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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 No Debt
SBTB's Cash to Debt is ranked higher than
98% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SBTB: No Debt )
SBTB' s 10-Year Cash to Debt Range
Min: 0.62   Max: No Debt
Current: No Debt

Equity to Asset 0.07
SBTB's Equity to Asset is ranked higher than
55% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SBTB: 0.07 )
SBTB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.08
Current: 0.07

0.07
0.08
Interest Coverage 1.38
SBTB's Interest Coverage is ranked higher than
69% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SBTB: 1.38 )
SBTB' s 10-Year Interest Coverage Range
Min: 0.28   Max: 2.64
Current: 1.38

0.28
2.64
F-Score: 2
Z-Score: 0.11
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 (%) 3.08
SBTB's Operating margin (%) is ranked higher than
51% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. SBTB: 3.08 )
SBTB' s 10-Year Operating margin (%) Range
Min: -17.96   Max: 34.52
Current: 3.08

-17.96
34.52
Net-margin (%) 4.21
SBTB's Net-margin (%) is ranked higher than
51% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. SBTB: 4.21 )
SBTB' s 10-Year Net-margin (%) Range
Min: -8.2   Max: 22.69
Current: 4.21

-8.2
22.69
ROE (%) 2.07
SBTB's ROE (%) is ranked higher than
52% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. SBTB: 2.07 )
SBTB' s 10-Year ROE (%) Range
Min: -3.78   Max: 14.72
Current: 2.07

-3.78
14.72
ROA (%) 0.14
SBTB's ROA (%) is ranked higher than
52% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SBTB: 0.14 )
SBTB' s 10-Year ROA (%) Range
Min: -0.29   Max: 0.98
Current: 0.14

-0.29
0.98
ROC (Joel Greenblatt) (%) 27.11
SBTB's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. SBTB: 27.11 )
SBTB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -136.59   Max: 822.73
Current: 27.11

-136.59
822.73
Revenue Growth (%) 5.30
SBTB's Revenue Growth (%) is ranked higher than
86% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SBTB: 5.30 )
SBTB' s 10-Year Revenue Growth (%) Range
Min: -3.2   Max: 16.5
Current: 5.3

-3.2
16.5
EBITDA Growth (%) -4.90
SBTB's EBITDA Growth (%) is ranked higher than
61% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SBTB: -4.90 )
SBTB' s 10-Year EBITDA Growth (%) Range
Min: -23.7   Max: 34.5
Current: -4.9

-23.7
34.5
EPS Growth (%) 4.30
SBTB's EPS Growth (%) is ranked higher than
70% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SBTB: 4.30 )
SBTB' s 10-Year EPS Growth (%) Range
Min: -26.3   Max: 53.7
Current: 4.3

-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) 41.60
SBTB's P/E(ttm) is ranked higher than
65% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. SBTB: 41.60 )
SBTB' s 10-Year P/E(ttm) Range
Min: 10.73   Max: 66.72
Current: 41.6

10.73
66.72
P/B 1.00
SBTB's P/B is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SBTB: 1.00 )
SBTB' s 10-Year P/B Range
Min: 0.65   Max: 2.42
Current: 1

0.65
2.42
P/S 1.40
SBTB's P/S is ranked higher than
94% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. SBTB: 1.40 )
SBTB' s 10-Year P/S Range
Min: 1.14   Max: 4.14
Current: 1.4

1.14
4.14
EV-to-EBIT 15.66
SBTB's EV-to-EBIT is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. SBTB: 15.66 )
SBTB' s 10-Year EV-to-EBIT Range
Min: -49.7   Max: 181.7
Current: 15.66

-49.7
181.7
PEG 3.95
SBTB's PEG is ranked higher than
84% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SBTB: 3.95 )
SBTB' s 10-Year PEG Range
Min: 5.2   Max: 5.38
Current: 3.95

5.2
5.38
Shiller P/E 20.10
SBTB's Shiller P/E is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SBTB: 20.10 )
SBTB' s 10-Year Shiller P/E Range
Min: 9.59   Max: 43.75
Current: 20.1

9.59
43.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
SBTB's Dividend Yield is ranked higher than
56% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. SBTB: 2.50 )
SBTB' s 10-Year Dividend Yield Range
Min: 0.75   Max: 3.76
Current: 2.5

0.75
3.76
Dividend Payout 1.03
SBTB's Dividend Payout is ranked higher than
59% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SBTB: 1.03 )
SBTB' s 10-Year Dividend Payout Range
Min: 0.25   Max: 4
Current: 1.03

0.25
4
Dividend growth (3y) 5.30
SBTB's Dividend growth (3y) is ranked higher than
77% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. SBTB: 5.30 )
SBTB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 5.3
Current: 5.3

0
5.3
Yield on cost (5-Year) 2.75
SBTB's Yield on cost (5-Year) is ranked higher than
55% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. SBTB: 2.75 )
SBTB' s 10-Year Yield on cost (5-Year) Range
Min: 0.82   Max: 3.2
Current: 2.75

0.82
3.2
Share Buyback Rate -0.50
SBTB's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SBTB: -0.50 )
SBTB' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -2.2
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
SBTB's Price/Tangible Book is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SBTB: 1.03 )
SBTB' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 2.38
Current: 1.03

0.66
2.38
Price/DCF (Projected) 0.73
SBTB's Price/DCF (Projected) is ranked higher than
83% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. SBTB: 0.73 )
SBTB' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.84
Current: 0.73

0.4
0.84
Price/Median PS Value 0.86
SBTB's Price/Median PS Value is ranked higher than
93% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SBTB: 0.86 )
SBTB' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 2.42
Current: 0.86

0.7
2.42
Price/Graham Number 1.05
SBTB's Price/Graham Number is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SBTB: 1.05 )
SBTB' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 1.78
Current: 1.05

0.55
1.78
Earnings Yield (Greenblatt) 6.40
SBTB's Earnings Yield (Greenblatt) is ranked higher than
73% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SBTB: 6.40 )
SBTB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 995.7
Current: 6.4

0.6
995.7
Forward Rate of Return (Yacktman) 0.59
SBTB's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. SBTB: 0.59 )
SBTB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.3   Max: 14.1
Current: 0.59

-20.3
14.1

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. Reports Second Quarter 2014 Results Jul 31 2014
SBT BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 23 2014
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SBT BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 15 2014
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