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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.77
SGB's Cash-to-Debt is ranked lower than
66% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. SGB: 0.77 )
Ranked among companies with meaningful Cash-to-Debt only.
SGB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28  Med: 0.81 Max: 2.61
Current: 0.77
0.28
2.61
Equity-to-Asset 0.09
SGB's Equity-to-Asset is ranked lower than
59% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SGB: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
SGB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.14
Current: 0.09
0.08
0.14
Interest Coverage 3.22
SGB's Interest Coverage is ranked higher than
69% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. SGB: 3.22 )
Ranked among companies with meaningful Interest Coverage only.
SGB' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 0.84 Max: 3.22
Current: 3.22
0.29
3.22
Piotroski F-Score: 6
Beneish M-Score: -2.42
WACC vs ROIC
3.44%
8.20%
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 : 8/10

vs
industry
vs
history
Operating Margin % 25.60
SGB's Operating Margin % is ranked lower than
62% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. SGB: 25.60 )
Ranked among companies with meaningful Operating Margin % only.
SGB' s Operating Margin % Range Over the Past 10 Years
Min: -26.53  Med: 15.58 Max: 25.6
Current: 25.6
-26.53
25.6
Net Margin % 19.92
SGB's Net Margin % is ranked lower than
57% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. SGB: 19.92 )
Ranked among companies with meaningful Net Margin % only.
SGB' s Net Margin % Range Over the Past 10 Years
Min: -11.55  Med: 12.01 Max: 19.92
Current: 19.92
-11.55
19.92
ROE % 10.63
SGB's ROE % is ranked higher than
69% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. SGB: 10.63 )
Ranked among companies with meaningful ROE % only.
SGB' s ROE % Range Over the Past 10 Years
Min: -5.13  Med: 7.26 Max: 10.63
Current: 10.63
-5.13
10.63
ROA % 0.94
SGB's ROA % is ranked higher than
56% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SGB: 0.94 )
Ranked among companies with meaningful ROA % only.
SGB' s ROA % Range Over the Past 10 Years
Min: -0.47  Med: 0.64 Max: 1.03
Current: 0.94
-0.47
1.03
3-Year Revenue Growth Rate 1.90
SGB's 3-Year Revenue Growth Rate is ranked lower than
60% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. SGB: 1.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SGB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.6  Med: 4.6 Max: 13.3
Current: 1.9
-7.6
13.3
3-Year EBITDA Growth Rate 14.70
SGB's 3-Year EBITDA Growth Rate is ranked higher than
73% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. SGB: 14.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SGB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.2  Med: 2.9 Max: 17.8
Current: 14.7
-13.2
17.8
3-Year EPS without NRI Growth Rate 20.20
SGB's 3-Year EPS without NRI Growth Rate is ranked higher than
79% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SGB: 20.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SGB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17.6  Med: 2.85 Max: 26
Current: 20.2
-17.6
26
GuruFocus has detected 3 Warning Signs with Southwest Georgia Financial Corp $SGB.
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» SGB's 10-Y Financials

Financials (Next Earnings Date: 2017-04-24 Est.)


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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Southwest Georgia Financial Corp operates as the holding company for Southwest Georgia Bank. It provides financial products and services such as checking accounts, consumer loans, commercial loans, & among others.

Southwest Georgia Financial Corporation is a Georgia bank holding company organized in 1980. The Corporation through its subsidiaries is engaged in providing banking services to individuals and businesses in Colquitt County, Baker County, Thomas County, Worth County, and the surrounding counties of southwest Georgia. The Company's operating business segments are Retail and Commercial Banking Services, Insurance Services, Wealth Strategies Services, and Financial Management Services. The Retail and Commercial Banking Services segment serves consumer and commercial customers by offering a variety of loan and deposit products, and other traditional banking services. The Insurance Services segment offers clients a full spectrum of commercial and personal lines insurance products including life, health, property, and casualty insurance. The Wealth Strategies Services segment provides personal trust administration, estate settlement, investment management, employee retirement benefit services, and the Individual Retirement Account (IRA) administration. Also, this segment offers full-service retail brokerage which includes the sale of retail investment products including stocks, bonds, mutual funds, and annuities. The Financial Management Services segment is responsible for the management of the investment securities portfolio. It also is responsible for managing financial risks, including liquidity and interest rate risk. The Company and its subsidiaries competes with other depository institutions and other financial service organizations, including brokers, finance companies, savings and loan associations, credit unions and certain governmental agencies. It is a registered bank holding company subject to regulation by the Board of Governors of Federal Reserve under the Bank Holding Corporation Act of 1956, as amended (the Act).

