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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
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Salisbury Bancorp Inc is a holding company. The Company, together with its subsidiary, provides commercial banking, consumer financing, retail banking & trust and wealth advisory services through bank offices and ATMs.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 16.20
SAL's P/E(ttm) is ranked lower than
58% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SAL: 16.20 )
Ranked among companies with meaningful P/E(ttm) only.
SAL' s P/E(ttm) Range Over the Past 10 Years
Min: 9.28  Med: 14 Max: 44.93
Current: 16.2
9.28
44.93
PE(NRI) 16.20
SAL's PE(NRI) is ranked lower than
56% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. SAL: 16.20 )
Ranked among companies with meaningful PE(NRI) only.
SAL' s PE(NRI) Range Over the Past 10 Years
Min: 9.28  Med: 14 Max: 44.93
Current: 16.2
9.28
44.93
Price/Owner Earnings (ttm) 10.78
SAL's Price/Owner Earnings (ttm) is ranked higher than
66% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. SAL: 10.78 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SAL' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.91  Med: 12.48 Max: 75.38
Current: 10.78
3.91
75.38
P/B 1.17
SAL's P/B is ranked higher than
53% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SAL: 1.17 )
Ranked among companies with meaningful P/B only.
SAL' s P/B Range Over the Past 10 Years
Min: 0.68  Med: 0.9 Max: 1.62
Current: 1.17
0.68
1.62
P/S 2.80
SAL's P/S is ranked higher than
62% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. SAL: 2.80 )
Ranked among companies with meaningful P/S only.
SAL' s P/S Range Over the Past 10 Years
Min: 1.53  Med: 2.06 Max: 3.79
Current: 2.8
1.53
3.79
PFCF 13.11
SAL's PFCF is ranked higher than
54% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. SAL: 13.11 )
Ranked among companies with meaningful PFCF only.
SAL' s PFCF Range Over the Past 10 Years
Min: 1.54  Med: 12.76 Max: 67.3
Current: 13.11
1.54
67.3
POCF 11.50
SAL's POCF is ranked higher than
54% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SAL: 11.50 )
Ranked among companies with meaningful POCF only.
SAL' s POCF Range Over the Past 10 Years
Min: 4.18  Med: 10.53 Max: 23.49
Current: 11.5
4.18
23.49
EV-to-EBIT 12.95
SAL's EV-to-EBIT is ranked lower than
51% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SAL: 12.95 )
Ranked among companies with meaningful EV-to-EBIT only.
SAL' s EV-to-EBIT Range Over the Past 10 Years
Min: -281.6  Med: 13.7 Max: 177
Current: 12.95
-281.6
177
EV-to-EBITDA 11.00
SAL's EV-to-EBITDA is ranked higher than
54% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. SAL: 11.00 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -236.4  Med: 10.6 Max: 325.7
Current: 11
-236.4
325.7
PEG 17.67
SAL's PEG is ranked lower than
96% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. SAL: 17.67 )
Ranked among companies with meaningful PEG only.
SAL' s PEG Range Over the Past 10 Years
Min: 0.19  Med: 1.21 Max: 63.48
Current: 17.67
0.19
63.48
Shiller P/E 18.89
SAL's Shiller P/E is ranked higher than
62% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. SAL: 18.89 )
Ranked among companies with meaningful Shiller P/E only.
SAL' s Shiller P/E Range Over the Past 10 Years
Min: 8.16  Med: 11.17 Max: 19.27
Current: 18.89
8.16
19.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.86
SAL's Dividend Yield is ranked higher than
54% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SAL: 2.86 )
Ranked among companies with meaningful Dividend Yield only.
SAL' s Dividend Yield Range Over the Past 10 Years
Min: 2.57  Med: 3.82 Max: 5.26
Current: 2.86
2.57
5.26
Dividend Payout 0.42
SAL's Dividend Payout is ranked lower than
65% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SAL: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
SAL' s Dividend Payout Range Over the Past 10 Years
Min: 0.37  Med: 0.51 Max: 1.7
Current: 0.42
0.37
1.7
Forward Dividend Yield 2.86
SAL's Forward Dividend Yield is ranked higher than
51% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SAL: 2.86 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.85
SAL's Yield on cost (5-Year) is ranked lower than
56% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. SAL: 2.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SAL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.57  Med: 3.82 Max: 5.26
Current: 2.85
2.57
5.26
3-Year Average Share Buyback Ratio -17.30
SAL's 3-Year Average Share Buyback Ratio is ranked lower than
86% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. SAL: -17.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SAL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -77.7  Med: -0.2 Max: 3.1
Current: -17.3
-77.7
3.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.36
SAL's Price/Tangible Book is ranked lower than
54% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SAL: 1.36 )
Ranked among companies with meaningful Price/Tangible Book only.
SAL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.17  Med: 1.32 Max: 2.49
Current: 1.36
0.17
2.49
Price/Projected FCF 0.78
SAL's Price/Projected FCF is ranked higher than
56% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SAL: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
SAL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.69 Max: 1.18
Current: 0.78
0.37
1.18
Price/Median PS Value 1.36
SAL's Price/Median PS Value is ranked lower than
66% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SAL: 1.36 )
Ranked among companies with meaningful Price/Median PS Value only.
SAL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.76  Med: 1.3 Max: 3.64
Current: 1.36
0.76
3.64
Price/Graham Number 0.99
SAL's Price/Graham Number is ranked lower than
52% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SAL: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
SAL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.11  Med: 0.93 Max: 1.41
Current: 0.99
0.11
1.41
Earnings Yield (Greenblatt) (%) 7.66
SAL's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SAL: 7.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SAL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 7 Max: 22.6
Current: 7.66
0.6
22.6
Forward Rate of Return (Yacktman) (%) 11.12
SAL's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. SAL: 11.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SAL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -39.2  Med: 8.8 Max: 81.3
Current: 11.12
-39.2
81.3

