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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.84
SAL's Cash to Debt is ranked higher than
71% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.91 vs. SAL: 1.84 )
SAL' s 10-Year Cash to Debt Range
Min: 0.07   Max: N/A
Current: 1.84

Equity to Asset 0.12
SAL's Equity to Asset is ranked higher than
83% of the 2309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SAL: 0.12 )
SAL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.12

0.08
0.13
Interest Coverage 1.16
SAL's Interest Coverage is ranked higher than
68% of the 2192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SAL: 1.16 )
SAL' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.63
Current: 1.16

0.06
1.63
F-Score: 5
Z-Score: 0.20
WACC vs ROIC
7.60%
5.31%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 18.50
SAL's Operating margin (%) is ranked higher than
59% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.39 vs. SAL: 18.50 )
SAL' s 10-Year Operating margin (%) Range
Min: 3.81   Max: 42.27
Current: 18.5

3.81
42.27
Net-margin (%) 14.01
SAL's Net-margin (%) is ranked higher than
60% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. SAL: 14.01 )
SAL' s 10-Year Net-margin (%) Range
Min: 6.15   Max: 27.98
Current: 14.01

6.15
27.98
ROE (%) 4.89
SAL's ROE (%) is ranked higher than
59% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.01 vs. SAL: 4.89 )
SAL' s 10-Year ROE (%) Range
Min: 2.62   Max: 13.67
Current: 4.89

2.62
13.67
ROA (%) 0.59
SAL's ROA (%) is ranked higher than
64% of the 2427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SAL: 0.59 )
SAL' s 10-Year ROA (%) Range
Min: 0.23   Max: 1.27
Current: 0.59

0.23
1.27
ROC (Joel Greenblatt) (%) 41.65
SAL's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 90.48 vs. SAL: 41.65 )
SAL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.84   Max: 112.78
Current: 41.65

9.84
112.78
Revenue Growth (3Y)(%) 1.50
SAL's Revenue Growth (3Y)(%) is ranked higher than
72% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SAL: 1.50 )
SAL' s 10-Year Revenue Growth (3Y)(%) Range
Min: -40.1   Max: 12.9
Current: 1.5

-40.1
12.9
EBITDA Growth (3Y)(%) -10.60
SAL's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SAL: -10.60 )
SAL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -40.7   Max: 58.9
Current: -10.6

-40.7
58.9
EPS Growth (3Y)(%) -14.60
SAL's EPS Growth (3Y)(%) is ranked higher than
54% of the 1888 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. SAL: -14.60 )
SAL' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.8   Max: 47.5
Current: -14.6

-38.8
47.5
» SAL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.10
SAL's P/E(ttm) is ranked higher than
64% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SAL: 16.10 )
SAL' s 10-Year P/E(ttm) Range
Min: 9.26   Max: 44.93
Current: 16.1

9.26
44.93
Forward P/E 10.63
SAL's Forward P/E is ranked higher than
86% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SAL: 10.63 )
N/A
PE(NRI) 16.20
SAL's PE(NRI) is ranked higher than
69% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SAL: 16.20 )
SAL' s 10-Year PE(NRI) Range
Min: 9.24   Max: 44.93
Current: 16.2

9.24
44.93
P/B 1.00
SAL's P/B is ranked higher than
79% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SAL: 1.00 )
SAL' s 10-Year P/B Range
Min: 0.53   Max: 2.22
Current: 1

0.53
2.22
P/S 2.02
SAL's P/S is ranked higher than
82% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.74 vs. SAL: 2.02 )
SAL' s 10-Year P/S Range
Min: 1.53   Max: 4.44
Current: 2.02

1.53
4.44
POCF 16.14
SAL's POCF is ranked higher than
80% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 152.54 vs. SAL: 16.14 )
SAL' s 10-Year POCF Range
Min: 4.18   Max: 70.53
Current: 16.14

4.18
70.53
EV-to-EBIT 16.65
SAL's EV-to-EBIT is ranked higher than
65% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.11 vs. SAL: 16.65 )
SAL' s 10-Year EV-to-EBIT Range
Min: -281.6   Max: 177
Current: 16.65

-281.6
177
PEG 1.82
SAL's PEG is ranked higher than
87% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SAL: 1.82 )
SAL' s 10-Year PEG Range
Min: 0.65   Max: 29.06
Current: 1.82

0.65
29.06
Shiller P/E 15.20
SAL's Shiller P/E is ranked higher than
86% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SAL: 15.20 )
SAL' s 10-Year Shiller P/E Range
Min: 8.26   Max: 19.61
Current: 15.2

