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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.58
SBTB's Cash to Debt is ranked lower than
71% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. SBTB: 0.58 )
Ranked among companies with meaningful Cash to Debt only.
SBTB' s Cash to Debt Range Over the Past 10 Years
Min: 0.3  Med: No Debt Max: No Debt
Current: 0.58
Equity to Asset 0.06
SBTB's Equity to Asset is ranked lower than
87% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SBTB: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
SBTB' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.08
Current: 0.06
0.06
0.08
Interest Coverage 1.11
SBTB's Interest Coverage is ranked lower than
61% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SBTB: 1.11 )
Ranked among companies with meaningful Interest Coverage only.
SBTB' s Interest Coverage Range Over the Past 10 Years
Min: 0.28  Med: 0.87 Max: 2.64
Current: 1.11
0.28
2.64
F-Score: 3
M-Score: -3.75
WACC vs ROIC
3.66%
2.63%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.69
SBTB's Operating margin (%) is ranked lower than
87% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. SBTB: 8.69 )
Ranked among companies with meaningful Operating margin (%) only.
SBTB' s Operating margin (%) Range Over the Past 10 Years
Min: -14.68  Med: 10.82 Max: 18.87
Current: 8.69
-14.68
18.87
Net-margin (%) 7.77
SBTB's Net-margin (%) is ranked lower than
85% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. SBTB: 7.77 )
Ranked among companies with meaningful Net-margin (%) only.
SBTB' s Net-margin (%) Range Over the Past 10 Years
Min: -6.7  Med: 8.12 Max: 14.02
Current: 7.77
-6.7
14.02
ROE (%) 4.04
SBTB's ROE (%) is ranked lower than
79% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. SBTB: 4.04 )
Ranked among companies with meaningful ROE (%) only.
SBTB' s ROE (%) Range Over the Past 10 Years
Min: -3.78  Med: 3.86 Max: 6.82
Current: 4.04
-3.78
6.82
ROA (%) 0.27
SBTB's ROA (%) is ranked lower than
83% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SBTB: 0.27 )
Ranked among companies with meaningful ROA (%) only.
SBTB' s ROA (%) Range Over the Past 10 Years
Min: -0.29  Med: 0.31 Max: 0.54
Current: 0.27
-0.29
0.54
Revenue Growth (3Y)(%) -2.40
SBTB's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SBTB: -2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBTB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.4  Med: 5.55 Max: 11.3
Current: -2.4
-2.4
11.3
EBITDA Growth (3Y)(%) -15.80
SBTB's EBITDA Growth (3Y)(%) is ranked lower than
89% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SBTB: -15.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBTB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.7  Med: -4.4 Max: 34.5
Current: -15.8
-23.7
34.5
EPS Growth (3Y)(%) -14.60
SBTB's EPS Growth (3Y)(%) is ranked lower than
86% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SBTB: -14.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBTB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.3  Med: -3.95 Max: 53.7
Current: -14.6
-26.3
53.7
» SBTB's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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SBT Bancorp Inc is the holding company for The Simsbury Bank & Trust Company Inc which offers commercial banking and financial services to residents and businesses. It offers commercial loans, FDIC-insured checking and savings and IRA accounts.

SBT Bancorp Inc was incorporated in the State of Connecticut on February 17, 2006. It is the holding company for The Simsbury Bank & Trust Company, Inc. (the Bank). The Bank offers commercial banking services to residents and businesses in its primary and secondary markets through a wide variety of mortgage programs as well as home equity lines and loans, FDIC-insured checking, savings, and IRA accounts, 401K rollover accounts, as well as safe deposit and other customary non-deposit banking services. The Bank offers investment products to customers through SBT Investment Services, Inc., a wholly-owned subsidiary of the Bank, and through its affiliation with the securities broker/dealer LPL Financial Corporation. The Bank also has seven ATMs; two are located at each of its main office and its Bloomfield office, and one at each of the other branch/business offices. The ATMs generate activity fees based upon utilization by other banks' customers. The towns of Avon, Bloomfield, Canton, Granby and Simsbury, which comprise the Bank's primary market, are located in north central Connecticut, west of the Connecticut River near the northern corner of Hartford.

