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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

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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

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» SFBI's 10-Y Financials

Financials


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

» Details

Guru Trades

SFBI Guru Trades in

2012

SFBI Guru Trades in 2012

Martin Whitman 203,928 sh (-16.01%)
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2012

SFBI Guru Trades in 2012

Martin Whitman 147,903 sh (-27.47%)
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2012

SFBI Guru Trades in 2012

Martin Whitman Sold Out
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» Details

Insider Trades

Latest Guru Trades with SFBI

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Martin Whitman 2012-10-31 Sold Out 0.01%$0.91 - $2 $ 0.34-76%0
Premium More recent guru trades are included for Premium Members only!!
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Ratios

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Valuation & Return

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Business Description

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SFSB, Inc. is a federal corporation formed on December 30, 2004 for the purpose of acquiring all of the common stock of Slavie Federal Savings Bank concurrent with its mutual holding company reorganization. Pursuant to the reorganization, Slavie Federal Savings Bank converted from a mutual savings bank to a capital stock savings bank, with the concurrent formation of SFSB, Inc. as the stock, mid-tier holding company of Slavie Federal Savings Bank and the formation of Slavie Bancorp, MHC as a mutual holding company. Its main business consists of attracting deposits from the general public in its market area and investing those funds, together with funds generated from operations and borrowings, in one - to four-family residential mortgage loans and commercial real estate loans. It also invest in land and construction loans, home equity loans, non-real estate commercial loans and investment securities. Currently, its main market area is Baltimore City, Baltimore County and Harford County, Maryland. Its most direct competition for deposits has come historically from commercial banks, credit unions and other savings institutions located in its market area, including many large financial institutions. Slavie Federal Savings Bank is examined and supervised by the Office of Thrift Supervision and the Federal Deposit Insurance Corporation.
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Third Avenue Management Becomes 5% Owner of Slavie Federal Savings Bank Oct 26 2012 

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