8.26
19.61
Days Sales Outstanding 28.65
SAL's Days Sales Outstanding is ranked higher than
91% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SAL: 28.65 )
SAL' s 10-Year Days Sales Outstanding Range
Min: 25.7   Max: 64.16
Current: 28.65

25.7
64.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.73
SAL's Dividend Yield is ranked higher than
73% of the 2273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. SAL: 3.73 )
SAL' s 10-Year Dividend Yield Range
Min: 2.09   Max: 5.26
Current: 3.73

2.09
5.26
Dividend Payout 0.57
SAL's Dividend Payout is ranked higher than
63% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. SAL: 0.57 )
SAL' s 10-Year Dividend Payout Range
Min: 0.23   Max: 2.86
Current: 0.57

0.23
2.86
Yield on cost (5-Year) 4.55
SAL's Yield on cost (5-Year) is ranked higher than
70% of the 2281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. SAL: 4.55 )
SAL' s 10-Year Yield on cost (5-Year) Range
Min: 2.57   Max: 6.46
Current: 4.55

2.57
6.46
Share Buyback Rate -1.50
SAL's Share Buyback Rate is ranked higher than
73% of the 1718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SAL: -1.50 )
SAL' s 10-Year Share Buyback Rate Range
Min: 3   Max: -78
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
SAL's Price/Tangible Book is ranked higher than
77% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SAL: 1.10 )
SAL' s 10-Year Price/Tangible Book Range
Min: 0.88   Max: 2.49
Current: 1.1

0.88
2.49
Price/DCF (Projected) 0.90
SAL's Price/DCF (Projected) is ranked higher than
87% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SAL: 0.90 )
SAL' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 2.1
Current: 0.9

0.41
2.1
Price/Median PS Value 0.90
SAL's Price/Median PS Value is ranked higher than
81% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SAL: 0.90 )
SAL' s 10-Year Price/Median PS Value Range
Min: 0.73   Max: 6.11
Current: 0.9

0.73
6.11
Price/Peter Lynch Fair Value 0.80
SAL's Price/Peter Lynch Fair Value is ranked lower than
68% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SAL: 0.80 )
SAL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45   Max: 4.86
Current: 0.8

0.45
4.86
Price/Graham Number 0.90
SAL's Price/Graham Number is ranked higher than
81% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SAL: 0.90 )
SAL' s 10-Year Price/Graham Number Range
Min: 0.52   Max: 1.75
Current: 0.9

0.52
1.75
Earnings Yield (Greenblatt) 6.10
SAL's Earnings Yield (Greenblatt) is ranked higher than
54% of the 2411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SAL: 6.10 )
SAL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 17.4
Current: 6.1

0.6
17.4
Forward Rate of Return (Yacktman) 21.71
SAL's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.45 vs. SAL: 21.71 )
SAL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11   Max: 27.8
Current: 21.71

-11
27.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Salisbury Bancorp Inc is a Connecticut corporation that was organized on April 24, 1998. The Company is a bank holding company for Salisbury Bank or the Bank. The Company, together with its subsidiary, provides commercial banking, consumer financing, retail banking and trust and wealth advisory services through a network of eight banking offices and eight ATMs located in Litchfield County, Connecticut, Dutchess County, New York and Berkshire County, Massachusetts and through its internet website. Its lending activities include: The Bank originates commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one-to-four family residences, home equity lines of credit and fixed rate loans and other consumer loans predominately in Connecticuts Litchfield County, Massachusetts Berkshire County and New Yorks Dutchess County in towns proximate to the Banks eight full service offices. A main lending activity of the Bank is to originate prime loans secured by first mortgages on one-to-four family residences. The Bank originates residential real estate loans through commissioned mortgage originators. The Bank originates both fixed rate and adjustable rate mortgages. The Bank originates both residential and commercial construction loans. The Bank originates types of consumer loans, including home equity loans and lines of credit, auto, and personal installment loans. Home equity loans and lines of credit are secured by one-to-four family owner-occupied properties, typically by second mortgages. Home equity loans have fixed interest rates, while home equity lines of credit adjust based on the Banks base rate of interest. Consumer loans are originated through the branch network. The Bank provides fiduciary and trust services and general investment management and wealth advisory services to individuals, families and institutions. The Bank faces competition in attracting and retaining deposits and in making loans. It is subject to regulation and regular examinations by the Federal Reserve System.
» More Articles for SAL

Headlines

Articles On GuruFocus.com
Salisbury Bancorp Inc Reports Operating Results (10-Q) Nov 15 2010 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Aug 09 2010 
Salisbury Bancorp Inc Reports Operating Results (10-Q) May 17 2010 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Nov 16 2009 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Aug 14 2009 
Salisbury Bancorp Inc Reports Operating Results (10-Q) May 14 2009 

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