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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 0.31
SIFI's Cash to Debt is ranked lower than
78% of the 1188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. SIFI: 0.31 )
Ranked among companies with meaningful Cash to Debt only.
SIFI' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.21 Max: N/A
Current: 0.31
Equity to Asset 0.10
SIFI's Equity to Asset is ranked higher than
50% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. SIFI: 0.10 )
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: 0.1
0.06
0.14
Interest Coverage 0.79
SIFI's Interest Coverage is ranked lower than
70% of the 1565 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. SIFI: 0.79 )
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: 0.79
0.02
0.78
F-Score: 6
M-Score: -2.53
WACC vs ROIC
3.53%
1.56%
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 (%) 14.58
SIFI's Operating margin (%) is ranked lower than
83% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.14 vs. SIFI: 14.58 )
Ranked among companies with meaningful Operating margin (%) only.
SIFI' s Operating margin (%) Range Over the Past 10 Years
Min: -15.54  Med: 7.71 Max: 13.02
Current: 14.58
-15.54
13.02
Net-margin (%) 9.81
SIFI's Net-margin (%) is ranked lower than
85% of the 1694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.52 vs. SIFI: 9.81 )
Ranked among companies with meaningful Net-margin (%) only.
SIFI' s Net-margin (%) Range Over the Past 10 Years
Min: -10.55  Med: 5.50 Max: 9.03
Current: 9.81
-10.55
9.03
ROE (%) 3.20
SIFI's ROE (%) is ranked lower than
84% of the 1689 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.37 vs. SIFI: 3.20 )
Ranked among companies with meaningful ROE (%) only.
SIFI' s ROE (%) Range Over the Past 10 Years
Min: -3.71  Med: 2.00 Max: 3.79
Current: 3.2
-3.71
3.79
ROA (%) 0.34
SIFI's ROA (%) is ranked lower than
81% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. SIFI: 0.34 )
Ranked among companies with meaningful ROA (%) only.
SIFI' s ROA (%) Range Over the Past 10 Years
Min: -0.35  Med: 0.22 Max: 0.38
Current: 0.34
-0.35
0.38
Revenue Growth (3Y)(%) 4.90
SIFI's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. SIFI: 4.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SIFI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.90 Max: 16.1
Current: 4.9
0
16.1
EBITDA Growth (3Y)(%) 34.90
SIFI's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. SIFI: 34.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SIFI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.40 Max: 34.9
Current: 34.9
0
34.9
EPS Growth (3Y)(%) 46.60
SIFI's EPS Growth (3Y)(%) is ranked higher than
91% of the 1270 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. SIFI: 46.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SIFI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.60 Max: 46.6
Current: 46.6
0
46.6
» SIFI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


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

» Details

Guru Trades

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
Q4 2015

SIFI Guru Trades in Q4 2015

Jim Simons 171,279 sh (+11.58%)
Michael Price 225,419 sh (unchged)
John Keeley 18,000 sh (unchged)
» More
Q1 2016

