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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.16
SIFI's Cash to Debt is ranked lower than
86% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. SIFI: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
SIFI' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.23 Max: N/A
Current: 0.16
Equity to Asset 0.11
SIFI's Equity to Asset is ranked higher than
61% of the 1578 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: 0.06  Med: 0.11 Max: 0.14
Current: 0.11
0.06
0.14
Interest Coverage 0.73
SIFI's Interest Coverage is ranked lower than
72% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. SIFI: 0.73 )
Ranked among companies with meaningful Interest Coverage only.
SIFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.26 Max: 0.78
Current: 0.73
0.02
0.78
F-Score: 6
WACC vs ROIC
3.98%
1.45%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.73
SIFI's Operating margin (%) is ranked lower than
84% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. SIFI: 12.73 )
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: 18.11
Current: 12.73
-15.58
18.11
Net-margin (%) 8.73
SIFI's Net-margin (%) is ranked lower than
87% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. SIFI: 8.73 )
Ranked among companies with meaningful Net-margin (%) only.
SIFI' s Net-margin (%) Range Over the Past 10 Years
Min: -10.57  Med: 5.50 Max: 12.1
Current: 8.73
-10.57
12.1
ROE (%) 2.75
SIFI's ROE (%) is ranked lower than
85% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. SIFI: 2.75 )
Ranked among companies with meaningful ROE (%) only.
SIFI' s ROE (%) Range Over the Past 10 Years
Min: -3.71  Med: 2.00 Max: 4.22
Current: 2.75
-3.71
4.22
ROA (%) 0.31
SIFI's ROA (%) is ranked lower than
82% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. SIFI: 0.31 )
Ranked among companies with meaningful ROA (%) only.
SIFI' s ROA (%) Range Over the Past 10 Years
Min: -0.35  Med: 0.22 Max: 0.52
Current: 0.31
-0.35
0.52
Revenue Growth (3Y)(%) 2.20
SIFI's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. SIFI: 2.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SIFI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 3.95 Max: 16.5
Current: 2.2
0
16.5
EBITDA Growth (3Y)(%) 13.00
SIFI's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. SIFI: 13.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SIFI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -11.20 Max: 16.3
Current: 13
0
16.3
EPS Growth (3Y)(%) 14.00
SIFI's EPS Growth (3Y)(%) is ranked higher than
65% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. SIFI: 14.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SIFI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.00 Max: 44.6
Current: 14
0
44.6
» SIFI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

SIFI Guru Trades in Q4 2014

Jim Simons 74,800 sh (+4.18%)
Michael Price 222,125 sh (unchged)
John Keeley 21,500 sh (unchged)
» More
Q1 2015

SIFI Guru Trades in Q1 2015

Jim Simons 87,800 sh (+17.38%)
Michael Price 222,125 sh (unchged)
John Keeley 21,500 sh (unchged)
» More
Q2 2015

SIFI Guru Trades in Q2 2015

Jim Simons 106,199 sh (+20.96%)
Michael Price 225,419 sh (+1.48%)
John Keeley 21,500 sh (unchged)
» More
Q3 2015

