10 Year Financial Data of SFSB, Inc. (SFBI)

0.63 (1y: -74%)

Market Cap	5.3 M	P/E(ttm)
Enterprise Value		P/B

SFBI- OTCPK (USA)
SFSB, Inc.

Not Rated

Top Ranked Predictable Companies

$0.63

Bookmark

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	0	0	0
EBITDA Growth (%)	0	0	0
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	0	0	0

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

Trendline:

Export:

Print This Table Print

See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	TTM	Mar08	Jun08	Sep08	Dec08	Mar09

Revenue per Share ($)	1.18	1.46	1.39	1.34	1.70	1.71	0.36	0.43	-0.19	1.11	0.36
EBITDA per Share	0.23	0.25	0.15	0.12	-0.71	-0.77	0.03	0.09	-0.57	-0.28	-0.01
Free Cashflow per Share	0.35	0.10	0.23	0.55	--	0.01	-0.08	0.04	0.04	--	-0.07
Earnings per Share ($)	0.09	0.08	0.01	0.04	-0.80	-0.89	0.02	0.05	-0.59	-0.29	-0.06
Book Value per Share	7.60	7.99	7.94	7.85	7.12	7.28	8.02	7.96	7.55	7.24	7.28
Month End Stock Price	10.75	9.60	9.60	8.25	5.80	4.75	7.00	6.90	6.45	5.80	4.75
Ratios	Annuals						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Latest Q.	Mar08	Jun08	Sep08	Dec08	Mar09

Return on Equity %	1.20	1.00	0.10	0.50	-11.30	-3.60	0.80	2.80	-31.20	-16.00	-3.60
Return on Assets %	0.20	0.10	--	0.10	-1.20	-0.40	--	0.40	-3.60	-1.60	-0.40
Return on Capital - Joel Greenblatt %	1.80	2.80	0.90	2.70	-13.70	-2.80	6.00	22.40	-151	-21.20	-2.80
Debt to Equity	1.17	1.58	1.76	1.61	1.86	1.88	1.56	1.43	1.53	1.86	1.88

Operating Margin %	13.10	9.60	1.10	4.90	-42.00	-9.50	6.70	21.60	303	-25.20	-9.50
Net Margin %	7.70	5.70	0.50	2.80	-47.00	-17.40	4.30	12.30	318	-26.00	-17.40

Debt to Revenue	7.53	8.66	10.10	9.45	7.78	37.61	34.55	26.84	-62.12	12.15	37.61
Interest Exp. to Revenue %	97.76	94.37	92.90	88.31	90.33	118	91.57	88.83	-214	39.20	118

Asset Turnover	0.02	0.02	0.02	0.02	0.03	0.01	0.01	0.01	-0.00	0.02	0.01
Income Statement	Annuals (USD $) View: $ %						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	TTM	Mar08	Jun08	Sep08	Dec08	Mar09

Net Interest Income	3.44	3.93	3.62	3.28	4.14	4.34	0.90	1.03	1.06	1.15	1.11
Non Interest Income	0.08	0.23	0.28	0.43	0.44	0.19	0.08	0.13	-1.55	1.78	-0.17
Revenue	3.52	4.16	3.90	3.71	4.58	4.53	0.98	1.16	-0.50	2.93	0.94

Selling, General, &Admin. Expense	1.65	1.96	1.92	1.93	2.32	2.43	0.54	0.53	0.55	0.70	0.65
Credit Losses Provision	0.05	0.06	0.38	0.24	0.18	0.20	0.04	0.04	0.06	0.05	0.05
Other Expenses	1.13	1.44	1.19	1.20	3.98	3.94	0.32	0.33	0.40	2.93	0.28
Earnings Before DDA	0.69	0.70	0.41	0.34	-1.91	-2.04	0.09	0.25	-1.51	-0.74	-0.04

Depreciation, Depletion and Amortization	0.23	0.30	0.37	0.16	0.02	0.04	0.02	0.00	-0.01	0.00	0.05

Operating Income	0.46	0.40	0.04	0.18	-1.92	-2.08	0.07	0.25	-1.50	-0.74	-0.09
Net Income	0.27	0.24	0.02	0.10	-2.15	-2.36	0.04	0.14	-1.57	-0.76	-0.16

Earnings per Share ($)	0.09	0.08	0.01	0.04	-0.80	-0.89	0.02	0.05	-0.59	-0.29	-0.06
Total Shares Outstanding	2.98	2.85	2.82	2.77	2.69	2.59	2.72	2.72	2.67	2.64	2.59
Balance Sheet	Annuals (USD $) View: $ %						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Latest Q.	Mar08	Jun08	Sep08	Dec08	Mar09

