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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 0.87
SGB's Cash to Debt is ranked lower than
58% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SGB: 0.87 )
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: 0.87
0.28
2.61
Equity to Asset 0.09
SGB's Equity to Asset is ranked lower than
60% of the 1578 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 3.19
SGB's Interest Coverage is ranked higher than
67% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. SGB: 3.19 )
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: 2.69
Current: 3.19
0.29
2.69
F-Score: 4
WACC vs ROIC
3.32%
8.11%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 22.87
SGB's Operating margin (%) is ranked lower than
70% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. SGB: 22.87 )
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: 31.18
Current: 22.87
-26.53
31.18
Net-margin (%) 18.36
SGB's Net-margin (%) is ranked lower than
65% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. SGB: 18.36 )
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: 23.91
Current: 18.36
-11.55
23.91
ROE (%) 9.49
SGB's ROE (%) is ranked higher than
61% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SGB: 9.49 )
Ranked among companies with meaningful ROE (%) only.
SGB' s ROE (%) Range Over the Past 10 Years
Min: -5.13  Med: 7.26 Max: 10.99
Current: 9.49
-5.13
10.99
ROA (%) 0.86
SGB's ROA (%) is ranked higher than
50% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SGB: 0.86 )
Ranked among companies with meaningful ROA (%) only.
SGB' s ROA (%) Range Over the Past 10 Years
Min: -0.47  Med: 0.64 Max: 1.43
Current: 0.86
-0.47
1.43
Revenue Growth (3Y)(%) 4.50
SGB's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SGB: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SGB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.6  Med: 4.60 Max: 13.3
Current: 4.5
-7.6
13.3
EBITDA Growth (3Y)(%) 17.80
SGB's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SGB: 17.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SGB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.3  Med: 2.50 Max: 17.8
Current: 17.8
-13.3
17.8
EPS Growth (3Y)(%) 25.80
SGB's EPS Growth (3Y)(%) is ranked higher than
82% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SGB: 25.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SGB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.4  Med: 2.60 Max: 25.8
Current: 25.8
-17.4
25.8
» SGB'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) 10.93
SGB's P/E(ttm) is ranked higher than
52% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. SGB: 10.93 )
Ranked among companies with meaningful P/E(ttm) only.
SGB' s P/E(ttm) Range Over the Past 10 Years
Min: 8.46  Med: 14.84 Max: 32.74
Current: 10.93
8.46
32.74
Forward P/E 11.85
SGB's Forward P/E is ranked lower than
74% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. SGB: 11.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.81
SGB's PE(NRI) is ranked higher than
58% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. SGB: 10.81 )
Ranked among companies with meaningful PE(NRI) only.
SGB' s PE(NRI) Range Over the Past 10 Years
Min: 8.43  Med: 14.76 Max: 32.68
Current: 10.81
8.43
32.68
P/B 0.96
SGB's P/B is ranked higher than
51% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. SGB: 0.96 )
Ranked among companies with meaningful P/B only.
SGB' s P/B Range Over the Past 10 Years
Min: 0.65  Med: 1.04 Max: 3.09
Current: 0.96
0.65
3.09
P/S 1.91
SGB's P/S is ranked higher than
65% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. SGB: 1.91 )
Ranked among companies with meaningful P/S only.
SGB' s P/S Range Over the Past 10 Years
Min: 1.16  Med: 2.00 Max: 4.64
Current: 1.91
1.16
4.64
PFCF 8.44
SGB's PFCF is ranked lower than
52% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. SGB: 8.44 )
Ranked among companies with meaningful PFCF only.
SGB' s PFCF Range Over the Past 10 Years
Min: 4.56  Med: 15.16 Max: 116.67
Current: 8.44
4.56
116.67
POCF 7.55
SGB's POCF is ranked lower than
53% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. SGB: 7.55 )
Ranked among companies with meaningful POCF only.
SGB' s POCF Range Over the Past 10 Years
Min: 3.64  Med: 8.55 Max: 48.03
Current: 7.55
3.64
48.03
EV-to-EBIT 10.69
SGB's EV-to-EBIT is ranked higher than
59% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. SGB: 10.69 )
Ranked among companies with meaningful EV-to-EBIT only.
SGB' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.8  Med: 12.70 Max: 33.9
Current: 10.69
-16.8
33.9
EV-to-EBITDA 8.63
SGB's EV-to-EBITDA is ranked higher than
67% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. SGB: 8.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
SGB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.3  Med: 9.50 Max: 18.4
Current: 8.63
-25.3
18.4
PEG 1.42
SGB's PEG is ranked lower than
65% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SGB: 1.42 )
Ranked among companies with meaningful PEG only.
SGB' s PEG Range Over the Past 10 Years
Min: 0.95  Med: 1.60 Max: 43
Current: 1.42
0.95
43
Shiller P/E 17.28
SGB's Shiller P/E is ranked lower than
61% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. SGB: 17.28 )
Ranked among companies with meaningful Shiller P/E only.
SGB' s Shiller P/E Range Over the Past 10 Years
Min: 6.25  Med: 13.33 Max: 20.19
Current: 17.28
6.25
20.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.93
SGB's Dividend Yield is ranked lower than
52% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. SGB: 2.93 )
Ranked among companies with meaningful Dividend Yield only.
SGB' s Dividend Yield Range Over the Past 10 Years
Min: 0.37  Med: 2.06 Max: 3.47
Current: 2.93
0.37
3.47
Dividend Payout 0.30
SGB's Dividend Payout is ranked higher than
57% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SGB: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
SGB' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.35 Max: 2.17
Current: 0.3
0.16
2.17
Dividend Growth (3y) 47.40
SGB's Dividend Growth (3y) is ranked higher than
93% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. SGB: 47.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SGB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 1.90 Max: 47.4
Current: 47.4
0
47.4
Forward Dividend Yield 2.93
SGB's Forward Dividend Yield is ranked lower than
56% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. SGB: 2.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.93
SGB's Yield on cost (5-Year) is ranked lower than
57% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. SGB: 2.93 )
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: 0.37  Med: 2.06 Max: 3.47
Current: 2.93
0.37
3.47