SIFI Guru Trades in Q3 2015

Jim Simons 153,500 sh (+44.54%)
Michael Price 225,419 sh (unchged)
John Keeley 18,000 sh (-16.28%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 39.61
SIFI's P/E(ttm) is ranked lower than
94% of the 2140 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.49 vs. SIFI: 39.61 )
Ranked among companies with meaningful P/E(ttm) only.
SIFI' s P/E(ttm) Range Over the Past 10 Years
Min: 21.13  Med: 43.83 Max: 222.64
Current: 39.61
21.13
222.64
Forward P/E 17.79
SIFI's Forward P/E is ranked lower than
95% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.35 vs. SIFI: 17.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 39.88
SIFI's PE(NRI) is ranked lower than
93% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.35 vs. SIFI: 39.88 )
Ranked among companies with meaningful PE(NRI) only.
SIFI' s PE(NRI) Range Over the Past 10 Years
Min: 21.34  Med: 43.13 Max: 236
Current: 39.88
21.34
236
P/B 1.07
SIFI's P/B is ranked lower than
59% of the 2196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SIFI: 1.07 )
Ranked among companies with meaningful P/B only.
SIFI' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 0.96 Max: 2.06
Current: 1.07
0.56
2.06
P/S 3.36
SIFI's P/S is ranked lower than
68% of the 2510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. SIFI: 3.36 )
Ranked among companies with meaningful P/S only.
SIFI' s P/S Range Over the Past 10 Years
Min: 0.24  Med: 3.03 Max: 5.39
Current: 3.36
0.24
5.39
PFCF 12.78
SIFI's PFCF is ranked lower than
71% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. SIFI: 12.78 )
Ranked among companies with meaningful PFCF only.
SIFI' s PFCF Range Over the Past 10 Years
Min: 7.01  Med: 17.79 Max: 84.5
Current: 12.78
7.01
84.5
POCF 10.27
SIFI's POCF is ranked lower than
68% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.29 vs. SIFI: 10.27 )
Ranked among companies with meaningful POCF only.
SIFI' s POCF Range Over the Past 10 Years
Min: 4.07  Med: 12.07 Max: 42.85
Current: 10.27
4.07
42.85
EV-to-EBIT 57.87
SIFI's EV-to-EBIT is ranked lower than
94% of the 2085 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.39 vs. SIFI: 57.87 )
Ranked among companies with meaningful EV-to-EBIT only.
SIFI' s EV-to-EBIT Range Over the Past 10 Years
Min: -320.3  Med: 53.90 Max: 4937.1
Current: 57.87
-320.3
4937.1
EV-to-EBITDA 37.83
SIFI's EV-to-EBITDA is ranked lower than
91% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.12 vs. SIFI: 37.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -122.7  Med: 35.80 Max: 619.2
Current: 37.83
-122.7
619.2
PEG 11.69
SIFI's PEG is ranked lower than
97% of the 621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. SIFI: 11.69 )
Ranked among companies with meaningful PEG only.
SIFI' s PEG Range Over the Past 10 Years
Min: 0  Med: 16.29 Max: 133.92
Current: 11.69
0
133.92
Shiller P/E 92.25
SIFI's Shiller P/E is ranked lower than
96% of the 678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.43 vs. SIFI: 92.25 )
Ranked among companies with meaningful Shiller P/E only.
SIFI' s Shiller P/E Range Over the Past 10 Years
Min: 72  Med: 78.00 Max: 94.15
Current: 92.25
72
94.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.19
SIFI's Dividend Yield is ranked lower than
86% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. SIFI: 1.19 )
Ranked among companies with meaningful Dividend Yield only.
SIFI' s Dividend Yield Range Over the Past 10 Years
Min: 0.24  Med: 1.11 Max: 3.45
Current: 1.19
0.24
3.45
Dividend Payout 0.42
SIFI's Dividend Payout is ranked lower than
63% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. SIFI: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
SIFI' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.47 Max: 4
Current: 0.42
0.27
4
Forward Dividend Yield 1.16
SIFI's Forward Dividend Yield is ranked lower than
90% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. SIFI: 1.16 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.19
SIFI's Yield on cost (5-Year) is ranked lower than
86% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. SIFI: 1.19 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SIFI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.24  Med: 1.11 Max: 3.45
Current: 1.19
0.24
3.45
3-Year Average Share Buyback Ratio -7.20
SIFI's 3-Year Average Share Buyback Ratio is ranked lower than
72% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. SIFI: -7.20 )
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: -7.2  Med: 3.40 Max: 0
Current: -7.2
-7.2
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
SIFI's Price/Tangible Book is ranked lower than
60% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. SIFI: 1.22 )
Ranked among companies with meaningful Price/Tangible Book only.
SIFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.69  Med: 1.07 Max: 1.94
Current: 1.22
0.69
1.94
Price/Projected FCF 0.78
SIFI's Price/Projected FCF is ranked lower than
66% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.64 vs. SIFI: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
SIFI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.73 Max: 1.09
Current: 0.78
0.52
1.09
Price/Median PS Value 1.11
SIFI's Price/Median PS Value is ranked lower than
73% of the 2093 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. SIFI: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
SIFI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.09  Med: 0.99 Max: 1.78
Current: 1.11
0.09
1.78
Price/Graham Number 1.47
SIFI's Price/Graham Number is ranked lower than
88% of the 2050 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. SIFI: 1.47 )
Ranked among companies with meaningful Price/Graham Number only.
SIFI' s Price/Graham Number Range Over the Past 10 Years
Min: 1.1  Med: 1.74 Max: 3.33
Current: 1.47
1.1
3.33
Earnings Yield (Greenblatt) (%) 1.70
SIFI's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. SIFI: 1.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SIFI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 1.80 Max: 2.6
Current: 1.7
0.1
2.6
Forward Rate of Return (Yacktman) (%) 4.49
SIFI's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. SIFI: 4.49 )
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: 3.20 Max: 13.3
Current: 4.49
-9.5
13.3

More Statistics

Revenue(Mil) $49
EPS $ 0.34
Beta0.30
Short Percentage of Float0.13%
52-Week Range $11.00 - 14.47
Shares Outstanding(Mil)12.22

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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.

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