Top Ranked Articles about Southwest Georgia Financial Corp

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Ratios

vs
industry
vs
history
PE Ratio 14.03
SGB's PE Ratio is ranked higher than
52% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. SGB: 14.03 )
Ranked among companies with meaningful PE Ratio only.
SGB' s PE Ratio Range Over the Past 10 Years
Min: 8.43  Med: 13.54 Max: 32.68
Current: 14.03
8.43
32.68
PE Ratio without NRI 14.03
SGB's PE Ratio without NRI is ranked higher than
53% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. SGB: 14.03 )
Ranked among companies with meaningful PE Ratio without NRI only.
SGB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.43  Med: 13.54 Max: 32.68
Current: 14.03
8.43
32.68
Price-to-Owner-Earnings 14.72
SGB's Price-to-Owner-Earnings is ranked higher than
51% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. SGB: 14.72 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SGB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.6  Med: 13.44 Max: 1075
Current: 14.72
6.6
1075
PB Ratio 1.44
SGB's PB Ratio is ranked lower than
65% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SGB: 1.44 )
Ranked among companies with meaningful PB Ratio only.
SGB' s PB Ratio Range Over the Past 10 Years
Min: 0.65  Med: 1.02 Max: 3.09
Current: 1.44
0.65
3.09
PS Ratio 2.87
SGB's PS Ratio is ranked higher than
61% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. SGB: 2.87 )
Ranked among companies with meaningful PS Ratio only.
SGB' s PS Ratio Range Over the Past 10 Years
Min: 1.16  Med: 1.98 Max: 4.43
Current: 2.87
1.16
4.43
Price-to-Free-Cash-Flow 15.09
SGB's Price-to-Free-Cash-Flow is ranked lower than
58% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. SGB: 15.09 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SGB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.56  Med: 13.91 Max: 111.11
Current: 15.09
4.56
111.11
Price-to-Operating-Cash-Flow 11.08
SGB's Price-to-Operating-Cash-Flow is ranked higher than
52% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. SGB: 11.08 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SGB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.64  Med: 8.3 Max: 47.4
Current: 11.08
3.64
47.4
EV-to-EBIT 11.32
SGB's EV-to-EBIT is ranked higher than
55% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. SGB: 11.32 )
Ranked among companies with meaningful EV-to-EBIT only.
SGB' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.8  Med: 11.8 Max: 33.9
Current: 11.32
-16.8
33.9
EV-to-EBITDA 10.00
SGB's EV-to-EBITDA is ranked higher than
57% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. SGB: 10.00 )
Ranked among companies with meaningful EV-to-EBITDA only.
SGB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.3  Med: 9.1 Max: 18.4
Current: 10
-25.3
18.4
PEG Ratio 1.28
SGB's PEG Ratio is ranked higher than
54% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. SGB: 1.28 )
Ranked among companies with meaningful PEG Ratio only.
SGB' s PEG Ratio Range Over the Past 10 Years
Min: 0.57  Med: 1.69 Max: 80.23
Current: 1.28
0.57
80.23
Shiller PE Ratio 26.66
SGB's Shiller PE Ratio is ranked lower than
65% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. SGB: 26.66 )
Ranked among companies with meaningful Shiller PE Ratio only.
SGB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.25  Med: 13.9 Max: 28.86
Current: 26.66
6.25
28.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.94
SGB's Dividend Yield % is ranked lower than
67% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. SGB: 1.94 )
Ranked among companies with meaningful Dividend Yield % only.
SGB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.37  Med: 2.3 Max: 6.14
Current: 1.94
0.37
6.14
Dividend Payout Ratio 0.27
SGB's Dividend Payout Ratio is ranked higher than
62% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SGB: 0.27 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SGB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.25 Max: 0.85
Current: 0.27
0.14
0.85
3-Year Dividend Growth Rate 35.70
SGB's 3-Year Dividend Growth Rate is ranked higher than
89% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SGB: 35.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SGB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.45 Max: 47.4
Current: 35.7
0
47.4
Forward Dividend Yield % 1.99
SGB's Forward Dividend Yield % is ranked lower than
70% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. SGB: 1.99 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 8.86
SGB's 5-Year Yield-on-Cost % is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SGB: 8.86 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SGB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.69  Med: 10.51 Max: 28.05
Current: 8.86
1.69
28.05

