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equity bank Q3 results
stocksmaster
#21 Posted : Tuesday, October 26, 2010 11:34:49 AM
Rank: Member


Joined: 9/26/2006
Posts: 453
Location: CENTRAL PROVINCE
mlennyma wrote:
Share price not excited anyway.


The 53% growth seems to have been factored already by the market. Its commendable that Equity is posting almost identical results to KCB with just half the size of KCB's balance sheet.

Going forward, Equity is destined to post an EPS of Ksh 1.75 for 2010, thus a forward P/E of about 15 at current prices. This seems like a fair valuation for Equity at current prices.

Happy hunting
Njung'e
#22 Posted : Tuesday, October 26, 2010 11:37:23 AM
Rank: Elder


Joined: 2/7/2007
Posts: 11,935
Location: Nairobi
There is no excitement at all.....Hata nusu mkeka?.This is unlike EB!
Nothing great was ever achieved without enthusiasm.
mwanahisa
#23 Posted : Tuesday, October 26, 2010 11:54:14 AM
Rank: Elder


Joined: 6/2/2008
Posts: 1,438
This is an awesome set of results, for a big league bank, notwithstanding the lack of excitement in reaction to the results. There has been heavy selling and I am not surprised by the lack of reaction as long as would be buyers perceive that they can get it at current price for some time.

Traditionally, Equity has traded at a higher forward PE than any of the other big banks, so I expect it to pick up within the next 2-3 months. If the NSE remains bullish, a historical PE ratio of 20 (following full year 2010 results) is feasible, and hence a price of 35 should be achievable.
Pastor M
#24 Posted : Tuesday, October 26, 2010 11:55:44 AM
Rank: Member


Joined: 8/18/2009
Posts: 303
mjuaji wa stocks wrote:
Njung'e wrote:
@Mjuaji,

EB target of 41 by March??...hahah!!...You are such a dreamer!



Guka .... and who said dreaming is bad??

Ama kwani mtu akizeeka .... you no longer dream??? smile smile smile

Ama ni uzee Laughing out loudly Laughing out loudly Laughing out loudly Laughing out loudly Laughing out loudly ........ tungoje.


I m not only dreaming but I m seeing a vision EB will be sailing in its 40's in March 2011.
yekeyeke
#25 Posted : Tuesday, October 26, 2010 1:42:38 PM
Rank: Member


Joined: 6/4/2008
Posts: 345
mwanahisa
#26 Posted : Tuesday, October 26, 2010 2:20:00 PM
Rank: Elder


Joined: 6/2/2008
Posts: 1,438
I have crunched the numbers for Equity Bank and I am impressed twice over. EPS for Q3 (July to Sep) is Kshs 0.57 a 19.9% increase Quarter on Quarter. Overall EPS for the 9 months comes in at Kshs 1.38 a 51.5 % increase relative to 2009.

Average EPS for the 3 quarters is therefore Kshs 0.46. If we project that Q4's EPS remains at the average for the other 3 quarters, EPS for the year would be Kshs 1.85. This would represent growth of a whopping 61%.

At yesterday's average price of Kshs 26.50, the forward PE is therefore at an undemanding 14.36, with this stellar growth in profitability.

I think the current price (26.25 - 26.75) provides a compelling entry point for those who may not be in it already. Caution should be however exercised as there may not be immediate gains as long as the big sellers continue to flood the market with supply.
yekeyeke
#27 Posted : Tuesday, October 26, 2010 3:37:53 PM
Rank: Member


Joined: 6/4/2008
Posts: 345
@mwanahisa
So what would be your estimated share price as of March 2011?
My 2 cents
#28 Posted : Tuesday, October 26, 2010 3:45:57 PM
Rank: Veteran


Joined: 6/2/2010
Posts: 1,081
I am very curious what the dividend will be. If full year results represent EPS of approx. 2/= and the dividend remains a paltry 0.35 or less than 0.5.........mmmmmmhhhhhhhhh
vinii
#29 Posted : Tuesday, October 26, 2010 3:50:59 PM
Rank: Elder


Joined: 10/14/2009
Posts: 2,057
Dr. Mwangi's stewardship is proving the doughting Thomases wrong. This dude's cabinet must be bursting with awards..
If you are an eagle don't hang around with chickens; chickens don't fly....
guru267
#30 Posted : Tuesday, October 26, 2010 3:58:10 PM
Rank: Elder


Joined: 1/21/2010
Posts: 6,675
Location: Nairobi
Equity's results are always factored in before they come in so Dont expect much from the share
Mark 12:29
Deuteronomy 4:16
mwanahisa
#31 Posted : Tuesday, October 26, 2010 6:13:21 PM
Rank: Elder


Joined: 6/2/2008
Posts: 1,438
yekeyeke wrote:
@mwanahisa
So what would be your estimated share price as of March 2011?


I think that this very much depends on how bullish the market will be at the time. This is both in overall terms as well as with regard to the specific outlook for the company.

