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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 1.38
SBTB's Cash to Debt is ranked lower than
51% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. SBTB: 1.38 )
Ranked among companies with meaningful Cash to Debt only.
SBTB' s 10-Year Cash to Debt Range
Min: 0.62   Max: No Debt
Current: 1.38

Equity to Asset 0.07
SBTB's Equity to Asset is ranked lower than
77% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SBTB: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
SBTB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.08
Current: 0.07

0.07
0.08
Interest Coverage 0.92
SBTB's Interest Coverage is ranked lower than
66% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. SBTB: 0.92 )
Ranked among companies with meaningful Interest Coverage only.
SBTB' s 10-Year Interest Coverage Range
Min: 0.28   Max: 2.64
Current: 0.92

0.28
2.64
F-Score: 2
Z-Score: 0.12
WACC vs ROIC
1.89%
5.62%
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 (%) 8.58
SBTB's Operating margin (%) is ranked lower than
87% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. SBTB: 8.58 )
Ranked among companies with meaningful Operating margin (%) only.
SBTB' s 10-Year Operating margin (%) Range
Min: -17.96   Max: 34.52
Current: 8.58

-17.96
34.52
Net-margin (%) 7.71
SBTB's Net-margin (%) is ranked lower than
86% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. SBTB: 7.71 )
Ranked among companies with meaningful Net-margin (%) only.
SBTB' s 10-Year Net-margin (%) Range
Min: -8.2   Max: 22.69
Current: 7.71

-8.2
22.69
ROE (%) 3.69
SBTB's ROE (%) is ranked lower than
80% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. SBTB: 3.69 )
Ranked among companies with meaningful ROE (%) only.
SBTB' s 10-Year ROE (%) Range
Min: -3.78   Max: 14.72
Current: 3.69

-3.78
14.72
ROA (%) 0.26
SBTB's ROA (%) is ranked lower than
83% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SBTB: 0.26 )
Ranked among companies with meaningful ROA (%) only.
SBTB' s 10-Year ROA (%) Range
Min: -0.29   Max: 0.98
Current: 0.26

-0.29
0.98
ROC (Joel Greenblatt) (%) 78.84
SBTB's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. SBTB: 78.84 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SBTB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -136.59   Max: 822.73
Current: 78.84

-136.59
822.73
Revenue Growth (3Y)(%) 2.70
SBTB's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SBTB: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBTB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.5   Max: 16.5
Current: 2.7

-3.5
16.5
EBITDA Growth (3Y)(%) -8.90
SBTB's EBITDA Growth (3Y)(%) is ranked lower than
82% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SBTB: -8.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBTB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.7   Max: 34.5
Current: -8.9

-23.7
34.5
EPS Growth (3Y)(%) 7.80
SBTB's EPS Growth (3Y)(%) is ranked lower than
54% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. SBTB: 7.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBTB' s 10-Year EPS Growth (3Y)(%) Range
Min: -26.3   Max: 53.7
Current: 7.8

-26.3
53.7
» SBTB'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) 19.70
SBTB's P/E(ttm) is ranked lower than
77% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. SBTB: 19.70 )
Ranked among companies with meaningful P/E(ttm) only.
SBTB' s 10-Year P/E(ttm) Range
Min: 10.73   Max: 66.72
Current: 19.7

10.73
66.72
PE(NRI) 19.20
SBTB's PE(NRI) is ranked lower than
75% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. SBTB: 19.20 )
Ranked among companies with meaningful PE(NRI) only.
SBTB' s 10-Year PE(NRI) Range
Min: 10.72   Max: 61.49
Current: 19.2

10.72
61.49
P/B 0.90
SBTB's P/B is ranked higher than
68% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SBTB: 0.90 )
Ranked among companies with meaningful P/B only.
SBTB' s 10-Year P/B Range
Min: 0.65   Max: 2.24
Current: 0.9

0.65
2.24
P/S 1.40
SBTB's P/S is ranked higher than
86% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. SBTB: 1.40 )
Ranked among companies with meaningful P/S only.
SBTB' s 10-Year P/S Range
Min: 1.14   Max: 3.9
Current: 1.4

