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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 0.48
SGB's Cash to Debt is ranked lower than
72% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. SGB: 0.48 )
Ranked among companies with meaningful Cash to Debt only.
SGB' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 0.82 Max: N/A
Current: 0.48
Equity to Asset 0.09
SGB's Equity to Asset is ranked lower than
61% of the 1667 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: 0.11 Max: 0.14
Current: 0.09
0.08
0.14
Interest Coverage 3.31
SGB's Interest Coverage is ranked higher than
70% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. SGB: 3.31 )
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: 3.19
Current: 3.31
0.29
3.19
F-Score: 6
M-Score: -2.56
WACC vs ROIC
2.79%
8.34%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 24.03
SGB's Operating margin (%) is ranked lower than
68% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. SGB: 24.03 )
Ranked among companies with meaningful Operating margin (%) only.
SGB' s Operating margin (%) Range Over the Past 10 Years
Min: -26.53  Med: 15.73 Max: 22.87
Current: 24.03
-26.53
22.87
Net-margin (%) 19.06
SGB's Net-margin (%) is ranked lower than
62% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. SGB: 19.06 )
Ranked among companies with meaningful Net-margin (%) only.
SGB' s Net-margin (%) Range Over the Past 10 Years
Min: -11.55  Med: 12.13 Max: 18.36
Current: 19.06
-11.55
18.36
ROE (%) 9.98
SGB's ROE (%) is ranked higher than
62% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. SGB: 9.98 )
Ranked among companies with meaningful ROE (%) only.
SGB' s ROE (%) Range Over the Past 10 Years
Min: -5.13  Med: 7.26 Max: 9.58
Current: 9.98
-5.13
9.58
ROA (%) 0.90
SGB's ROA (%) is ranked higher than
52% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SGB: 0.90 )
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: 0.9
-0.47
1.03
Revenue Growth (3Y)(%) 1.90
SGB's Revenue Growth (3Y)(%) is ranked lower than
54% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. SGB: 1.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SGB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.6  Med: 4.70 Max: 13.3
Current: 1.9
-7.6
13.3
EBITDA Growth (3Y)(%) 14.70
SGB's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. SGB: 14.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SGB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.2  Med: 2.90 Max: 17.8
Current: 14.7
-13.2
17.8
EPS Growth (3Y)(%) 20.30
SGB's EPS Growth (3Y)(%) is ranked higher than
78% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SGB: 20.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SGB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.4  Med: 3.20 Max: 25.8
Current: 20.3
-17.4
25.8
» SGB's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-16)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:KTHN, OTCPK:FPBK, OTCPK:UNIB, OTCPK:SABK, NAS:SSFN, OTCPK:PBCA, OTCPK:RIVE, OTCPK:HBSI, OTCPK:SBKK, OTCBB:ALMG, OTCPK:AVLY, OTCPK:NWPP, OTCPK:CBCO, NAS:MELR, OTCBB:OTTW, OTCPK:CMOH, NAS:BVA, OTCPK:WDFN, OTCPK:SRYB, NAS:VBFC » details
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).

