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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 0.21
SIFI's Cash to Debt is ranked higher than
56% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. SIFI: 0.21 )
SIFI' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.21

Equity to Asset 0.12
SIFI's Equity to Asset is ranked higher than
83% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. SIFI: 0.12 )
SIFI' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.12

0.06
0.14
F-Score: 6
Z-Score: 0.18
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 (%) 11.92
SIFI's Operating margin (%) is ranked higher than
54% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. SIFI: 11.92 )
SIFI' s 10-Year Operating margin (%) Range
Min: -292.16   Max: 21.87
Current: 11.92

-292.16
21.87
Net-margin (%) 8.15
SIFI's Net-margin (%) is ranked higher than
54% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. SIFI: 8.15 )
SIFI' s 10-Year Net-margin (%) Range
Min: -10.57   Max: 56.49
Current: 8.15

-10.57
56.49
ROE (%) 2.62
SIFI's ROE (%) is ranked higher than
54% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. SIFI: 2.62 )
SIFI' s 10-Year ROE (%) Range
Min: -3.71   Max: 10.41
Current: 2.62

-3.71
10.41
ROA (%) 0.30
SIFI's ROA (%) is ranked higher than
56% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SIFI: 0.30 )
SIFI' s 10-Year ROA (%) Range
Min: -0.35   Max: 0.68
Current: 0.3

-0.35
0.68
ROC (Joel Greenblatt) (%) 28.05
SIFI's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. SIFI: 28.05 )
SIFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -35.23   Max: 79.58
Current: 28.05

-35.23
79.58
Revenue Growth (%) 0.80
SIFI's Revenue Growth (%) is ranked higher than
74% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. SIFI: 0.80 )
SIFI' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 16.5
Current: 0.8

0
16.5
EBITDA Growth (%) -41.80
SIFI's EBITDA Growth (%) is ranked higher than
53% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. SIFI: -41.80 )
SIFI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 16.3
Current: -41.8

0
16.3
» SIFI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

SIFI Guru Trades in Q4 2013

Michael Price 52,152 sh (New)
John Keeley 21,500 sh (unchged)
Jim Simons 61,100 sh (-9.65%)
» More
Q1 2014

SIFI Guru Trades in Q1 2014

Michael Price 178,500 sh (+242.27%)
John Keeley 21,500 sh (unchged)
Jim Simons 60,648 sh (-0.74%)
» More
Q2 2014

SIFI Guru Trades in Q2 2014

Jim Simons 64,944 sh (+7.08%)
Michael Price 186,100 sh (+4.26%)
John Keeley 21,500 sh (unchged)
» More
Q3 2014

SIFI Guru Trades in Q3 2014

Michael Price 222,125 sh (+19.36%)
Jim Simons 71,800 sh (+10.56%)
John Keeley 21,500 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-03-31 Add 242.27%0.18%$11.36 - $12.1 $ 11.35-3%178500
Michael Price 2013-12-31 New Buy0.08%$11.26 - $12.04 $ 11.35-2%52152
John Keeley 2013-09-30 Add 24.67%$10.96 - $11.9 $ 11.350%21500
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 35.00
SIFI's P/E(ttm) is ranked higher than
66% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. SIFI: 35.00 )
SIFI' s 10-Year P/E(ttm) Range
Min: 21.13   Max: 222.64
Current: 35

21.13
222.64
P/B 0.90
SIFI's P/B is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. SIFI: 0.90 )
SIFI' s 10-Year P/B Range
Min: 0.56   Max: 2.06
Current: 0.9

0.56
2.06
P/S 2.80
SIFI's P/S is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. SIFI: 2.80 )
SIFI' s 10-Year P/S Range
Min: 0.24   Max: 5.39
Current: 2.8

0.24
5.39
PFCF 9.90
SIFI's PFCF is ranked higher than
86% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SIFI: 9.90 )
SIFI' s 10-Year PFCF Range
Min: 7.01   Max: 84.5
Current: 9.9

7.01
84.5
EV-to-EBIT 46.07
SIFI's EV-to-EBIT is ranked higher than
61% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. SIFI: 46.07 )
SIFI' s 10-Year EV-to-EBIT Range
Min: -322.3   Max: 4937.1
Current: 46.07

-322.3
4937.1
Shiller P/E 68.50
SIFI's Shiller P/E is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. SIFI: 68.50 )
SIFI' s 10-Year Shiller P/E Range
Min: 40.64   Max: 236.8
Current: 68.5

40.64
236.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
SIFI's Dividend Yield is ranked lower than
81% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. SIFI: 1.10 )
SIFI' s 10-Year Dividend Yield Range
Min: 0.24   Max: 3.45
Current: 1.1

0.24
3.45
Dividend Payout 0.37
SIFI's Dividend Payout is ranked higher than
73% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. SIFI: 0.37 )
SIFI' s 10-Year Dividend Payout Range
Min: 0.3   Max: 4
Current: 0.37

0.3
4
Dividend growth (3y) 10.10
SIFI's Dividend growth (3y) is ranked higher than
83% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. SIFI: 10.10 )
SIFI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 10.1
Current: 10.1

0
10.1
Yield on cost (5-Year) 1.10
SIFI's Yield on cost (5-Year) is ranked lower than
78% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. SIFI: 1.10 )
SIFI' s 10-Year Yield on cost (5-Year) Range
Min: 0.24   Max: 3.45
Current: 1.1

0.24
3.45
Share Buyback Rate -0.40
SIFI's Share Buyback Rate is ranked higher than
82% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. SIFI: -0.40 )
SIFI' s 10-Year Share Buyback Rate Range
Min: 0   Max: -2.7
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.05
SIFI's Price/Tangible Book is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. SIFI: 1.05 )
SIFI' s 10-Year Price/Tangible Book Range
Min: 0.69   Max: 1.94
Current: 1.05

0.69
1.94
Price/DCF (Projected) 0.73
SIFI's Price/DCF (Projected) is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. SIFI: 0.73 )
SIFI' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 1.09
Current: 0.73

0.52
1.09
Price/Median PS Value 0.92
SIFI's Price/Median PS Value is ranked higher than
90% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. SIFI: 0.92 )
SIFI' s 10-Year Price/Median PS Value Range
Min: 0.09   Max: 1.78
Current: 0.92

0.09
1.78
Price/Graham Number 1.29
SIFI's Price/Graham Number is ranked higher than
70% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. SIFI: 1.29 )
SIFI' s 10-Year Price/Graham Number Range
Min: 1.14   Max: 7.32
Current: 1.29

1.14
7.32
Earnings Yield (Greenblatt) 2.20
SIFI's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. SIFI: 2.20 )
SIFI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 2.6
Current: 2.2

0.1
2.6
Forward Rate of Return (Yacktman) -7.98
SIFI's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. SIFI: -7.98 )
SIFI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.5   Max: 13.3
Current: -7.98

-9.5
13.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » 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. 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 primary lending area is eastern Connecticut and Rhode Island and most of the Bank's deposit customers reside in the areas surrounding the Bank's branch offices. The Bank's loan portfolio consists primarily 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 major 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 significantly 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 significant competition for the attraction of deposits and origination of loans. The most direct competition for deposits has historically 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 sec

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