Ratios

vs
industry
vs
history
P/E(ttm) 23.14
SBTB's P/E(ttm) is ranked lower than
81% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. SBTB: 23.14 )
Ranked among companies with meaningful P/E(ttm) only.
SBTB' s P/E(ttm) Range Over the Past 10 Years
Min: 10.72  Med: 19.91 Max: 66.91
Current: 23.14
10.72
66.91
PE(NRI) 23.14
SBTB's PE(NRI) is ranked lower than
81% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. SBTB: 23.14 )
Ranked among companies with meaningful PE(NRI) only.
SBTB' s PE(NRI) Range Over the Past 10 Years
Min: 10.72  Med: 19.91 Max: 66.91
Current: 23.14
10.72
66.91
Price/Owner Earnings (ttm) 57.23
SBTB's Price/Owner Earnings (ttm) is ranked lower than
94% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. SBTB: 57.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SBTB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.7  Med: 20.85 Max: 285.43
Current: 57.23
8.7
285.43
P/B 0.96
SBTB's P/B is ranked higher than
62% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SBTB: 0.96 )
Ranked among companies with meaningful P/B only.
SBTB' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 0.98 Max: 1.89
Current: 0.96
0.65
1.89
P/S 1.66
SBTB's P/S is ranked higher than
81% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. SBTB: 1.66 )
Ranked among companies with meaningful P/S only.
SBTB' s P/S Range Over the Past 10 Years
Min: 1.13  Med: 1.43 Max: 3.34
Current: 1.66
1.13
3.34
PFCF 14.79
SBTB's PFCF is ranked lower than
59% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. SBTB: 14.79 )
Ranked among companies with meaningful PFCF only.
SBTB' s PFCF Range Over the Past 10 Years
Min: 3.16  Med: 13.06 Max: 411.76
Current: 14.79
3.16
411.76
POCF 9.76
SBTB's POCF is ranked higher than
54% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SBTB: 9.76 )
Ranked among companies with meaningful POCF only.
SBTB' s POCF Range Over the Past 10 Years
Min: 3.07  Med: 11.37 Max: 114.75
Current: 9.76
3.07
114.75
EV-to-EBIT 32.05
SBTB's EV-to-EBIT is ranked lower than
87% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SBTB: 32.05 )
Ranked among companies with meaningful EV-to-EBIT only.
SBTB' s EV-to-EBIT Range Over the Past 10 Years
Min: -49.7  Med: 9.4 Max: 181.7
Current: 32.05
-49.7
181.7
EV-to-EBITDA 25.47
SBTB's EV-to-EBITDA is ranked lower than
85% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. SBTB: 25.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
SBTB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -42.8  Med: 7.65 Max: 101.3
Current: 25.47
-42.8
101.3
Shiller P/E 22.24
SBTB's Shiller P/E is ranked lower than
58% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. SBTB: 22.24 )
Ranked among companies with meaningful Shiller P/E only.
SBTB' s Shiller P/E Range Over the Past 10 Years
Min: 12.04  Med: 20.05 Max: 25.36
Current: 22.24
12.04
25.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.57
SBTB's Dividend Yield is ranked lower than
54% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. SBTB: 2.57 )
Ranked among companies with meaningful Dividend Yield only.
SBTB' s Dividend Yield Range Over the Past 10 Years
Min: 0.75  Med: 2.42 Max: 3.76
Current: 2.57
0.75
3.76
Dividend Payout 0.60
SBTB's Dividend Payout is ranked lower than
84% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SBTB: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
SBTB' s Dividend Payout Range Over the Past 10 Years
Min: 0.25  Med: 0.57 Max: 4
Current: 0.6
0.25
4
Dividend Growth (3y) 32.60
SBTB's Dividend Growth (3y) is ranked higher than
86% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. SBTB: 32.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SBTB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -8.8 Max: 32.6
Current: 32.6
0
32.6
Forward Dividend Yield 2.57
SBTB's Forward Dividend Yield is ranked lower than
60% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. SBTB: 2.57 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.46
SBTB's Yield on cost (5-Year) is ranked lower than
51% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. SBTB: 3.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBTB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.01  Med: 3.25 Max: 5.06
Current: 3.46
1.01
5.06
3-Year Average Share Buyback Ratio -15.20
SBTB's 3-Year Average Share Buyback Ratio is ranked lower than
84% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SBTB: -15.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SBTB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.2  Med: -0.95 Max: 0
Current: -15.2
-15.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.95
SBTB's Price/Tangible Book is ranked higher than
65% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SBTB: 0.95 )
Ranked among companies with meaningful Price/Tangible Book only.
SBTB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.66  Med: 1.14 Max: 2.41
Current: 0.95
0.66
2.41
Price/Projected FCF 1.28
SBTB's Price/Projected FCF is ranked lower than
84% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. SBTB: 1.28 )
Ranked among companies with meaningful Price/Projected FCF only.
SBTB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.7 Max: 1.45
Current: 1.28
0.47
1.45
Price/Median PS Value 1.16
SBTB's Price/Median PS Value is ranked lower than
57% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SBTB: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
SBTB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.81  Med: 1.06 Max: 2.85
Current: 1.16
0.81
2.85
Price/Graham Number 0.99
SBTB's Price/Graham Number is ranked lower than
55% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. SBTB: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
SBTB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.69  Med: 1.07 Max: 1.77
Current: 0.99
0.69
1.77
Earnings Yield (Greenblatt) (%) 3.09
SBTB's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SBTB: 3.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SBTB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 7.6 Max: 995.7
Current: 3.09
0.6
995.7
Forward Rate of Return (Yacktman) (%) -10.01
SBTB's Forward Rate of Return (Yacktman) (%) is ranked lower than
87% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. SBTB: -10.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SBTB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -23.6  Med: 2.5 Max: 10.6
Current: -10.01
-23.6
10.6

