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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.40
SBTB's Cash to Debt is ranked lower than
71% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SBTB: 0.40 )
Ranked among companies with meaningful Cash to Debt only.
SBTB' s 10-Year Cash to Debt Range
Min: 0.4  Med: 10000.00 Max: No Debt
Current: 0.4
Equity to Asset 0.07
SBTB's Equity to Asset is ranked lower than
78% of the 1355 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  Med: 0.07 Max: 0.08
Current: 0.07
0.07
0.08
Interest Coverage 0.92
SBTB's Interest Coverage is ranked lower than
65% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SBTB: 0.92 )
Ranked among companies with meaningful Interest Coverage only.
SBTB' s 10-Year Interest Coverage Range
Min: 0.28  Med: 0.87 Max: 2.64
Current: 0.92
0.28
2.64
F-Score: 4
WACC vs ROIC
2.96%
4.35%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 10.78
SBTB's Operating margin (%) is ranked lower than
85% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SBTB: 10.78 )
Ranked among companies with meaningful Operating margin (%) only.
SBTB' s 10-Year Operating margin (%) Range
Min: -17.96  Med: 13.23 Max: 34.52
Current: 10.78
-17.96
34.52
Net-margin (%) 9.19
SBTB's Net-margin (%) is ranked lower than
84% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SBTB: 9.19 )
Ranked among companies with meaningful Net-margin (%) only.
SBTB' s 10-Year Net-margin (%) Range
Min: -8.2  Med: 10.80 Max: 22.69
Current: 9.19
-8.2
22.69
ROE (%) 4.07
SBTB's ROE (%) is ranked lower than
79% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SBTB: 4.07 )
Ranked among companies with meaningful ROE (%) only.
SBTB' s 10-Year ROE (%) Range
Min: -3.78  Med: 4.55 Max: 14.72
Current: 4.07
-3.78
14.72
ROA (%) 0.32
SBTB's ROA (%) is ranked lower than
82% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SBTB: 0.32 )
Ranked among companies with meaningful ROA (%) only.
SBTB' s 10-Year ROA (%) Range
Min: -0.29  Med: 0.40 Max: 0.98
Current: 0.32
-0.29
0.98
Revenue Growth (3Y)(%) 2.70
SBTB's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SBTB: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBTB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.5  Med: 5.80 Max: 16.5
Current: 2.7
-3.5
16.5
EBITDA Growth (3Y)(%) -8.90
SBTB's EBITDA Growth (3Y)(%) is ranked lower than
84% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SBTB: -8.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBTB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.7  Med: -4.00 Max: 34.5
Current: -8.9
-23.7
34.5
EPS Growth (3Y)(%) 7.80
SBTB's EPS Growth (3Y)(%) is ranked lower than
56% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. SBTB: 7.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBTB' s 10-Year EPS Growth (3Y)(%) Range
Min: -26.3  Med: 0.30 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) 15.79
SBTB's P/E(ttm) is ranked lower than
66% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SBTB: 15.79 )
Ranked among companies with meaningful P/E(ttm) only.
SBTB' s 10-Year P/E(ttm) Range
Min: 10.73  Med: 19.61 Max: 66.72
Current: 15.79
10.73
66.72
PE(NRI) 16.00
SBTB's PE(NRI) is ranked lower than
66% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SBTB: 16.00 )
Ranked among companies with meaningful PE(NRI) only.
SBTB' s 10-Year PE(NRI) Range
Min: 10.72  Med: 19.54 Max: 66.91
Current: 16
10.72
66.91
P/B 0.94
SBTB's P/B is ranked higher than
60% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SBTB: 0.94 )
Ranked among companies with meaningful P/B only.
SBTB' s 10-Year P/B Range
Min: 0.65  Med: 1.08 Max: 2.24
Current: 0.94
0.65
2.24
P/S 1.34
SBTB's P/S is ranked higher than
85% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SBTB: 1.34 )
Ranked among companies with meaningful P/S only.
SBTB' s 10-Year P/S Range
Min: 1.14  Med: 1.53 Max: 3.9
Current: 1.34
1.14
3.9
PFCF 3.14
SBTB's PFCF is ranked higher than
78% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SBTB: 3.14 )
Ranked among companies with meaningful PFCF only.
SBTB' s 10-Year PFCF Range
Min: 3.14  Med: 13.08 Max: 420
Current: 3.14
3.14
420
POCF 3.05
SBTB's POCF is ranked higher than
76% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. SBTB: 3.05 )
Ranked among companies with meaningful POCF only.
SBTB' s 10-Year POCF Range
Min: 3.05  Med: 13.24 Max: 116.67
Current: 3.05
3.05
116.67
EV-to-EBIT 38.64
SBTB's EV-to-EBIT is ranked lower than
88% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SBTB: 38.64 )
Ranked among companies with meaningful EV-to-EBIT only.