Cash and cash equivalents	0.75	0.71	0.88	0.61	1.62	2.63	0.77	0.58	1.30	1.62	2.63
Money Market Investments	16.30	2.59	4.07	2.51	4.13	3.87	2.91	2.67	2.56	4.13	3.87
Net Loan	118	145	150	150	157	160	151	154	155	157	160
Securities & Investments	18.96	16.68	12.53	11.94	8.59	7.85	13.01	12.31	9.51	8.59	7.85
Accounts Receivable	0.43	0.49	0.56	0.56	0.65	0.65	0.57	0.61	0.64	0.65	0.65
Property, Plant and Equipment	5.84	5.61	5.27	6.19	4.98	4.97	5.07	5.03	5.02	4.98	4.97
Other Assets	0.26	0.39	0.61	0.44	1.60	3.51	1.56	1.91	1.52	1.60	3.51
Total Assets	160	171	174	172	179	184	175	177	176	179	184

Total Deposits	110	110	112	114	123	128	118	122	124	123	128
Current Portion of Long-Term Debt	20.00	9.50	0.38	1.08	10.63	10.32	--	--	0.25	10.63	10.32
Long-Term Debt	6.50	26.50	39.00	34.00	25.00	25.00	34.00	31.00	30.50	25.00	25.00
Other liabilities	1.60	2.64	0.65	1.30	0.91	1.33	1.70	2.57	1.13	0.91	1.33
Total Liabilities	138	148	152	150	160	165	153	156	156	160	165

Common Stock	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Retained Earnings	11.14	11.38	11.39	11.50	9.34	9.18	11.54	11.68	10.11	9.34	9.18
Additional Paid-In Capital	12.68	12.73	12.79	12.83	12.86	12.89	12.85	12.88	12.84	12.86	12.89
Treasury Stock	--	-0.10	-0.66	-1.43	-2.17	-2.34	-1.43	-1.44	-1.87	-2.17	-2.34
Total Equity	22.62	22.81	22.37	21.77	19.14	18.84	21.80	21.62	20.16	19.14	18.84
Cashflow Statement	Annuals (USD $) View: $ %						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	TTM	Mar08	Jun08	Sep08	Dec08	Mar09

Net Income	0.27	0.24	0.02	0.10	-2.15	-2.36	0.04	0.14	-1.57	-0.76	-0.16
Depreciation, Depletion and Amortization	0.23	0.30	0.37	0.16	0.02	0.04	0.02	0.00	-0.01	0.00	0.05
Cash Flow from Others	0.55	-0.25	0.26	1.25	2.13	2.39	-0.28	-0.03	1.69	0.75	-0.02
Cash Flow from Operations	1.05	0.29	0.65	1.52	-0.00	0.07	-0.21	0.12	0.10	-0.01	-0.13

Investment for Property, Plant & Equipement	--	--	--	--	--	-0.04	--	--	--	--	-0.04
Cash Flow from Investing	-22.27	-25.20	-2.12	-0.20	-6.31	-6.42	-2.50	-2.62	0.77	-1.96	-2.61

Net Issuance of Stock	12.71	-0.10	-0.67	-0.85	-0.80	-0.97	--	-0.01	-0.49	-0.30	-0.17
Net Issuance of Debt	10.00	9.50	1.47	-4.31	0.56	0.24	--	-3.00	-0.50	4.06	-0.31
Other Financing	10.61	1.25	2.18	2.26	9.14	11.77	3.25	5.23	0.74	-0.08	5.88
Cash Flow from Financing	33.32	10.65	2.98	-2.89	8.89	11.04	3.25	2.22	-0.25	3.68	5.39

Net Change in Cash	12.10	-14.26	1.51	-1.57	2.58	4.69	0.54	-0.28	0.62	1.70	2.65

Free Cash Flow	1.05	0.29	0.65	1.52	-0.00	0.04	-0.21	0.12	0.10	-0.01	-0.17
Valuation Ratios (Daily)	Annuals						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Latest Q.	Mar08	Jun08	Sep08	Dec08	Mar09

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Valuation and Quality	Annuals						Quarterly
Fiscal Period	Dec04	Dec05	Dec06	Dec07	Dec08	Latest Q.	Mar08	Jun08	Sep08	Dec08	Mar09

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
Median PS (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

Switch to Another Stock:

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

Home About Jobs Advertise Site Map Term of Use Privacy Policy RSS Email Alerts Affiliate Program FAQ Contact Us
Disclaimers: GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.

FocusBar

Home

Premium Membership

Value Screens

Model Portfolios

Guru Stocks

Market Valuation

By Country

Articles

Submit Articles