More Statistics

Revenue (TTM) (Mil) $16.11
EPS (TTM) $ 0.94
Beta0.33
Short Percentage of Float0.00%
52-Week Range $19.05 - 22.96
Shares Outstanding (Mil)1.36
» More Articles for SBTB

Headlines

Articles On GuruFocus.com
This Company Delivers Dividend Increases, Not Bad Emails Nov 26 2012 

More From Other Websites
SBT BANCORP, INC. Financials Nov 23 2016
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 17 2016
SBT Bancorp Announces Quarterly Dividend Nov 17 2016
SBT BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 14 2016
SBT Bancorp, Inc. (Connecticut) :SBTB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28,... Oct 28 2016
SBT BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 27 2016
SBT Bancorp, Inc. Reports Third Quarter 2016 Results Oct 27 2016
SBT Bancorp, Inc. (Connecticut) : SBTB-US: Dividend Analysis : September 02nd, 2016 (record date) :... Oct 21 2016
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 19 2016
SBT Bancorp Announces Quarterly Dividend Aug 18 2016
SBT BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 15 2016
SBT Bancorp, Inc. (Connecticut) :SBTB-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3,... Aug 03 2016
SBT BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 28 2016
SBT Bancorp, Inc. Reports Second Quarter 2016 Results Jul 28 2016
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 01 2016
SBT Bancorp, Inc. (Connecticut) :SBTB-US: Earnings Analysis: Q1, 2016 By the Numbers May 20 2016
SBT Bancorp Announces Quarterly Dividend May 19 2016
SBT BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 13 2016
SBT BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... May 11 2016
SBT BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 29 2016

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