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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 0.72
SGB's Cash to Debt is ranked lower than
59% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. SGB: 0.72 )
Ranked among companies with meaningful Cash to Debt only.
SGB' s 10-Year Cash to Debt Range
Min: 0.28  Med: 0.84 Max: N/A
Current: 0.72
Equity to Asset 0.09
SGB's Equity to Asset is ranked lower than
59% of the 1353 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.14
Current: 0.09
0.08
0.14
Interest Coverage 2.69
SGB's Interest Coverage is ranked higher than
65% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. SGB: 2.69 )
Ranked among companies with meaningful Interest Coverage only.
SGB' s 10-Year Interest Coverage Range
Min: 0.29  Med: 0.78 Max: 2.69
Current: 2.69
0.29
2.69
F-Score: 4
WACC vs ROIC
6.82%
7.57%
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 (%) 21.31
SGB's Operating margin (%) is ranked lower than
71% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. SGB: 21.31 )
Ranked among companies with meaningful Operating margin (%) only.
SGB' s 10-Year Operating margin (%) Range
Min: -257.54  Med: 23.51 Max: 42.86
Current: 21.31
-257.54
42.86
Net-margin (%) 17.09
SGB's Net-margin (%) is ranked lower than
67% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. SGB: 17.09 )
Ranked among companies with meaningful Net-margin (%) only.
SGB' s 10-Year Net-margin (%) Range
Min: -11.55  Med: 19.95 Max: 159.92
Current: 17.09
-11.55
159.92
ROE (%) 9.13
SGB's ROE (%) is ranked higher than
55% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. SGB: 9.13 )
Ranked among companies with meaningful ROE (%) only.
SGB' s 10-Year ROE (%) Range
Min: -5.13  Med: 9.04 Max: 14.59
Current: 9.13
-5.13
14.59
ROA (%) 0.82
SGB's ROA (%) is ranked lower than
53% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SGB: 0.82 )
Ranked among companies with meaningful ROA (%) only.
SGB' s 10-Year ROA (%) Range
Min: -0.47  Med: 1.03 Max: 1.68
Current: 0.82
-0.47
1.68
Revenue Growth (3Y)(%) 4.50
SGB's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1210 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 10-Year Revenue Growth (3Y)(%) Range
Min: -7.6  Med: 4.70 Max: 50.1
Current: 4.5
-7.6
50.1
EBITDA Growth (3Y)(%) 17.80
SGB's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SGB: 17.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SGB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -13.3  Med: 2.50 Max: 17.8
Current: 17.8
-13.3
17.8
EPS Growth (3Y)(%) 26.00
SGB's EPS Growth (3Y)(%) is ranked higher than
80% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. SGB: 26.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SGB' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.6  Med: 2.30 Max: 26
Current: 26
-17.6
26
» 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) 11.80
SGB's P/E(ttm) is ranked higher than
58% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SGB: 11.80 )
Ranked among companies with meaningful P/E(ttm) only.
SGB' s 10-Year P/E(ttm) Range
Min: 8.46  Med: 15.63 Max: 32.74
Current: 11.8
8.46
32.74
Forward P/E 11.85
SGB's Forward P/E is ranked higher than
50% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. SGB: 11.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.80
SGB's PE(NRI) is ranked higher than
58% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SGB: 11.80 )
Ranked among companies with meaningful PE(NRI) only.
SGB' s 10-Year PE(NRI) Range
Min: 8.43  Med: 15.62 Max: 32.68
Current: 11.8
8.43
32.68
P/B 1.05
SGB's P/B is ranked higher than
51% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SGB: 1.05 )
Ranked among companies with meaningful P/B only.
SGB' s 10-Year P/B Range
Min: 0.65  Med: 1.07 Max: 3.14
Current: 1.05
0.65
3.14
P/S 2.02
SGB's P/S is ranked higher than
72% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. SGB: 2.02 )
Ranked among companies with meaningful P/S only.
SGB' s 10-Year P/S Range
Min: 1.16  Med: 2.01 Max: 4.64
Current: 2.02
1.16
4.64
PFCF 10.58
SGB's PFCF is ranked higher than
52% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. SGB: 10.58 )
Ranked among companies with meaningful PFCF only.
SGB' s 10-Year PFCF Range
Min: 4.56  Med: 15.56 Max: 116.67
Current: 10.58
4.56
116.67
POCF 8.69
SGB's POCF is ranked higher than
54% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. SGB: 8.69 )
Ranked among companies with meaningful POCF only.
SGB' s 10-Year POCF Range
Min: 3.64  Med: 8.73 Max: 48.03
Current: 8.69
3.64
48.03
EV-to-EBIT 11.72
SGB's EV-to-EBIT is ranked higher than
60% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. SGB: 11.72 )
Ranked among companies with meaningful EV-to-EBIT only.
SGB' s 10-Year EV-to-EBIT Range
Min: -16.8  Med: 13.70 Max: 33.9
Current: 11.72
-16.8
33.9
PEG 1.53
SGB's PEG is ranked lower than
65% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. SGB: 1.53 )
Ranked among companies with meaningful PEG only.
SGB' s 10-Year PEG Range
Min: 0.96  Med: 1.76 Max: 23.6
Current: 1.53
0.96
23.6
Shiller P/E 15.53
SGB's Shiller P/E is ranked higher than
52% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. SGB: 15.53 )
Ranked among companies with meaningful Shiller P/E only.
SGB' s 10-Year Shiller P/E Range
Min: 7.3  Med: 16.67 Max: 26.38
Current: 15.53
7.3
26.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.47
SGB's Dividend Yield is ranked lower than
57% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. SGB: 2.47 )
Ranked among companies with meaningful Dividend Yield only.
SGB' s 10-Year Dividend Yield Range
Min: 0.37  Med: 2.06 Max: 3.47
Current: 2.47
0.37
3.47
Dividend Payout 0.29
SGB's Dividend Payout is ranked higher than
59% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SGB: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
SGB' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.35 Max: 2.17
Current: 0.29
0.16
2.17
Dividend growth (3y) 47.40
SGB's Dividend growth (3y) is ranked higher than
92% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SGB: 47.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
SGB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.60 Max: 47.4
Current: 47.4
0
47.4
Yield on cost (5-Year) 2.47
SGB's Yield on cost (5-Year) is ranked lower than
62% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. SGB: 2.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SGB' s 10-Year Yield on cost (5-Year) Range
Min: 0.37  Med: 2.06 Max: 3.47
Current: 2.47
0.37
3.47

