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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.08
SIBC's Cash to Debt is ranked higher than
50% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. SIBC: 0.08 )
SIBC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.08

Equity to Asset 0.15
SIBC's Equity to Asset is ranked higher than
92% of the 2022 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SIBC: 0.15 )
SIBC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.2
Current: 0.15

0.08
0.2
Interest Coverage 0.34
SIBC's Interest Coverage is ranked higher than
52% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. SIBC: 0.34 )
SIBC' s 10-Year Interest Coverage Range
Min: 0.34   Max: 0.47
Current: 0.34

0.34
0.47
F-Score: 6
Z-Score: 0.34
WACC vs ROIC
1.29%
1.08%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 19.78
SIBC's Operating margin (%) is ranked higher than
65% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 vs. SIBC: 19.78 )
SIBC' s 10-Year Operating margin (%) Range
Min: 11.57   Max: 21.26
Current: 19.78

11.57
21.26
Net-margin (%) 11.70
SIBC's Net-margin (%) is ranked higher than
61% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 vs. SIBC: 11.70 )
SIBC' s 10-Year Net-margin (%) Range
Min: 6.66   Max: 13.73
Current: 11.7

6.66
13.73
ROE (%) 2.44
SIBC's ROE (%) is ranked higher than
56% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. SIBC: 2.44 )
SIBC' s 10-Year ROE (%) Range
Min: 1.19   Max: 3.03
Current: 2.44

1.19
3.03
ROA (%) 0.39
SIBC's ROA (%) is ranked higher than
63% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SIBC: 0.39 )
SIBC' s 10-Year ROA (%) Range
Min: 0.2   Max: 0.46
Current: 0.39

0.2
0.46
ROC (Joel Greenblatt) (%) 21.11
SIBC's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. SIBC: 21.11 )
SIBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.7   Max: 37.37
Current: 21.11

10.7
37.37
» SIBC's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 50.70
SIBC's P/E(ttm) is ranked higher than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SIBC: 50.70 )
SIBC' s 10-Year P/E(ttm) Range
Min: 16.79   Max: 165.29
Current: 50.7

16.79
165.29
PE(NRI) 50.90
SIBC's PE(NRI) is ranked higher than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. SIBC: 50.90 )
SIBC' s 10-Year PE(NRI) Range
Min: 16.79   Max: 165.29
Current: 50.9

16.79
165.29
P/B 1.20
SIBC's P/B is ranked higher than
76% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. SIBC: 1.20 )
SIBC' s 10-Year P/B Range
Min: 0.63   Max: 1.2
Current: 1.2

0.63
1.2
P/S 5.90
SIBC's P/S is ranked higher than
64% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. SIBC: 5.90 )
SIBC' s 10-Year P/S Range
Min: 3.25   Max: 8.97
Current: 5.9

3.25
8.97
PFCF 21.80
SIBC's PFCF is ranked higher than
78% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SIBC: 21.80 )
SIBC' s 10-Year PFCF Range
Min: 16   Max: 94.06
Current: 21.8

16
94.06
POCF 19.70
SIBC's POCF is ranked higher than
75% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. SIBC: 19.70 )
SIBC' s 10-Year POCF Range
Min: 11.46   Max: 34.03
Current: 19.7

11.46
34.03
EV-to-EBIT 63.85
SIBC's EV-to-EBIT is ranked higher than
60% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. SIBC: 63.85 )
SIBC' s 10-Year EV-to-EBIT Range
Min: 29.7   Max: 107.9
Current: 63.85

29.7
107.9
Days Sales Outstanding 40.36
SIBC's Days Sales Outstanding is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SIBC: 40.36 )
SIBC' s 10-Year Days Sales Outstanding Range
Min: 45.98   Max: 52.27
Current: 40.36

45.98
52.27

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
SIBC's Price/Tangible Book is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. SIBC: 1.20 )
SIBC' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 0.96
Current: 1.2

0.66
0.96
Price/Median PS Value 1.20
SIBC's Price/Median PS Value is ranked higher than
76% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. SIBC: 1.20 )
SIBC' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.75
Current: 1.2

0.7
1.75
Price/Graham Number 1.60
SIBC's Price/Graham Number is ranked higher than
68% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SIBC: 1.60 )
SIBC' s 10-Year Price/Graham Number Range
Min: 0.94   Max: 2.01
Current: 1.6

0.94
2.01
Earnings Yield (Greenblatt) 1.60
SIBC's Earnings Yield (Greenblatt) is ranked higher than
55% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SIBC: 1.60 )
SIBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 3.4
Current: 1.6

0.9
3.4

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. The Company's businesses and services are checking accounts, savings accounts, consumer loans, new account worksheet, and calculators. 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.
» More Articles for SIBC

Headlines

Articles On GuruFocus.com
Weekly Top CFO Buys: TRST, SIBC, DLIA, MEI, JCS Jul 18 2011 
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