1.14
3.9
EV-to-EBIT 20.60
SBTB's EV-to-EBIT is ranked lower than
70% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. SBTB: 20.60 )
Ranked among companies with meaningful EV-to-EBIT only.
SBTB' s 10-Year EV-to-EBIT Range
Min: -49.7   Max: 181.7
Current: 20.6

-49.7
181.7
Shiller P/E 18.90
SBTB's Shiller P/E is ranked lower than
59% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. SBTB: 18.90 )
Ranked among companies with meaningful Shiller P/E only.
SBTB' s 10-Year Shiller P/E Range
Min: 9.59   Max: 43.75
Current: 18.9

9.59
43.75
Days Sales Outstanding 26.41
SBTB's Days Sales Outstanding is ranked higher than
66% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. SBTB: 26.41 )
Ranked among companies with meaningful Days Sales Outstanding only.
SBTB' s 10-Year Days Sales Outstanding Range
Min: 25.51   Max: 48.39
Current: 26.41

25.51
48.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.60
SBTB's Dividend Yield is ranked lower than
51% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. SBTB: 2.60 )
Ranked among companies with meaningful Dividend Yield only.
SBTB' s 10-Year Dividend Yield Range
Min: 0.75   Max: 3.76
Current: 2.6

0.75
3.76
Dividend Payout 0.51
SBTB's Dividend Payout is ranked lower than
76% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SBTB: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
SBTB' s 10-Year Dividend Payout Range
Min: 0.25   Max: 4
Current: 0.51

0.25
4
Dividend growth (3y) 5.30
SBTB's Dividend growth (3y) is ranked lower than
55% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SBTB: 5.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
SBTB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 5.3
Current: 5.3

0
5.3
Yield on cost (5-Year) 3.45
SBTB's Yield on cost (5-Year) is ranked higher than
57% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. SBTB: 3.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBTB' s 10-Year Yield on cost (5-Year) Range
Min: 0.99   Max: 4.98
Current: 3.45

0.99
4.98
Share Buyback Rate -0.60
SBTB's Share Buyback Rate is ranked higher than
59% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. SBTB: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
SBTB' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -2.2
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
SBTB's Price/Tangible Book is ranked higher than
75% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SBTB: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
SBTB' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 2.38
Current: 0.9

0.66
2.38
Price/DCF (Projected) 0.60
SBTB's Price/DCF (Projected) is ranked higher than
60% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. SBTB: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
SBTB' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.83
Current: 0.6

0.4
0.83
Price/Median PS Value 0.90
SBTB's Price/Median PS Value is ranked higher than
81% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SBTB: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
SBTB' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 2.6
Current: 0.9

0.75
2.6
Price/Graham Number 0.70
SBTB's Price/Graham Number is ranked higher than
73% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SBTB: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
SBTB' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 1.78
Current: 0.7

0.55
1.78
Earnings Yield (Greenblatt) 4.90
SBTB's Earnings Yield (Greenblatt) is ranked lower than
64% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SBTB: 4.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
SBTB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 995.7
Current: 4.9

0.6
995.7
Forward Rate of Return (Yacktman) -0.70
SBTB's Forward Rate of Return (Yacktman) is ranked lower than
78% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. SBTB: -0.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
SBTB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.7   Max: 15.8
Current: -0.7

-20.7
15.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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. The banking and financial services business in Connecticut generally, and in the Bank's market areas specifically, is highly competitive. Banks and bank holding companies are regulated under both federal and state law.
» More Articles for SBTB

Headlines

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

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SBT BANCORP, INC. Financials May 22 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 21 2015
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10-Q for SBT Bancorp, Inc. (Connecticut) May 18 2015
SBT BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 15 2015
SBT BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 13 2015
10-K for SBT Bancorp, Inc. (Connecticut) Apr 30 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 29 2015
SBT Bancorp, Inc. Reports First Quarter 2015 Results Apr 28 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 24 2015
Simsbury Bank Elects Peter Pabich to Its Board Apr 23 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 20 2015
SBT Bancorp Announces Quarterly Dividend Feb 20 2015
SBT BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 02 2015
SBT Bancorp, Inc. Reports Fourth Quarter 2014 Results Jan 30 2015
SBT BANCORP, INC. Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a Continued Listing... Jan 07 2015
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OTC Markets Group Welcomes SBT Bancorp to OTCQX® Jan 07 2015
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SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 21 2014

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