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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.13
SIBC's Cash to Debt is ranked lower than
90% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SIBC: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
SIBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.18 Max: N/A
Current: 0.13
Equity to Asset 0.17
SIBC's Equity to Asset is ranked higher than
87% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SIBC: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
SIBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.16 Max: 0.2
Current: 0.17
0.08
0.2
F-Score: 4
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 : 5/10

vs
industry
vs
history
Operating margin (%) 18.49
SIBC's Operating margin (%) is ranked lower than
78% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. SIBC: 18.49 )
Ranked among companies with meaningful Operating margin (%) only.
SIBC' s Operating margin (%) Range Over the Past 10 Years
Min: 11.57  Med: 20.97 Max: 22.35
Current: 18.49
11.57
22.35
Net-margin (%) 10.49
SIBC's Net-margin (%) is ranked lower than
83% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. SIBC: 10.49 )
Ranked among companies with meaningful Net-margin (%) only.
SIBC' s Net-margin (%) Range Over the Past 10 Years
Min: 6.66  Med: 13.70 Max: 14.02
Current: 10.49
6.66
14.02
ROE (%) 2.23
SIBC's ROE (%) is ranked lower than
87% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SIBC: 2.23 )
Ranked among companies with meaningful ROE (%) only.
SIBC' s ROE (%) Range Over the Past 10 Years
Min: 1.19  Med: 2.34 Max: 3.03
Current: 2.23
1.19
3.03
ROA (%) 0.36
SIBC's ROA (%) is ranked lower than
79% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SIBC: 0.36 )
Ranked among companies with meaningful ROA (%) only.
SIBC' s ROA (%) Range Over the Past 10 Years
Min: 0.2  Med: 0.38 Max: 0.48
Current: 0.36
0.2
0.48
» SIBC'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) 54.90
SIBC's P/E(ttm) is ranked lower than
96% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. SIBC: 54.90 )
Ranked among companies with meaningful P/E(ttm) only.
SIBC' s P/E(ttm) Range Over the Past 10 Years
Min: 16.82  Med: 51.13 Max: 100.85
Current: 54.9
16.82
100.85
PE(NRI) 54.90
SIBC's PE(NRI) is ranked lower than
95% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. SIBC: 54.90 )
Ranked among companies with meaningful PE(NRI) only.
SIBC' s PE(NRI) Range Over the Past 10 Years
Min: 16.82  Med: 51.13 Max: 97.88
Current: 54.9
16.82
97.88
P/B 1.15
SIBC's P/B is ranked lower than
65% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SIBC: 1.15 )
Ranked among companies with meaningful P/B only.
SIBC' s P/B Range Over the Past 10 Years
Min: 0.63  Med: 0.89 Max: 1.16
Current: 1.15
0.63
1.16
P/S 5.69
SIBC's P/S is ranked lower than
92% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. SIBC: 5.69 )
Ranked among companies with meaningful P/S only.
SIBC' s P/S Range Over the Past 10 Years
Min: 3.58  Med: 5.23 Max: 8.21
Current: 5.69
3.58
8.21
PFCF 93.04
SIBC's PFCF is ranked lower than
98% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. SIBC: 93.04 )
Ranked among companies with meaningful PFCF only.
SIBC' s PFCF Range Over the Past 10 Years
Min: 12.8  Med: 48.33 Max: 93.04
Current: 93.04
12.8
93.04
POCF 29.72
SIBC's POCF is ranked lower than
92% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. SIBC: 29.72 )
Ranked among companies with meaningful POCF only.
SIBC' s POCF Range Over the Past 10 Years
Min: 12.59  Med: 17.46 Max: 43.78
Current: 29.72
12.59
43.78
EV-to-EBIT 59.37
SIBC's EV-to-EBIT is ranked lower than
94% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SIBC: 59.37 )
Ranked among companies with meaningful EV-to-EBIT only.
SIBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 29.7  Med: 59.50 Max: 107.9
Current: 59.37
29.7
107.9
EV-to-EBITDA 50.89
SIBC's EV-to-EBITDA is ranked lower than
95% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. SIBC: 50.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 50.89
Current: 50.89
0
50.89

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
SIBC's Price/Tangible Book is ranked lower than
57% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. SIBC: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
SIBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.66  Med: 0.88 Max: 1.15
Current: 1.15
0.66
1.15
Price/Median PS Value 1.09
SIBC's Price/Median PS Value is ranked lower than
72% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. SIBC: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
SIBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 0.99 Max: 1.45
Current: 1.09
0.73
1.45
Price/Graham Number 1.63
SIBC's Price/Graham Number is ranked lower than
91% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. SIBC: 1.63 )
Ranked among companies with meaningful Price/Graham Number only.
SIBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.94  Med: 1.43 Max: 2.01
Current: 1.63
0.94
2.01
Earnings Yield (Greenblatt) (%) 1.70
SIBC's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SIBC: 1.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SIBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 1.70 Max: 3.4
Current: 1.7
0.9
3.4

More Statistics

Revenue(Mil) $9
EPS $ 0.39
Short Percentage of Float0.02%
52-Week Range $15.36 - 22.00
Shares Outstanding(Mil)2.30

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
State Investors Bancorp Inc was organized by State-Investors Bank in February 2011. The Company is a savings and loan holding company regulated by the Board of Governors of the Federal Reserve System. State-Investors Bank is a federally chartered savings bank located in Metairie, Louisiana, which is in Jefferson Parish. State-Investors Bank's business consists 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 lending activities are; loan portfolio composition, origination and purchase of loans, loan originations, contractual terms to final maturities, one- to four-family residential real estate loans, commercial real estate loans, land loans, multi-family residential loans, residential construction loans, home equity loans and lines of credit, consumer non-real estate loans, commercial business loans, loan origination and other fees. The Company competes with commercial banks, other savings banks and savings associations, mortgage-banking companies, short-term money market funds and other corporate and government securities funds, mutual funds and from other non-depository financial institutions such as brokerage firms and insurance companies. The types of loans that State Investors Bancorp may originate or purchase are subject to federal and state laws and regulations.
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Headlines

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