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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 0.36
SBTB's Cash-to-Debt is ranked lower than
80% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. SBTB: 0.36 )
Ranked among companies with meaningful Cash-to-Debt only.
SBTB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.36  Med: 5009.41 Max: No Debt
Current: 0.36
Equity-to-Asset 0.06
SBTB's Equity-to-Asset is ranked lower than
86% of the 1614 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 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. SBTB: 1.11 )
Ranked among companies with meaningful Interest Coverage only.
SBTB' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 0.92 Max: 2.64
Current: 1.11
0.34
2.64
Piotroski F-Score: 2
Beneish M-Score: -2.39
WACC vs ROIC
3.91%
2.62%
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 : 4/10

vs
industry
vs
history
Operating Margin % 10.56
SBTB's Operating Margin % is ranked lower than
86% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. SBTB: 10.56 )
Ranked among companies with meaningful Operating Margin % only.
SBTB' s Operating Margin % Range Over the Past 10 Years
Min: -17.96  Med: 10.55 Max: 18.87
Current: 10.56
-17.96
18.87
Net Margin % 8.91
SBTB's Net Margin % is ranked lower than
84% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. SBTB: 8.91 )
Ranked among companies with meaningful Net Margin % only.
SBTB' s Net Margin % Range Over the Past 10 Years
Min: -8.2  Med: 8.45 Max: 14.02
Current: 8.91
-8.2
14.02
ROE % 4.90
SBTB's ROE % is ranked lower than
75% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. SBTB: 4.90 )
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: 4.9
-3.78
6.82
ROA % 0.31
SBTB's ROA % is ranked lower than
81% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SBTB: 0.31 )
Ranked among companies with meaningful ROA % only.
SBTB' s ROA % Range Over the Past 10 Years
Min: -0.29  Med: 0.3 Max: 0.54
Current: 0.31
-0.29
0.54
3-Year Revenue Growth Rate -8.70
SBTB's 3-Year Revenue Growth Rate is ranked lower than
88% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SBTB: -8.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SBTB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.7  Med: 5.3 Max: 16.5
Current: -8.7
-8.7
16.5
3-Year EBITDA Growth Rate -9.10
SBTB's 3-Year EBITDA Growth Rate is ranked lower than
84% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. SBTB: -9.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SBTB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -23.7  Med: -4.8 Max: 34.5
Current: -9.1
-23.7
34.5
3-Year EPS without NRI Growth Rate -2.00
SBTB's 3-Year EPS without NRI Growth Rate is ranked lower than
74% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SBTB: -2.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SBTB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -26.3  Med: -2 Max: 53.7
Current: -2
-26.3
53.7
GuruFocus has detected 6 Warning Signs with SBT Bancorp Inc $SBTB.
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» SBTB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating 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
PE Ratio 22.80
SBTB's PE Ratio is ranked lower than
80% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SBTB: 22.80 )
Ranked among companies with meaningful PE Ratio only.
SBTB' s PE Ratio Range Over the Past 10 Years
Min: 10.72  Med: 20.19 Max: 66.91
Current: 22.8
10.72
66.91
PE Ratio without NRI 22.80
SBTB's PE Ratio without NRI is ranked lower than
80% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. SBTB: 22.80 )
Ranked among companies with meaningful PE Ratio without NRI only.
SBTB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.72  Med: 20.19 Max: 66.91
Current: 22.8
10.72
66.91
Price-to-Owner-Earnings 42.24
SBTB's Price-to-Owner-Earnings is ranked lower than
91% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. SBTB: 42.24 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SBTB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.69  Med: 21.37 Max: 285.43
Current: 42.24
8.69
285.43
PB Ratio 1.14
SBTB's PB Ratio is ranked higher than
53% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SBTB: 1.14 )
Ranked among companies with meaningful PB Ratio only.
SBTB' s PB Ratio Range Over the Past 10 Years
Min: 0.65  Med: 0.98 Max: 1.84
Current: 1.14
0.65
1.84
PS Ratio 2.04
SBTB's PS Ratio is ranked higher than
75% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. SBTB: 2.04 )
Ranked among companies with meaningful PS Ratio only.
SBTB' s PS Ratio Range Over the Past 10 Years
Min: 1.14  Med: 1.44 Max: 3.33
Current: 2.04
1.14
3.33
EV-to-EBIT 41.63
SBTB's EV-to-EBIT is ranked lower than
91% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SBTB: 41.63 )