SIFI Guru Trades in Q1 2016

Jim Simons 198,615 sh (+15.96%)
John Keeley 18,052 sh (+0.29%)
Michael Price 120,000 sh (-46.77%)
» 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
Compare:NAS:HMST, NAS:ABCW, NAS:OCFC, NAS:WSBF, NAS:CASH, NZSE:HBL » 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
P/E(ttm) 34.02
SIFI's P/E(ttm) is ranked lower than
90% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.48 vs. SIFI: 34.02 )
Ranked among companies with meaningful P/E(ttm) only.
SIFI' s P/E(ttm) Range Over the Past 10 Years
Min: 21.13  Med: 42.72 Max: 222.64
Current: 34.02
21.13
222.64
PE(NRI) 34.02
SIFI's PE(NRI) is ranked lower than
91% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. SIFI: 34.02 )
Ranked among companies with meaningful PE(NRI) only.
SIFI' s PE(NRI) Range Over the Past 10 Years
Min: 21.34  Med: 42.24 Max: 236
Current: 34.02
21.34
236
Price/Owner Earnings (ttm) 15.85
SIFI's Price/Owner Earnings (ttm) is ranked lower than
69% of the 871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.93 vs. SIFI: 15.85 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SIFI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 11.76  Med: 23.41 Max: 194.19
Current: 15.85
11.76
194.19
P/B 1.09
SIFI's P/B is ranked lower than
55% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. SIFI: 1.09 )
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: 1.09
0.56
2.06
P/S 3.30
SIFI's P/S is ranked lower than
58% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. SIFI: 3.30 )
Ranked among companies with meaningful P/S only.
SIFI' s P/S Range Over the Past 10 Years
Min: 0.25  Med: 3.05 Max: 5.4
Current: 3.3
0.25
5.4
PFCF 10.77
SIFI's PFCF is ranked lower than
54% of the 907 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.99 vs. SIFI: 10.77 )
Ranked among companies with meaningful PFCF only.
SIFI' s PFCF Range Over the Past 10 Years
Min: 6.79  Med: 17.33 Max: 82.73
Current: 10.77
6.79
82.73
POCF 9.83
SIFI's POCF is ranked lower than
59% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.81 vs. SIFI: 9.83 )
Ranked among companies with meaningful POCF only.
SIFI' s POCF Range Over the Past 10 Years
Min: 4.29  Med: 12.06 Max: 44.92
Current: 9.83
4.29
44.92
EV-to-EBIT 44.33
SIFI's EV-to-EBIT is ranked lower than
91% of the 1568 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. SIFI: 44.33 )
Ranked among companies with meaningful EV-to-EBIT only.
SIFI' s EV-to-EBIT Range Over the Past 10 Years
Min: -296.8  Med: 53.40 Max: 4937.1
Current: 44.33
-296.8
4937.1
EV-to-EBITDA 30.94
SIFI's EV-to-EBITDA is ranked lower than
88% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.75 vs. SIFI: 30.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -122.7  Med: 35.50 Max: 619.2
Current: 30.94
-122.7
619.2
PEG 5.67
SIFI's PEG is ranked lower than
88% of the 746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. SIFI: 5.67 )
Ranked among companies with meaningful PEG only.
SIFI' s PEG Range Over the Past 10 Years
Min: 2.98  Med: 7.72 Max: 649
Current: 5.67
2.98
649
Shiller P/E 89.03
SIFI's Shiller P/E is ranked lower than
96% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.88 vs. SIFI: 89.03 )
Ranked among companies with meaningful Shiller P/E only.
SIFI' s Shiller P/E Range Over the Past 10 Years
Min: 72  Med: 79.00 Max: 94.07
Current: 89.03
72
94.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.15
SIFI's Dividend Yield is ranked lower than
88% of the 2261 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.05 vs. SIFI: 1.15 )
Ranked among companies with meaningful Dividend Yield only.
SIFI' s Dividend Yield Range Over the Past 10 Years
Min: 0.24  Med: 1.13 Max: 3.45
Current: 1.15
0.24
3.45
Dividend Payout 0.38
SIFI's Dividend Payout is ranked lower than
57% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. SIFI: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
SIFI' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.43 Max: 4
Current: 0.38
0.27
4
Dividend Growth (3y) 10.10
SIFI's Dividend Growth (3y) is ranked higher than
57% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. SIFI: 10.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SIFI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -100.00 Max: 10.1
Current: 10.1
0
10.1
Forward Dividend Yield 1.15
SIFI's Forward Dividend Yield is ranked lower than
90% of the 2133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. SIFI: 1.15 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.74
SIFI's Yield on cost (5-Year) is ranked lower than
77% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.53 vs. SIFI: 1.74 )
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: 0.36  Med: 1.71 Max: 5.21
Current: 1.74
0.36
5.21
3-Year Average Share Buyback Ratio -6.50
SIFI's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. SIFI: -6.50 )
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: 1.70 Max: 0
Current: -6.5
-6.5
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
SIFI's Price/Tangible Book is ranked lower than
58% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. SIFI: 1.23 )
Ranked among companies with meaningful Price/Tangible Book only.
SIFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.69  Med: 1.08 Max: 1.93
Current: 1.23
0.69
1.93
Price/Projected FCF 0.73
SIFI's Price/Projected FCF is ranked lower than
60% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. SIFI: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
SIFI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.54  Med: 0.73 Max: 1.22
Current: 0.73
0.54
1.22
Price/Median PS Value 1.08
SIFI's Price/Median PS Value is ranked lower than
61% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. SIFI: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
SIFI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.08  Med: 0.99 Max: 1.77
Current: 1.08
0.08
1.77
Price/Peter Lynch Fair Value 3.00
SIFI's Price/Peter Lynch Fair Value is ranked lower than
96% of the 441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. SIFI: 3.00 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SIFI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 3  Med: 4.97 Max: 10.28
Current: 3
3
10.28
Price/Graham Number 1.36
SIFI's Price/Graham Number is ranked lower than
85% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. SIFI: 1.36 )
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: 1.36
1.1
3.33
Earnings Yield (Greenblatt) (%) 2.29
SIFI's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.12 vs. SIFI: 2.29 )
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: 2.29
0.1
2.6
Forward Rate of Return (Yacktman) (%) 18.81
SIFI's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. SIFI: 18.81 )
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: 3.40 Max: 18.9
Current: 18.81
-9.5
18.9

More Statistics

Revenue (TTM) (Mil) $50.66
EPS (TTM) $ 0.41
Beta0.30
Short Percentage of Float0.05%
52-Week Range $11.25 - 14.47
Shares Outstanding (Mil)12.22
» 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. Earnings Analysis: 2015 By the Numbers Mar 01 2016
SI Financial posts 4Q profit Feb 24 2016
SI Financial posts 4Q profit Feb 24 2016
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SI Financial Group, Inc. Announces Cash Dividend Jan 28 2016
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SI Financial posts 3Q profit Oct 28 2015
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SI Financial posts 2Q profit Jul 22 2015
Continue Reading Jul 22 2015

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