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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.32
SIFI's Cash-to-Debt is ranked lower than
81% of the 1482 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. SIFI: 0.32 )
Ranked among companies with meaningful Cash-to-Debt only.
SIFI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.25 Max: No Debt
Current: 0.32
Equity-to-Asset 0.11
SIFI's Equity-to-Asset is ranked higher than
61% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. SIFI: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
SIFI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.14
Current: 0.11
0.07
0.14
Interest Coverage 1.61
SIFI's Interest Coverage is ranked lower than
51% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. SIFI: 1.61 )
Ranked among companies with meaningful Interest Coverage only.
SIFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.31 Max: 1.61
Current: 1.61
0.02
1.61
Beneish M-Score: -2.38
WACC vs ROIC
3.92%
3.53%
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 % 27.79
SIFI's Operating Margin % is ranked lower than
58% of the 1497 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.60 vs. SIFI: 27.79 )
Ranked among companies with meaningful Operating Margin % only.
SIFI' s Operating Margin % Range Over the Past 10 Years
Min: -15.58  Med: 7.71 Max: 27.79
Current: 27.79
-15.58
27.79
Net Margin % 19.36
SIFI's Net Margin % is ranked lower than
59% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.84 vs. SIFI: 19.36 )
Ranked among companies with meaningful Net Margin % only.
SIFI' s Net Margin % Range Over the Past 10 Years
Min: -10.57  Med: 5.5 Max: 19.36
Current: 19.36
-10.57
19.36
ROE % 7.12
SIFI's ROE % is ranked lower than
60% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.26 vs. SIFI: 7.12 )
Ranked among companies with meaningful ROE % only.
SIFI' s ROE % Range Over the Past 10 Years
Min: -3.71  Med: 2 Max: 7.12
Current: 7.12
-3.71
7.12
ROA % 0.74
SIFI's ROA % is ranked lower than
58% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. SIFI: 0.74 )
Ranked among companies with meaningful ROA % only.
SIFI' s ROA % Range Over the Past 10 Years
Min: -0.35  Med: 0.22 Max: 0.75
Current: 0.74
-0.35
0.75
3-Year Revenue Growth Rate 10.50
SIFI's 3-Year Revenue Growth Rate is ranked higher than
77% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. SIFI: 10.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SIFI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.3 Max: 16.6
Current: 10.5
0
16.6
3-Year EBITDA Growth Rate 137.40
SIFI's 3-Year EBITDA Growth Rate is ranked higher than
99% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. SIFI: 137.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SIFI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.75 Max: 137.4
Current: 137.4
0
137.4
GuruFocus has detected 2 Warning Signs with SI Financial Group Inc $SIFI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SIFI's 10-Y Financials

Financials (Next Earnings Date: 2017-04-30 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SIFI Guru Trades in Q1 2016

Jim Simons 198,615 sh (+15.96%)
Keeley Asset Management Corp 18,052 sh (+0.29%)
Michael Price 120,000 sh (-46.77%)
» More
Q2 2016

SIFI Guru Trades in Q2 2016

Jim Simons 232,443 sh (+17.03%)
Keeley Asset Management Corp 18,104 sh (+0.29%)
Michael Price 109,241 sh (-8.97%)
» More
Q3 2016

SIFI Guru Trades in Q3 2016

Keeley Asset Management Corp 20,665 sh (+14.15%)
Jim Simons 235,400 sh (+1.27%)
Michael Price 109,241 sh (unchged)
» More
Q4 2016

SIFI Guru Trades in Q4 2016

Jim Simons 294,800 sh (+25.23%)
Michael Price 109,241 sh (unchged)
Keeley Asset Management Corp Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with SIFI

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

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:BFIN, NAS:BKMU, NYSE:BHLB » details
SI Financial Group Inc is a bank holding company. The Bank operates as a community-oriented financial institution offering a financial services to consumers & businesses, including insurance, trust & investment services.