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
SGB's Price/Tangible Book is ranked higher than
57% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SGB: 0.97 )
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: 0.97
0.71
3.35
Price/Projected FCF 0.63
SGB's Price/Projected FCF is ranked higher than
50% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. SGB: 0.63 )
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: 1.13
Current: 0.63
0.4
1.13
Price/Median PS Value 0.95
SGB's Price/Median PS Value is ranked lower than
52% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. SGB: 0.95 )
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: 1.54 Max: 2.45
Current: 0.95
0.62
2.45
Price/Peter Lynch Fair Value 0.96
SGB's Price/Peter Lynch Fair Value is ranked lower than
60% of the 634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SGB: 0.96 )
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: 1  Med: 1.65 Max: 3.86
Current: 0.96
1
3.86
Price/Graham Number 0.77
SGB's Price/Graham Number is ranked higher than
50% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. SGB: 0.77 )
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: 0.77
0.61
1.9
Earnings Yield (Greenblatt) (%) 9.32
SGB's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SGB: 9.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SGB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3  Med: 7.30 Max: 237
Current: 9.32
3
237
Forward Rate of Return (Yacktman) (%) 19.36
SGB's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. SGB: 19.36 )
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: 9.10 Max: 25.1
Current: 19.36
0.3
25.1

More Statistics

Revenue(Mil) $18
EPS $ 1.32
Beta0.12
Short Percentage of Float0.21%
52-Week Range $12.83 - 16.40
Shares Outstanding(Mil)2.55

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 Corporation's operations are divided into five reportable business segments: The Retail and Commercial Banking Services, Commercial Mortgage Banking Services, Insurance Services, Trust and Retail Brokerage 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 Commercial Mortgage Banking Services segment originates and services commercial mortgage loans on properties that are located throughout the southeastern United States. The Insurance Services segment offers clients a full spectrum of commercial and personal lines insurance products including life, health, property, and casualty insurance. The Trust and Retail Brokerage Services segment provides personal trust administration, estate settlement, investment management, employee retirement benefit services, and the Individual Retirement Account, or 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 Corporation 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).
» 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
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SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 14 2015
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SGB Announces Quarterly Cash Dividend May 28 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security... May 27 2015
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SGB Increases Quarterly Cash Dividend 25% Feb 26 2015
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