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.44
SGB's Price-to-Tangible-Book is ranked lower than
59% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. SGB: 1.44 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SGB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.71  Med: 1.43 Max: 3.35
Current: 1.44
0.71
3.35
Price-to-Intrinsic-Value-Projected-FCF 0.82
SGB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
50% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SGB: 0.82 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SGB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.74 Max: 1.08
Current: 0.82
0.41
1.08
Price-to-Median-PS-Value 1.44
SGB's Price-to-Median-PS-Value is ranked lower than
72% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SGB: 1.44 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SGB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.33 Max: 2.5
Current: 1.44
0.63
2.5
Price-to-Peter-Lynch-Fair-Value 0.83
SGB's Price-to-Peter-Lynch-Fair-Value is ranked higher than
70% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SGB: 0.83 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SGB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.58  Med: 1.87 Max: 4.07
Current: 0.83
0.58
4.07
Price-to-Graham-Number 0.94
SGB's Price-to-Graham-Number is ranked higher than
50% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SGB: 0.94 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SGB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.61  Med: 0.89 Max: 1.9
Current: 0.94
0.61
1.9
Earnings Yield (Greenblatt) % 8.84
SGB's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. SGB: 8.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SGB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 8.1 Max: 237
Current: 8.84
3
237
Forward Rate of Return (Yacktman) % 22.55
SGB's Forward Rate of Return (Yacktman) % is ranked higher than
76% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. SGB: 22.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SGB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.3  Med: 9.1 Max: 24.9
Current: 22.55
0.3
24.9

More Statistics

Revenue (TTM) (Mil) $20.26
EPS (TTM) $ 1.58
Beta0.13
Short Percentage of Float0.23%
52-Week Range $14.00 - 25.00
Shares Outstanding (Mil)2.55
» More Articles for SGB

Headlines

Articles On GuruFocus.com
8 Rising Stocks That Are Still Undervalued Feb 20 2017 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) Nov 15 2010 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) Aug 16 2010 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) May 14 2010 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) Nov 16 2009 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) Aug 14 2009 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 24 2017
Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend Feb 23 2017
Southwest Georgia Financial Corp. : SGB-US: Dividend Analysis : December 05th, 2016 (record date) :... Jan 27 2017
Southwest Georgia Financial Corp. :SGB-US: Earnings Analysis: 2016 By the Numbers : January 27, 2017 Jan 27 2017
Southwest Georgia Financial Corp.: Price momentum supported by strong fundamentals Jan 25 2017
Southwest Georgia Financial Corp. :SGB-US: Earnings Analysis: Q4, 2016 By the Numbers : January 25,... Jan 25 2017
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 24 2017
Edited Transcript of SGB earnings conference call or presentation 24-Jan-17 6:00pm GMT Jan 24 2017
Q4 2016 Southwest Georgia Financial Corp Earnings Release - Before Market Open Jan 24 2017
Southwest Georgia Financial Corporation Reports Net Income Grew 20% to Record Earnings per Share for... Jan 24 2017
Southwest Georgia Financial Corporation Announces Fourth Quarter and Full Year 2016 Conference Call... Jan 10 2017
SOUTHWEST GEORGIA FINANCIAL CORP Financials Nov 23 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 16 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 14 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 26 2016
Southwest Georgia Financial Corp. :SGB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26,... Oct 26 2016
SGB Announces $1.75 Million Share Repurchase Program Oct 26 2016
Edited Transcript of SGB earnings conference call or presentation 25-Oct-16 5:00pm GMT Oct 25 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 25 2016
SGB Reports 13% Increase in Net Income Oct 25 2016

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