10 Year Financial Data of State Investors Bancorp, Inc. (SIBC)

14.75 (1y: +22%)

Market Cap	36.7 M	P/E(ttm)	64.10
Enterprise Value	77.32 M	P/B	0.90

SIBC- NAS (USA)
State Investors Bancorp, Inc.

Not Rated

Top Ranked Predictable Companies

$14.75

1 Severe Warning Sign 3 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	0	0	-32.8
EBITDA Growth (%)	0	0	-61
Free Cash Flow Growth (%)	0	0	22.2
Book Value Growth (%)	0	0	3.2

*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.

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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	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	--	5.39	2.76	2.81	0.69	0.69	0.69	0.67	0.76
EBITDA per Share	--	1.37	0.54	0.49	0.16	0.15	0.13	0.10	0.11
Free Cashflow per Share	--	0.10	0.84	0.73	0.28	0.18	0.23	0.14	0.18
Earnings per Share ($)	--	0.74	0.26	0.23	0.07	0.08	0.07	0.03	0.05
Book Value per Share	--	33.81	15.13	16.64	16.13	16.50	16.40	15.74	16.64
Month End Stock Price	--	10.92	14.09	14.45	11.97	13.24	13.35	14.09	14.45
Ratios	Annuals				Quarterly
Fiscal Period	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	4.60	2.20	1.70	1.20	1.60	2.00	1.60	0.80	1.20
Return on Assets %	0.50	0.40	0.30	0.40	0.40	0.40	0.40	--	0.40
Return on Capital - Joel Greenblatt %	180	164	--	2.40	36.00	3.20	3.20	--	2.40
Debt to Equity	1.24	0.88	0.90	0.94	0.95	1.96	1.76	0.90	0.94

Operating Margin %	21.30	21.00	15.70	11.10	19.10	18.30	15.60	11.40	11.10
Net Margin %	13.70	13.70	9.50	6.40	10.20	11.60	10.40	5.20	6.40

Debt to Revenue	3.72	5.53	4.96	20.62	22.27	46.87	41.86	21.11	20.62
Interest Exp. to Revenue %	101	96.64	96.98	97.46	94.96	96.27	97.01	97.26	97.46

Asset Turnover	0.03	0.03	0.03	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	-2,771	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %				Quarterly
Fiscal Period	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	7.17	7.39	7.68	7.64	1.96	1.96	1.95	1.81	1.92
Non Interest Income	-0.05	0.26	0.24	0.24	0.10	0.08	0.06	0.05	0.05
Revenue	7.12	7.65	7.92	7.88	2.07	2.04	2.01	1.86	1.97

Selling, General, &Admin. Expense	3.39	3.40	3.80	3.77	1.01	1.04	1.10	0.61	1.02
Credit Losses Provision	0.09	0.15	0.14	0.16	0.03	0.03	0.03	0.05	0.05
Other Expenses	1.94	2.15	2.44	2.53	0.55	0.52	0.49	0.91	0.61
Earnings Before DDA	1.71	1.94	1.55	1.42	0.47	0.45	0.39	0.29	0.29

Depreciation, Depletion and Amortization	0.19	0.34	0.30	0.30	0.08	0.08	0.08	0.08	0.07

Operating Income	1.51	1.60	1.24	1.12	0.39	0.37	0.31	0.21	0.22
Net Income	0.98	1.05	0.75	0.67	0.21	0.24	0.21	0.10	0.13

Earnings per Share ($)	--	0.74	0.26	0.23	0.07	0.08	0.07	0.03	0.05
Total Shares Outstanding	--	1.42	2.88	2.60	3.00	2.95	2.92	2.76	2.60
Balance Sheet	Annuals (USD $) View: $ %				Quarterly
Fiscal Period	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	6.93	7.60	12.73	13.07	4.11	8.39	9.09	12.73	13.07
Money Market Investments	0.10	0.10	--	--	0.10	--	--	--	--
Net Loan	181	175	175	176	179	179	179	175	176
Securities & Investments	9.38	53.36	46.47	44.27	52.07	50.35	48.82	46.47	44.27
Accounts Receivable	1.02	1.02	1.03	1.06	1.03	1.03	1.11	1.03	1.06
Property, Plant and Equipment	7.77	8.58	8.29	8.23	8.50	8.43	8.36	8.29	8.23
Other Assets	2.85	3.82	2.60	2.78	3.17	3.24	3.03	2.60	2.78
Total Assets	209	250	246	246	248	251	250	246	246

Total Deposits	159	158	161	160	152	152	157	161	160
Accounts Payable	0.12	0.09	0.08	0.08	0.08	0.08	0.08	0.08	0.08
Current Portion of Long-Term Debt	--	--	--	40.62	--	47.78	42.04	--	40.62
Long-Term Debt	26.48	42.31	39.29	--	45.99	47.78	42.04	39.29	--
Other liabilities	1.67	1.69	1.92	2.03	1.90	-45.69	-39.51	1.92	2.03
Total Liabilities	187	202	202	203	200	202	202	202	203

Common Stock	--	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Retained Earnings	21.11	22.16	22.91	23.03	22.37	22.60	22.81	22.91	23.03
Additional Paid-In Capital	--	27.91	28.17	28.11	27.94	27.96	27.99	28.17	28.11
Treasury Stock	--	--	-4.64	-5.23	--	--	-0.47	-4.64	-5.23
Total Equity	21.29	47.97	43.50	43.22	48.40	48.67	47.92	43.50	43.22
Cashflow Statement	Annuals (USD $) View: $ %				Quarterly
Fiscal Period	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	0.98	1.05	0.75	0.67	0.21	0.24	0.21	0.10	0.13
Depreciation, Depletion and Amortization	0.19	0.34	0.30	0.30	0.08	0.08	0.08	0.08	0.07
Cash Flow from Others	0.17	0.40	1.38	1.11	0.55	0.23	0.38	0.22	0.28
Cash Flow from Operations	1.34	1.79	2.43	2.07	0.83	0.54	0.67	0.39	0.47

Investment for Property, Plant & Equipement	-2.97	-1.65	-0.01	-0.01	--	--	-0.01	--	--
Cash Flow from Investing	3.85	-41.12	8.12	10.98	-2.36	1.49	2.07	6.91	0.50

Net Issuance of Stock	--	26.77	-6.15	-6.75	--	--	-0.47	-5.69	-0.60
Net Issuance of Debt	-17.85	15.83	-3.02	-5.38	3.68	1.79	-5.74	-2.76	1.33
Other Financing	16.24	-2.59	3.66	7.94	-5.64	0.36	4.17	4.78	-1.36
Cash Flow from Financing	-1.61	40.00	-5.52	-4.19	-1.96	2.15	-2.04	-3.67	-0.63

Net Change in Cash	3.58	0.67	5.03	8.86	-3.49	4.17	0.70	3.64	0.35

Free Cash Flow	-1.63	0.14	2.42	2.06	0.83	0.54	0.66	0.39	0.47
Valuation Ratios (Daily)	Annuals				Quarterly
Fiscal Period	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

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	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

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

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