SI Financial Group Inc was incorporated in Maryland in 2004. It is a bank holding company. The Bank operates as a community-oriented financial institution offering financial services to consumers & businesses, including insurance, trust & investment services. The Bank attracts deposits from the general public and uses those funds to originate one- to four-family residential, multi-family and commercial real estate, commercial business and consumer loans. The Bank also purchases commercial business loans, including loans fully guaranteed by the Small Business Administration ("SBA") and the United States Department of Agriculture ("USDA"). The Bank operates 26 full-service offices throughout Windham, New London, Tolland, Hartford and Middlesex counties in Connecticut and Newport and Washington counties in Rhode Island and one wealth management and trust services office in Windham county. The Bank's lending area is eastern Connecticut and Rhode Island. The Bank's loan portfolio consists of one- to four-family residential mortgage loans, multi-family and commercial real estate loans and commercial business loans. To a much lesser extent, the loan portfolio includes construction and consumer loans. The Company has legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies, government-sponsored enterprises, state and municipal governments, mortgage-backed securities and certificates of deposit of federally-insured institutions. Deposits, other borrowings, repayments and sale of loans and investment securities are the sources of the Company's funds for lending and other investment purposes. Loan and investment security repayments are a relatively stable source of funds, while deposit inflows and loan and investment security prepayments are influenced by general interest rates and money market conditions. The Bank's trust department provides fiduciary services, investment management and retirement services to individuals, partnerships, corporations and institutions. Additionally, the Bank acts as guardian, conservator, executor or trustee under various trusts, wills and other agreements. The Bank is subject to extensive regulation, examination and supervision by the Office of the Comptroller of the Currency ("OCC"), as its primary federal regulator, and the FDIC, as the insurer of its deposits. The Bank faces competition for the attraction of deposits and origination of loans. The competition for deposits has come from the several financial institutions operating in the Bank's market area and, to a lesser extent, from other financial service companies, such as brokerage firms, credit unions and insurance companies. The Bank also faces competition for investors' funds from money market funds and other corporate and government securities.

