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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 0.11
SIBC's Cash to Debt is ranked higher than
50% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SIBC: 0.11 )
SIBC' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.11

Equity to Asset 0.15
SIBC's Equity to Asset is ranked higher than
93% of the 1739 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
51% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 0.30
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.96
SIBC's Operating margin (%) is ranked higher than
59% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. SIBC: 16.96 )
SIBC' s 10-Year Operating margin (%) Range
Min: 11.57   Max: 21.26
Current: 16.96

11.57
21.26
Net-margin (%) 9.71
SIBC's Net-margin (%) is ranked higher than
56% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. SIBC: 9.71 )
SIBC' s 10-Year Net-margin (%) Range
Min: 6.66   Max: 13.73
Current: 9.71

6.66
13.73
ROE (%) 1.91
SIBC's ROE (%) is ranked higher than
53% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. SIBC: 1.91 )
SIBC' s 10-Year ROE (%) Range
Min: 1.19   Max: 3.03
Current: 1.91

1.19
3.03
ROA (%) 0.31
SIBC's ROA (%) is ranked higher than
58% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SIBC: 0.31 )
SIBC' s 10-Year ROA (%) Range
Min: 0.2   Max: 0.46
Current: 0.31

0.2
0.46
ROC (Joel Greenblatt) (%) 17.10
SIBC's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. SIBC: 17.10 )
SIBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.7   Max: 37.37
Current: 17.1

10.7
37.37
» SIBC's 10-Y Financials

Financials


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

» Details

Guru Trades

SIBC Guru Trades in

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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 50.40
SIBC's P/E(ttm) is ranked higher than
58% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. SIBC: 50.40 )
SIBC' s 10-Year P/E(ttm) Range
Min: 16.82   Max: 165.29
Current: 50.4

16.82
165.29
P/B 0.90
SIBC's P/B is ranked higher than
82% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SIBC: 0.90 )
SIBC' s 10-Year P/B Range
Min: 0.63   Max: 0.98
Current: 0.9

0.63
0.98
P/S 4.90
SIBC's P/S is ranked higher than
59% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SIBC: 4.90 )
SIBC' s 10-Year P/S Range
Min: 3.37   Max: 8.97
Current: 4.9

3.37
8.97
PFCF 18.70
SIBC's PFCF is ranked higher than
74% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. SIBC: 18.70 )
SIBC' s 10-Year PFCF Range
Min: 15.17   Max: 51.39
Current: 18.7

15.17
51.39
EV-to-EBIT 68.95
SIBC's EV-to-EBIT is ranked higher than
59% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. SIBC: 68.95 )
SIBC' s 10-Year EV-to-EBIT Range
Min: 29.7   Max: 107.9
Current: 68.95

29.7
107.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
SIBC's Price/Tangible Book is ranked higher than
85% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SIBC: 0.92 )
SIBC' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 0.97
Current: 0.92

0.66
0.97
Price/Median PS Value 0.97
SIBC's Price/Median PS Value is ranked higher than
86% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SIBC: 0.97 )
SIBC' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.74
Current: 0.97

0.7
1.74
Price/Graham Number 1.39
SIBC's Price/Graham Number is ranked higher than
63% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SIBC: 1.39 )
SIBC' s 10-Year Price/Graham Number Range
Min: 0.94   Max: 2.04
Current: 1.39

0.94
2.04
Earnings Yield (Greenblatt) 1.50
SIBC's Earnings Yield (Greenblatt) is ranked lower than
51% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SIBC: 1.50 )
SIBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 3.4
Current: 1.5

0.9
3.4

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
State Investors Bancorp, Inc., is a savings and loan holding company. The Company through its subsidiary, State-Investors Bank attracts deposits from general to originate residential and commercial loans.

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