More Statistics

Revenue (TTM) (Mil) $38.50
EPS (TTM) $ 2.42
Beta0.58
Short Percentage of Float0.02%
52-Week Range $29.50 - 40.00
Shares Outstanding (Mil)2.76
» 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 

More From Other Websites
Salisbury Bancorp, Inc. :SAL-US: Earnings Analysis: 2016 By the Numbers : February 9, 2017 Feb 09 2017
SALISBURY BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 06 2017
Salisbury Bancorp posts 4Q profit Feb 03 2017
Salisbury Bancorp posts 4Q profit Feb 03 2017
Salisbury Bancorp, Inc. Reports Results for Fourth Quarter and Full Year 2016 Feb 03 2017
SALISBURY BANCORP INC Files SEC form 8-K, Other Events Jan 27 2017
SALISBURY BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 12 2017
Salisbury Bank and Trust Company Agrees to Buy the New Paltz, New York Branch of Empire State Bank... Jan 12 2017
Salisbury Bancorp, Inc. : SAL-US: Dividend Analysis : November 11th, 2016 (record date) : By the... Jan 09 2017
SALISBURY BANCORP INC Financials Nov 22 2016
SALISBURY BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 14 2016
Julianna Sinchak Promoted to Assistant Vice President, Marketing and Sales Administration Manager Nov 14 2016
SALISBURY BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Oct 28 2016
Salisbury Bancorp, Inc. Reports Solid Results for Third Quarter 2016; Declares 28 Cent Dividend Oct 28 2016
Salisbury Bancorp, Inc. : SAL-US: Dividend Analysis : August 12th, 2016 (record date) : By the... Oct 18 2016
SALISBURY BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Sep 19 2016
Salisbury Bank's Sharon Branch Offers Free Community Shred Day on Saturday, September 17th Sep 15 2016
Riverside Bank, A Division of Salisbury Bank and Trust Company Completes it's Second Shred Season Sep 15 2016
Salisbury Bank's Great Barrington Branch Offers Free Community Shred Day on Saturday, September 10th Sep 15 2016
SALISBURY BANCORP INC Files SEC form 8-K, Regulation FD Disclosure Sep 08 2016

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