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.05
SGB's Price/Tangible Book is ranked higher than
57% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SGB: 1.05 )
Ranked among companies with meaningful Price/Tangible Book only.
SGB' s 10-Year Price/Tangible Book Range
Min: 0.71  Med: 1.66 Max: 3.35
Current: 1.05
0.71
3.35
Price/Projected FCF 0.69
SGB's Price/Projected FCF is ranked lower than
51% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SGB: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
SGB' s 10-Year Price/Projected FCF Range
Min: 0.4  Med: 0.77 Max: 1.13
Current: 0.69
0.4
1.13
Price/Median PS Value 1.01
SGB's Price/Median PS Value is ranked higher than
56% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SGB: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
SGB' s 10-Year Price/Median PS Value Range
Min: 0.62  Med: 1.54 Max: 2.44
Current: 1.01
0.62
2.44
Price/Peter Lynch Fair Value 1.08
SGB's Price/Peter Lynch Fair Value is ranked lower than
61% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. SGB: 1.08 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SGB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.01  Med: 1.73 Max: 3.48
Current: 1.08
1.01
3.48
Price/Graham Number 0.74
SGB's Price/Graham Number is ranked higher than
59% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SGB: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
SGB' s 10-Year Price/Graham Number Range
Min: 0.61  Med: 1.06 Max: 2.44
Current: 0.74
0.61
2.44
Earnings Yield (Greenblatt) (%) 8.50
SGB's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SGB: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SGB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3  Med: 6.80 Max: 237
Current: 8.5
3
237
Forward Rate of Return (Yacktman) (%) 18.06
SGB's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. SGB: 18.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SGB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.3  Med: 9.10 Max: 25.4
Current: 18.06
0.3
25.4

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

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Solegear Reports First Quarter Financial Results & Highlights Jul 02 2015 
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Southwest Georgia Financial Corp Reports Operating Results (10-Q) Nov 16 2009 
Southwest Georgia Financial Corp Reports Operating Results (10-Q) Aug 14 2009 

More From Other Websites
SGB Announces Quarterly Cash Dividend Aug 27 2015
SOUTHWEST GEORGIA FINANCIAL CORP Financials Aug 27 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 26 2015
Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend Aug 26 2015
10-Q for Southwest Georgia Financial Corp. Aug 17 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 14 2015
SGB Reports Second Quarter 2015 Results Jul 17 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 16 2015
Southwest Georgia Financial Corporation Reports 17% Increase in Net Income for Second Quarter 2015 Jul 16 2015
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
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 15 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 23 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 31 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 26 2015
SGB Increases Quarterly Cash Dividend 25% Feb 26 2015
SGB Reports Fourth Quarter 2014 Results Feb 22 2015
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2015
SGB Announces Cash Dividend Nov 21 2014
SOUTHWEST GEORGIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 20 2014

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