,000.00 today in Apollo Bancorp Inc at $41.11, we would buy 24 shares of stock.

A $10 broker fee paid half at purchase and half at sale could cost us about $0.24 per share.

Subtract that $0.24 brokerage cost from my estimated $3.97 gross gain per share results in a net gain of $3.73 X 24 shares = $89.52 for an 8.95% net gain on a $986.64 investment.

Thus, Apollo Bancorp Inc shows a possible 8.95% net gain including a 5.06% dividend yield. It could be more, it could be less.

The above speculation is based on past performance and supposition. Only time and money invested will tell if Apollo Bancorp Inc is worth it.