Ratios

vs
industry
vs
history
P/E(ttm) 10.72
SGB's P/E(ttm) is ranked higher than
60% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. SGB: 10.72 )
Ranked among companies with meaningful P/E(ttm) only.
SGB' s P/E(ttm) Range Over the Past 10 Years
Min: 8.46  Med: 14.25 Max: 32.74
Current: 10.72
8.46
32.74
PE(NRI) 10.63
SGB's PE(NRI) is ranked higher than
61% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. SGB: 10.63 )
Ranked among companies with meaningful PE(NRI) only.
SGB' s PE(NRI) Range Over the Past 10 Years
Min: 8.43  Med: 14.21 Max: 32.68
Current: 10.63
8.43
32.68
Price/Owner Earnings (ttm) 10.63
SGB's Price/Owner Earnings (ttm) is ranked higher than
59% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. SGB: 10.63 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SGB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.6  Med: 13.96 Max: 1075
Current: 10.63
6.6
1075
P/B 1.03
SGB's P/B is ranked higher than
51% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. SGB: 1.03 )
Ranked among companies with meaningful P/B only.
SGB' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 1.02 Max: 3.09
Current: 1.03
0.65
3.09
P/S 2.01
SGB's P/S is ranked higher than
69% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. SGB: 2.01 )
Ranked among companies with meaningful P/S only.
SGB' s P/S Range Over the Past 10 Years
Min: 1.16  Med: 1.98 Max: 4.64
Current: 2.01
1.16
4.64
PFCF 8.65
SGB's PFCF is ranked higher than
59% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. SGB: 8.65 )
Ranked among companies with meaningful PFCF only.
SGB' s PFCF Range Over the Past 10 Years
Min: 4.56  Med: 14.45 Max: 111.11
Current: 8.65
4.56
111.11
POCF 7.81
SGB's POCF is ranked higher than
56% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. SGB: 7.81 )
Ranked among companies with meaningful POCF only.
SGB' s POCF Range Over the Past 10 Years
Min: 3.64  Med: 8.44 Max: 47.4
Current: 7.81
3.64
47.4
EV-to-EBIT 12.55
SGB's EV-to-EBIT is ranked higher than
53% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. SGB: 12.55 )
Ranked among companies with meaningful EV-to-EBIT only.
SGB' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.8  Med: 12.20 Max: 33.9
Current: 12.55
-16.8
33.9
EV-to-EBITDA 10.36
SGB's EV-to-EBITDA is ranked higher than
57% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. SGB: 10.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
SGB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.3  Med: 9.40 Max: 18.4
Current: 10.36
-25.3
18.4
PEG 0.93
SGB's PEG is ranked higher than
56% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SGB: 0.93 )
Ranked among companies with meaningful PEG only.
SGB' s PEG Range Over the Past 10 Years
Min: 0.62  Med: 2.39 Max: 79.86
Current: 0.93
0.62
79.86
Shiller P/E 18.96
SGB's Shiller P/E is ranked lower than
58% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. SGB: 18.96 )
Ranked among companies with meaningful Shiller P/E only.
SGB' s Shiller P/E Range Over the Past 10 Years
Min: 6.25  Med: 13.90 Max: 20.45
Current: 18.96
6.25
20.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
SGB's Dividend Yield is ranked lower than
58% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. SGB: 2.65 )
Ranked among companies with meaningful Dividend Yield only.
SGB' s Dividend Yield Range Over the Past 10 Years
Min: 0.37  Med: 2.04 Max: 3.47
Current: 2.65
0.37
3.47
Dividend Payout 0.28
SGB's Dividend Payout is ranked higher than
60% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SGB: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
SGB' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.35 Max: 2.17
Current: 0.28
0.15
2.17
Dividend Growth (3y) 35.70
SGB's Dividend Growth (3y) is ranked higher than
87% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. SGB: 35.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SGB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.20 Max: 47.4
Current: 35.7
0
47.4
Forward Dividend Yield 2.74
SGB's Forward Dividend Yield is ranked lower than
63% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. SGB: 2.74 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 12.10
SGB's Yield on cost (5-Year) is ranked higher than
90% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. SGB: 12.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SGB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.69  Med: 9.32 Max: 15.85
Current: 12.1
1.69
15.85

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
SGB's Price/Tangible Book is ranked higher than
55% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SGB: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
SGB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 1.65 Max: 3.35
Current: 1.03
0.71
3.35
Price/Projected FCF 0.62
SGB's Price/Projected FCF is ranked higher than
53% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. SGB: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
SGB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.77 Max: 1.21
Current: 0.62
0.4
1.21
Price/Median PS Value 1.03
SGB's Price/Median PS Value is ranked lower than
54% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. SGB: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
SGB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 1.45 Max: 2.48
Current: 1.03
0.62
2.48
Price/Peter Lynch Fair Value 0.68
SGB's Price/Peter Lynch Fair Value is ranked higher than
64% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. SGB: 0.68 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SGB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.63  Med: 1.89 Max: 4.07
Current: 0.68
0.63
4.07
Price/Graham Number 0.70
SGB's Price/Graham Number is ranked higher than
62% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SGB: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
SGB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.61  Med: 0.96 Max: 1.9
Current: 0.7
0.61
1.9
Earnings Yield (Greenblatt) (%) 7.94
SGB's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. SGB: 7.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SGB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 7.70 Max: 237
Current: 7.94
3
237
Forward Rate of Return (Yacktman) (%) 23.32
SGB's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. SGB: 23.32 )
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: 9.00 Max: 24
Current: 23.32
0.3
24

More Statistics

Revenue (TTM) (Mil) $18.95
EPS (TTM) $ 1.41
Beta0.08
Short Percentage of Float0.23%
52-Week Range $13.02 - 15.95
Shares Outstanding (Mil)2.55
» More Articles for SGB

Headlines

Articles On GuruFocus.com
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
SGB Announces Quarterly Cash Dividend May 27 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security... May 26 2016
Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of... May 26 2016
SOUTHWEST GEORGIA FINANCIAL CORP Financials May 24 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 16 2016
Southwest Georgia Financial Corp. :SGB-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 22 2016
Southwest Georgia Financial Corporation Reports 30% Net Income Growth for 2016 First Quarter Apr 22 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 30 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 24 2016
Southwest Georgia Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 28 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2016
SGB Reports Record Earnings Per Share For 2015 Jan 26 2016
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers,... Dec 17 2015
SGB Announces Expansion and Management Additions Dec 17 2015
SGB Announces Quarterly Cash Dividend Nov 18 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 18 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 13 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 23 2015
SGB Reports Third Quarter 2015 Results Oct 22 2015

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