Ranked among companies with meaningful EV-to-EBIT only.
SBTB' s EV-to-EBIT Range Over the Past 10 Years
Min: -49.7  Med: 9.8 Max: 181.7
Current: 41.63
-49.7
181.7
EV-to-EBITDA 35.88
SBTB's EV-to-EBITDA is ranked lower than
90% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. SBTB: 35.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
SBTB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -42.8  Med: 8.2 Max: 100.2
Current: 35.88
-42.8
100.2
Shiller PE Ratio 25.17
SBTB's Shiller PE Ratio is ranked lower than
59% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. SBTB: 25.17 )
Ranked among companies with meaningful Shiller PE Ratio only.
SBTB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.04  Med: 20 Max: 25.25
Current: 25.17
12.04
25.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.22
SBTB's Dividend Yield % is ranked lower than
59% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SBTB: 2.22 )
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: 2.22
0.75
3.76
Dividend Payout Ratio 0.60
SBTB's Dividend Payout Ratio is ranked lower than
84% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SBTB: 0.60 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SBTB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.48 Max: 0.76
Current: 0.6
0.11
0.76
Forward Dividend Yield % 2.23
SBTB's Forward Dividend Yield % is ranked lower than
63% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SBTB: 2.23 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.56
SBTB's 5-Year Yield-on-Cost % is ranked higher than
53% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. SBTB: 3.56 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SBTB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.2  Med: 3.88 Max: 6.03
Current: 3.56
1.2
6.03
3-Year Average Share Buyback Ratio -14.80
SBTB's 3-Year Average Share Buyback Ratio is ranked lower than
83% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. SBTB: -14.80 )
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: -1.1 Max: 0
Current: -14.8
-15.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.14
SBTB's Price-to-Tangible-Book is ranked higher than
57% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SBTB: 1.14 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SBTB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.77  Med: 1.11 Max: 2.41
Current: 1.14
0.77
2.41
Price-to-Intrinsic-Value-Projected-FCF 1.64
SBTB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
87% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SBTB: 1.64 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SBTB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.67 Max: 1.64
Current: 1.64
0.47
1.64
Price-to-Median-PS-Value 1.42
SBTB's Price-to-Median-PS-Value is ranked lower than
72% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SBTB: 1.42 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SBTB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.81  Med: 1.23 Max: 2.82
Current: 1.42
0.81
2.82
Price-to-Graham-Number 1.07
SBTB's Price-to-Graham-Number is ranked lower than
59% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SBTB: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SBTB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.74  Med: 1 Max: 1.59
Current: 1.07
0.74
1.59
Earnings Yield (Greenblatt) % 2.39
SBTB's Earnings Yield (Greenblatt) % is ranked lower than
69% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SBTB: 2.39 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SBTB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 6.9 Max: 995.7
Current: 2.39
0.6
995.7
Forward Rate of Return (Yacktman) % -11.76
SBTB's Forward Rate of Return (Yacktman) % is ranked lower than
91% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. SBTB: -11.76 )
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: -22.2  Med: 2.5 Max: 10.6
Current: -11.76
-22.2
10.6

More Statistics

Revenue (TTM) (Mil) $16.75
EPS (TTM) $ 1.11
Beta0.43
Short Percentage of Float0.00%
52-Week Range $19.05 - 25.90
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. (Connecticut) :SBTB-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1,... Feb 01 2017
SBT Bancorp, Inc. (Connecticut) :SBTB-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
SBT BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2017
SBT Bancorp, Inc. Reports Fourth Quarter and Year End 2016 Results Jan 26 2017
SBT Bancorp, Inc. (Connecticut) : SBTB-US: Dividend Analysis : December 02nd, 2016 (record date) :... Jan 26 2017
SBT BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Jan 18 2017
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

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