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14.58 (1y: +20%)
Market Cap 36.8 M P/E(ttm) 63.40
Enterprise Value 36.81 M P/B 0.90
SIBC- NAS (USA)
State Investors Bancorp, Inc.
Not Rated
Top Ranked Predictable Companies
$14.58
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt 0.324
SIBC's Cash to Debt is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SIBC: 0.324 )
SIBC' s 10-Year Cash to Debt Range
Min: 0.18   Max: 0.32
Current: 0.32
0.18
0.32
Equity to Asset 0.177
SIBC's Equity to Asset is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SIBC: 0.177 )
SIBC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.19
Current: 0.18
0.1
0.19
Interest Coverage No Debt
SIBC's Interest Coverage is ranked lower than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SIBC: No Debt )
SIBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 15.70
SIBC's Operating margin (%) is ranked lower than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. SIBC: 15.70 )
SIBC' s 10-Year Operating margin (%) Range
Min: 15.7   Max: 21.3
Current: 15.7
15.7
21.3
Net-margin (%) 9.5
SIBC's Net-margin (%) is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SIBC: 9.5 )
SIBC' s 10-Year Net-margin (%) Range
Min: 9.5   Max: 13.7
Current: 9.5
9.5
13.7
ROE (%) 1.7
SIBC's ROE (%) is ranked lower than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SIBC: 1.7 )
SIBC' s 10-Year ROE (%) Range
Min: 1.7   Max: 4.6
Current: 1.7
1.7
4.6
ROA (%) 0.3
SIBC's ROA (%) is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SIBC: 0.3 )
SIBC' s 10-Year ROA (%) Range
Min: 0.3   Max: 0.5
Current: 0.3
0.3
0.5
ยป SIBC's 10-Y Financials

Financials


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

» Details

Guru Trades
Q1 2012

SIBC Guru Trades in Q1 2012

First Pacific Advisors 3,796 sh (New)
» More
Q2 2012

SIBC Guru Trades in Q2 2012

First Pacific Advisors 25,320 sh (+567.02%)
» More
Q3 2012

SIBC Guru Trades in Q3 2012

First Pacific Advisors 25,320 sh (unchged)
» More
Q4 2012

SIBC Guru Trades in Q4 2012

First Pacific Advisors Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with SIBC



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 63.40
SIBC's P/E(ttm) is ranked lower than
84% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SIBC: 63.40 )
SIBC' s 10-Year P/E(ttm) Range
Min: 16.82   Max: 165.29
Current: 63.4
16.82
165.29
P/B 0.90
SIBC's P/B is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SIBC: 0.90 )
SIBC' s 10-Year P/B Range
Min: 0.15   Max: 0.93
Current: 0.9
0.15
0.93
P/S 5.18
SIBC's P/S is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SIBC: 5.18 )
SIBC' s 10-Year P/S Range
Min: 2.52   Max: 17.53
Current: 5.18
2.52
17.53
PFCF 26.50
SIBC's PFCF is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SIBC: 26.50 )
SIBC' s 10-Year PFCF Range
Min: 16.02   Max: 69.53
Current: 26.5
16.02
69.53
EV-to-EBIT 33.3
SIBC's EV-to-EBIT is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SIBC: 33.3 )
SIBC' s 10-Year EV-to-EBIT Range
Min: 26.3   Max: 79.2
Current: 33.3
26.3
79.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
SIBC's Price/Tangible Book is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SIBC: 0.9 )
SIBC' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 0.5
Current: 0.9
0.3
0.5
Price/Median PS Value 1.6
SIBC's Price/Median PS Value is ranked lower than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SIBC: 1.6 )
SIBC' s 10-Year Price/Median PS Value Range
Min: 1   Max: 1.6
Current: 1.6
1
1.6
Price/Graham Number 0.8
SIBC's Price/Graham Number is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SIBC: 0.8 )
SIBC' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 0.7
Current: 0.8
0.5
0.7
Earnings Yield (Greenblatt) 3.00
SIBC's Earnings Yield (Greenblatt) is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SIBC: 3.00 )
SIBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 3.8
Current: 3
1.3
3.8

Business Description

State Investors Bancorp, Inc. was incorporated in the State of Louisiana. It conducts its business through its wholly-owned subsidiary, State-Investors Bank. State-Investors Bank is a federally chartered savings bank located in Metairie, Louisiana, which is in Jefferson Parish. State-Investors Bank's business consists primarily of attracting deposits from the general public and using those funds to originate residential and commercial loans in Jefferson, Orleans and St. Tammany Parishes within the seven parish New Orleans-Metairie-Kenner Metropolitan Statistical Area. It conducts its operations through its main office in Metairie, Louisiana located in Jefferson Parish, one additional branch office in Jefferson Parish, one branch office located in New Orleans, Louisiana, which is in Orleans Parish and one branch office located in Mandeville, Louisiana, which is in St. Tammany Parish. The principal lending activity of State-Investors Bank is the origination of one- to four-family residential loans and, to a lesser extent, commercial real estate loans. The Company's principal lending activity is the origination of loans secured by single-family residences. It originates multi-family residential loans in its local market area primarily consisting of apartment rental properties with eight units or less. State-Investors Bank originates residential construction loans to be converted to permanent financing. The Bank originates second mortgage residential loans and home equity lines of credit to finance minor renovations and repairs as well as for other consumer or investment purposes. The Bank originates consumer non-real estate loans that have terms up to five years and generally higher interest rates than residential mortgage loans. The consumer loans offered by State-Investors Bank consist of installment loans for various purposes including home improvement loans, auto loans, boat loans and loans on deposit accounts. It faces significant competition in originating loans and attracting deposits. This competition stems primarily from commercial banks, other savings banks and savings associations and mortgage-banking companies. State-Investors Bank, as a federally chartered savings bank, is subject to federal regulation and oversight by the Office of Thrift Supervision extending to all aspects of its operations.
Company Website
SEC Reports
Industry: Banks - Regional - US
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Headlines

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