SBTB' s 10-Year EV-to-EBIT Range
Min: -49.6  Med: 7.65 Max: 181.7
Current: 38.64
-49.6
181.7
Shiller P/E 18.17
SBTB's Shiller P/E is ranked lower than
61% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. SBTB: 18.17 )
Ranked among companies with meaningful Shiller P/E only.
SBTB' s 10-Year Shiller P/E Range
Min: 9.51  Med: 21.15 Max: 43.75
Current: 18.17
9.51
43.75
Days Sales Outstanding 27.98
SBTB's Days Sales Outstanding is ranked higher than
61% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. SBTB: 27.98 )
Ranked among companies with meaningful Days Sales Outstanding only.
SBTB' s 10-Year Days Sales Outstanding Range
Min: 25.51  Med: 33.44 Max: 48.39
Current: 27.98
25.51
48.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.62
SBTB's Dividend Yield is ranked lower than
54% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SBTB: 2.62 )
Ranked among companies with meaningful Dividend Yield only.
SBTB' s 10-Year Dividend Yield Range
Min: 0.75  Med: 2.29 Max: 3.76
Current: 2.62
0.75
3.76
Dividend Payout 0.42
SBTB's Dividend Payout is ranked lower than
64% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SBTB: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
SBTB' s 10-Year Dividend Payout Range
Min: 0.25  Med: 0.62 Max: 4
Current: 0.42
0.25
4
Dividend growth (3y) 5.30
SBTB's Dividend growth (3y) is ranked lower than
57% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SBTB: 5.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
SBTB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -12.60 Max: 5.3
Current: 5.3
0
5.3
Yield on cost (5-Year) 3.47
SBTB's Yield on cost (5-Year) is ranked higher than
53% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SBTB: 3.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBTB' s 10-Year Yield on cost (5-Year) Range
Min: 0.99  Med: 3.04 Max: 4.98
Current: 3.47
0.99
4.98
Share Buyback Rate -0.60
SBTB's Share Buyback Rate is ranked higher than
64% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SBTB: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
SBTB' s 10-Year Share Buyback Rate Range
Min: -0.2  Med: -0.40 Max: -2.2
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
SBTB's Price/Tangible Book is ranked higher than
63% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SBTB: 0.94 )
Ranked among companies with meaningful Price/Tangible Book only.
SBTB' s 10-Year Price/Tangible Book Range
Min: 0.66  Med: 1.20 Max: 2.38
Current: 0.94
0.66
2.38
Price/Projected FCF 0.77
SBTB's Price/Projected FCF is ranked lower than
64% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SBTB: 0.77 )
Ranked among companies with meaningful Price/Projected FCF only.
SBTB' s 10-Year Price/Projected FCF Range
Min: 0.47  Med: 0.69 Max: 1.54
Current: 0.77
0.47
1.54
Price/Median PS Value 0.87
SBTB's Price/Median PS Value is ranked higher than
75% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SBTB: 0.87 )
Ranked among companies with meaningful Price/Median PS Value only.
SBTB' s 10-Year Price/Median PS Value Range
Min: 0.77  Med: 1.16 Max: 2.66
Current: 0.87
0.77
2.66
Price/Graham Number 0.66
SBTB's Price/Graham Number is ranked higher than
67% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SBTB: 0.66 )
Ranked among companies with meaningful Price/Graham Number only.
SBTB' s 10-Year Price/Graham Number Range
Min: 0.55  Med: 0.91 Max: 1.78
Current: 0.66
0.55
1.78
Earnings Yield (Greenblatt) (%) 2.61
SBTB's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SBTB: 2.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SBTB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 10.45 Max: 995.7
Current: 2.61
0.6
995.7
Forward Rate of Return (Yacktman) (%) -4.83
SBTB's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. SBTB: -4.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SBTB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -24.8  Med: 2.90 Max: 10.6
Current: -4.83
-24.8
10.6

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.
» 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. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 24 2015
SBT Bancorp, Inc. Announces Capital Plans Aug 24 2015
SBT BANCORP, INC. Financials Aug 22 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 21 2015
SBT Bancorp Announces Quarterly Dividend Aug 20 2015
SBT BANCORP, INC. Files SEC form 8-K, Changes in Registrant's Certifying Accountant, Financial... Aug 18 2015
10-Q for SBT Bancorp, Inc. (Connecticut) Aug 13 2015
SBT BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 11 2015
SBT BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 29 2015
SBT Bancorp, Inc. Reports Second Quarter 2015 Results Jul 28 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 14 2015
Simsbury Bank Announces West Hartford Branch Plans Jul 14 2015
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 21 2015
SBT Bancorp Announces Quarterly Dividend May 21 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
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

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