As of today, EB is trading at a historical PE ratio of 23.18.
However, if we go back over the years at the beginning of March EB has traded at a historical PE of 25.5 (1st March 2007), 22.8 (3rd March 2008), 9.8 (2nd March 2009) and 13.7 (1st March 2010). The (simple)arithmetic mean of these PE ratios is 17.95.

My own view is that with expectations of continued growth of at least 20% in profitability for 2011, then a historical PE ratio of between 17 - 20 should be reasonable. Assuming my projection of an EPS of 1.85 holds, then share price should be in the range of 31.45 to 37. I am more inclined to the 35-37 level myself. If we are lucky it could go higher, but the market needs to be extremely optimistic for that.

We can of course use other methods to estimate our target price such as DCF. Indeed some will argue that PE is rather too simplistic but let it suffice for now. Also please note that this is at best a theoretical postulation on my part which is based on various assumptions. Ultimately, the market will determine the price.
newfarer
#32 Posted : Tuesday, October 26, 2010 6:24:02 PM
Rank: Elder


Joined: 3/19/2010
Posts: 3,504
Location: Uganda
Applause Applause Applause Applause Applause Applause Applause Applause Mwanahisa. No comment
punda amecheka
guru267
#33 Posted : Tuesday, October 26, 2010 6:25:12 PM
Rank: Elder


Joined: 1/21/2010
Posts: 6,675
Location: Nairobi
Equity is overvalued especially on the dividend yield front!!! It will fall when FY2010 is announced
Mark 12:29
Deuteronomy 4:16
mwanahisa
#34 Posted : Tuesday, October 26, 2010 6:53:40 PM
Rank: Elder


Joined: 6/2/2008
Posts: 1,438
guru267 wrote:
Equity is overvalued especially on the dividend yield front!!! It will fall when FY2010 is announced


@g267, You are of course entitled to your opinion, but can you kindly provide support for your argument, especially using some statistics as I have endeavoured to do?

I am aware that Equity has a low dividend. It is partly the reason why EB has grown so tremendously over the years without ever having had to raise money from an IPO (on the NSE) or a rights issue. The only capital raising exercise since listing has been the issue of a 24.99% stake to Helios in 2007.

A low DY does not necesarily imply that share price will fall. Investors are ready to accept a low dividend (or even none at all) if they expect continued growth in revenues and profitability. There are enough examples of this on the NSE e.g. Scangroup, Co-op Bank, TPS, Diamond Trust etc. Need I go on?
youcan'tstopusnow
#35 Posted : Tuesday, October 26, 2010 8:40:26 PM
Rank: Chief


Joined: 3/24/2010
Posts: 6,779
Location: Black Africa
guru267 wrote:
Equity is overvalued especially on the dividend yield front!!! It will fall when FY2010 is announced

Nobody is buying Equity cause of the dividends. Kama ni dividends, watu wanunue BAT
GOD BLESS YOUR LIFE
VituVingiSana
#36 Posted : Tuesday, October 26, 2010 9:04:36 PM
Rank: Chief


Joined: 1/3/2007
Posts: 18,276
Location: Nairobi
My major concern with EB is that the growth will temper... thus the high PER will be unsustainable.

I support the regional expansion coz otherwise EB can't grow as fast especially in Kenya...

Great performance!
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
ProverB
#37 Posted : Tuesday, October 26, 2010 9:07:37 PM
Rank: Veteran


Joined: 3/12/2010
Posts: 1,199
Location: Eastlander
vinii wrote:
Dr. Mwangi's stewardship is proving the doughting Thomases wrong. This dude's cabinet must be bursting with awards..


WTH is doughti.... warrrrt?
..Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven...Matt5:16
- 1769 Oxford King James Bible 'Authorized Version
youcan'tstopusnow
#38 Posted : Tuesday, October 26, 2010 9:29:24 PM
Rank: Chief


Joined: 3/24/2010
Posts: 6,779
Location: Black Africa
VVS, fast approaching that 5000 posts mark! What do you have planned? smile Wazua, seriously consider giving this guy another rank
GOD BLESS YOUR LIFE
VituVingiSana
#39 Posted : Tuesday, October 26, 2010 9:37:57 PM
Rank: Chief


Joined: 1/3/2007
Posts: 18,276
Location: Nairobi
youcan'tstopusnow wrote:
VVS, fast approaching that 5000 posts mark! What do you have planned? smile Wazua, seriously consider giving this guy another rank
LOL... I would like to dedicate to KK touching 15/-...
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
sheep
#40 Posted : Tuesday, October 26, 2010 9:45:49 PM
Rank: Veteran


Joined: 7/24/2008
Posts: 781
VVS once had a blog...around 2006-2007...I think the lack of readership made him close shop...bankelele still going strong...what happened to maina t?
The utimate goal of investing is to buy low sell high;if we re-write this core equation in psychology terms it becomes buy fear sell greed.
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