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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 1.78
SGB's Cash to Debt is ranked higher than
76% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. SGB: 1.78 )
SGB' s 10-Year Cash to Debt Range
Min: 0.28   Max: No Debt
Current: 1.78

Equity to Asset 0.08
SGB's Equity to Asset is ranked higher than
61% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SGB: 0.08 )
SGB' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.08

0.08
0.14
Interest Coverage 1.89
SGB's Interest Coverage is ranked higher than
75% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SGB: 1.89 )
SGB' s 10-Year Interest Coverage Range
Min: 0.29   Max: 1.89
Current: 1.89

0.29
1.89
F-Score: 6
Z-Score: 0.21
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 (%) 17.52
SGB's Operating margin (%) is ranked higher than
58% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. SGB: 17.52 )
SGB' s 10-Year Operating margin (%) Range
Min: -26.53   Max: 42.86
Current: 17.52

-26.53
42.86
Net-margin (%) 15.48
SGB's Net-margin (%) is ranked higher than
63% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. SGB: 15.48 )
SGB' s 10-Year Net-margin (%) Range
Min: -11.55   Max: 28.57
Current: 15.48

-11.55
28.57
ROE (%) 8.82
SGB's ROE (%) is ranked higher than
78% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. SGB: 8.82 )
SGB' s 10-Year ROE (%) Range
Min: -5.49   Max: 14.74
Current: 8.82

-5.49
14.74
ROA (%) 0.74
SGB's ROA (%) is ranked higher than
71% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. SGB: 0.74 )
SGB' s 10-Year ROA (%) Range
Min: -0.48   Max: 1.7
Current: 0.74

-0.48
1.7
ROC (Joel Greenblatt) (%) 30.35
SGB's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. SGB: 30.35 )
SGB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -22.12   Max: 142.42
Current: 30.35

-22.12
142.42
Revenue Growth (%) 4.90
SGB's Revenue Growth (%) is ranked higher than
85% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SGB: 4.90 )
SGB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 13.3
Current: 4.9

0
13.3
EBITDA Growth (%) 7.30
SGB's EBITDA Growth (%) is ranked higher than
73% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SGB: 7.30 )
SGB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 102.4
Current: 7.3

0
102.4
EPS Growth (%) 14.30
SGB's EPS Growth (%) is ranked higher than
80% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SGB: 14.30 )
SGB' s 10-Year EPS Growth (%) Range
Min: -17.6   Max: 14.3
Current: 14.3

-17.6
14.3
» SGB's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SGB

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Ratios

vs
industry
vs
history
P/E(ttm) 12.90
SGB's P/E(ttm) is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. SGB: 12.90 )
SGB' s 10-Year P/E(ttm) Range
Min: 8.46   Max: 32.74
Current: 12.9

8.46
32.74
P/B 1.20
SGB's P/B is ranked higher than
72% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SGB: 1.20 )
SGB' s 10-Year P/B Range
Min: 0.65   Max: 3.14
Current: 1.2

0.65
3.14
P/S 2.08
SGB's P/S is ranked higher than
84% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SGB: 2.08 )
SGB' s 10-Year P/S Range
Min: 1.16   Max: 4.64
Current: 2.08

1.16
4.64
PFCF 15.60
SGB's PFCF is ranked higher than
70% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. SGB: 15.60 )
SGB' s 10-Year PFCF Range
Min: 4.32   Max: 116.67
Current: 15.6

4.32
116.67
EV-to-EBIT 4.18
SGB's EV-to-EBIT is ranked higher than
97% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. SGB: 4.18 )
SGB' s 10-Year EV-to-EBIT Range
Min: 0.4   Max: 33.9
Current: 4.18

0.4
33.9
PEG 2.20
SGB's PEG is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SGB: 2.20 )
SGB' s 10-Year PEG Range
Min: 0.97   Max: 24.42
Current: 2.2

0.97
24.42
Shiller P/E 25.60
SGB's Shiller P/E is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. SGB: 25.60 )
SGB' s 10-Year Shiller P/E Range
Min: 7.3   Max: 26.38
Current: 25.6

7.3
26.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
SGB's Dividend Yield is ranked lower than
60% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. SGB: 1.89 )
SGB' s 10-Year Dividend Yield Range
Min: 0.37   Max: 3.2
Current: 1.89

0.37
3.2
Dividend Payout 0.21
SGB's Dividend Payout is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SGB: 0.21 )
SGB' s 10-Year Dividend Payout Range
Min: 0.16   Max: 2.17
Current: 0.21

0.16
2.17
Dividend growth (3y) 26.00
SGB's Dividend growth (3y) is ranked higher than
91% of the 962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SGB: 26.00 )
SGB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 26
Current: 26

0
26
Yield on cost (5-Year) 1.90
SGB's Yield on cost (5-Year) is ranked lower than
60% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. SGB: 1.90 )
SGB' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 3.2
Current: 1.9

0.37
3.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
SGB's Price/Tangible Book is ranked higher than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. SGB: 1.20 )
SGB' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 3.35
Current: 1.2

0.71
3.35
Price/DCF (Projected) 0.90
SGB's Price/DCF (Projected) is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SGB: 0.90 )
SGB' s 10-Year Price/DCF (Projected) Range
Min: 0.36   Max: 1.04
Current: 0.9

0.36
1.04
Price/Median PS Value 0.90
SGB's Price/Median PS Value is ranked higher than
89% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SGB: 0.90 )
SGB' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 2.15
Current: 0.9

0.54
2.15
Price/Graham Number 0.80
SGB's Price/Graham Number is ranked higher than
82% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SGB: 0.80 )
SGB' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 2.44
Current: 0.8

0.61
2.44
Earnings Yield (Greenblatt) 23.50
SGB's Earnings Yield (Greenblatt) is ranked higher than
96% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SGB: 23.50 )
SGB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 237
Current: 23.5

3
237
Forward Rate of Return (Yacktman) 4.29
SGB's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. SGB: 4.29 )
SGB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.4   Max: 22.8
Current: 4.29

0.4
22.8

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, which, in 1981, acquired 100% of the outstanding shares of Southwest Georgia Bank (the 'Bank'). The Company's main business is providing banking services through the Bank to individuals and businesses mainly in Colquitt County, Baker County, Thomas County, Worth County, and the surrounding counties of southwest Georgia. The Corporation 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 (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 banking business is highly competitive. The Bank and Empire compete with other depository institutions and other financial service organizations, including brokers, finance companies, savings and loan associations, credit unions and certain governmental agencies. The Company 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).

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