Ratios

vs
industry
vs
history
PE Ratio 14.68
SIFI's PE Ratio is ranked lower than
87% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.36 vs. SIFI: 14.68 )
Ranked among companies with meaningful PE Ratio only.
SIFI' s PE Ratio Range Over the Past 10 Years
Min: 14.68  Med: 41.49 Max: 204.67
Current: 14.68
14.68
204.67
PE Ratio without NRI 14.68
SIFI's PE Ratio without NRI is ranked lower than
87% of the 1595 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. SIFI: 14.68 )
Ranked among companies with meaningful PE Ratio without NRI only.
SIFI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.68  Med: 41.49 Max: 204.67
Current: 14.68
14.68
204.67
Price-to-Owner-Earnings 11.78
SIFI's Price-to-Owner-Earnings is ranked higher than
60% of the 860 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.74 vs. SIFI: 11.78 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SIFI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.78  Med: 24.04 Max: 66.89
Current: 11.78
11.78
66.89
PB Ratio 1.03
SIFI's PB Ratio is ranked higher than
55% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. SIFI: 1.03 )
Ranked among companies with meaningful PB Ratio only.
SIFI' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 0.96 Max: 2.06
Current: 1.03
0.56
2.06
PS Ratio 2.83
SIFI's PS Ratio is ranked higher than
56% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. SIFI: 2.83 )
Ranked among companies with meaningful PS Ratio only.
SIFI' s PS Ratio Range Over the Past 10 Years
Min: 1.4  Med: 3.04 Max: 5.27
Current: 2.83
1.4
5.27
Price-to-Free-Cash-Flow 10.92
SIFI's Price-to-Free-Cash-Flow is ranked higher than
55% of the 854 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.08 vs. SIFI: 10.92 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SIFI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.79  Med: 15.1 Max: 78.06
Current: 10.92
6.79
78.06
Price-to-Operating-Cash-Flow 10.14
SIFI's Price-to-Operating-Cash-Flow is ranked higher than
52% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. SIFI: 10.14 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SIFI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.26  Med: 11.53 Max: 44.92
Current: 10.14
6.26
44.92
EV-to-EBIT 19.90
SIFI's EV-to-EBIT is ranked lower than
89% of the 1204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.59 vs. SIFI: 19.90 )
Ranked among companies with meaningful EV-to-EBIT only.
SIFI' s EV-to-EBIT Range Over the Past 10 Years
Min: -296.8  Med: 51.3 Max: 4937.1
Current: 19.9
-296.8
4937.1
EV-to-EBITDA 16.82
SIFI's EV-to-EBITDA is ranked lower than
86% of the 1219 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.36 vs. SIFI: 16.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -122.7  Med: 35.2 Max: 619.2
Current: 16.82
-122.7
619.2
PEG Ratio 0.44
SIFI's PEG Ratio is ranked higher than
86% of the 767 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. SIFI: 0.44 )
Ranked among companies with meaningful PEG Ratio only.
SIFI' s PEG Ratio Range Over the Past 10 Years
Min: 0.43  Med: 1.6 Max: 9.02
Current: 0.44
0.43
9.02
Shiller PE Ratio 62.42
SIFI's Shiller PE Ratio is ranked lower than
94% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.69 vs. SIFI: 62.42 )
Ranked among companies with meaningful Shiller PE Ratio only.
SIFI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 62.42  Med: 77.97 Max: 94.07
Current: 62.42
62.42
94.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.22
SIFI's Dividend Yield % is ranked lower than
85% of the 2308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. SIFI: 1.22 )
Ranked among companies with meaningful Dividend Yield % only.
SIFI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.43  Med: 1.17 Max: 4.6
Current: 1.22
0.43
4.6
Dividend Payout Ratio 0.17
SIFI's Dividend Payout Ratio is ranked higher than
83% of the 1308 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. SIFI: 0.17 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SIFI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.44 Max: 1.33
Current: 0.17
0.17
1.33
3-Year Dividend Growth Rate 10.10
SIFI's 3-Year Dividend Growth Rate is ranked higher than
59% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. SIFI: 10.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SIFI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -58.75 Max: 10.1
Current: 10.1
0
10.1
Forward Dividend Yield % 1.43
SIFI's Forward Dividend Yield % is ranked lower than
83% of the 2276 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.87 vs. SIFI: 1.43 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.68
SIFI's 5-Year Yield-on-Cost % is ranked lower than
77% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. SIFI: 1.68 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SIFI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.6  Med: 1.63 Max: 6.39
Current: 1.68
0.6
6.39
3-Year Average Share Buyback Ratio 1.60
SIFI's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. SIFI: 1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SIFI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.5  Med: 1.65 Max: 0
Current: 1.6
-6.5
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.16
SIFI's Price-to-Tangible-Book is ranked higher than
50% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. SIFI: 1.16 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SIFI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.82  Med: 1.22 Max: 1.91
Current: 1.16
0.82
1.91
Price-to-Intrinsic-Value-Projected-FCF 0.68
SIFI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99.99% of the 895 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. SIFI: 0.68 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SIFI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.68  Med: 0.74 Max: 1.09
Current: 0.68
0.68
1.09
Price-to-Median-PS-Value 0.93
SIFI's Price-to-Median-PS-Value is ranked lower than
99.99% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. SIFI: 0.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SIFI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.1  Med: 1.03 Max: 1.56
Current: 0.93
0.1
1.56
Price-to-Peter-Lynch-Fair-Value 0.59
SIFI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. SIFI: 0.59 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SIFI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.59  Med: 4.16 Max: 7.67
Current: 0.59
0.59
7.67
Price-to-Graham-Number 0.87
SIFI's Price-to-Graham-Number is ranked lower than
99.99% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. SIFI: 0.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SIFI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.87  Med: 1.74 Max: 3.18
Current: 0.87
0.87
3.18
Earnings Yield (Greenblatt) % 5.03
SIFI's Earnings Yield (Greenblatt) % is ranked lower than
68% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.77 vs. SIFI: 5.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SIFI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 1.8 Max: 5.1
Current: 5.03
0.1
5.1
Forward Rate of Return (Yacktman) % 41.56
SIFI's Forward Rate of Return (Yacktman) % is ranked higher than
91% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.32 vs. SIFI: 41.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SIFI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -9.5  Med: 3.5 Max: 41.6
Current: 41.56
-9.5
41.6

More Statistics

Revenue (TTM) (Mil) $58.42
EPS (TTM) $ 0.95
Beta0.38
Short Percentage of Float0.38%
52-Week Range $12.30 - 16.23
Shares Outstanding (Mil)12.21
» More Articles for SIFI

Headlines

Articles On GuruFocus.com
SI Financial Group Inc. Reports Operating Results (10-Q) Nov 15 2010 
Weekly CFO Buys Highlight: Parkway Properties, IntriCon, SI Financial Grou, Ennis and Fair Isaac May 03 2009 
SI Financial Group Inc. (SIFI) CFO Brian J Hull buys 1,299 Shares Apr 27 2009 
SI Financial Group Inc. (SIFI) CFO Brian J Hull buys 1,000 Shares Mar 02 2009 

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SI Financial Group, Inc. Reports Results for the Three Months Ended March 31, 2016 Apr 27 2016

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