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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 0.35
SIFI's Cash to Debt is ranked lower than
75% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. SIFI: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
SIFI' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.23 Max: N/A
Current: 0.35
Equity to Asset 0.12
SIFI's Equity to Asset is ranked higher than
69% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. SIFI: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
SIFI' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.11 Max: 0.14
Current: 0.12
0.06
0.14
Interest Coverage 0.78
SIFI's Interest Coverage is ranked lower than
70% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. SIFI: 0.78 )
Ranked among companies with meaningful Interest Coverage only.
SIFI' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.26 Max: 0.78
Current: 0.78
0.02
0.78
F-Score: 5
WACC vs ROIC
4.52%
1.61%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.19
SIFI's Operating margin (%) is ranked lower than
82% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. SIFI: 13.19 )
Ranked among companies with meaningful Operating margin (%) only.
SIFI' s 10-Year Operating margin (%) Range
Min: -292.16  Med: 7.02 Max: 21.87
Current: 13.19
-292.16
21.87
Net-margin (%) 9.14
SIFI's Net-margin (%) is ranked lower than
84% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. SIFI: 9.14 )
Ranked among companies with meaningful Net-margin (%) only.
SIFI' s 10-Year Net-margin (%) Range
Min: -10.57  Med: 8.17 Max: 56.49
Current: 9.14
-10.57
56.49
ROE (%) 2.83
SIFI's ROE (%) is ranked lower than
83% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. SIFI: 2.83 )
Ranked among companies with meaningful ROE (%) only.
SIFI' s 10-Year ROE (%) Range
Min: -3.71  Med: 2.56 Max: 10.41
Current: 2.83
-3.71
10.41
ROA (%) 0.33
SIFI's ROA (%) is ranked lower than
79% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. SIFI: 0.33 )
Ranked among companies with meaningful ROA (%) only.
SIFI' s 10-Year ROA (%) Range
Min: -0.35  Med: 0.30 Max: 0.68
Current: 0.33
-0.35
0.68
ROC (Joel Greenblatt) (%) 29.98
SIFI's ROC (Joel Greenblatt) (%) is ranked lower than
74% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. SIFI: 29.98 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SIFI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -35.23  Med: 27.43 Max: 79.58
Current: 29.98
-35.23
79.58
Revenue Growth (3Y)(%) 2.20
SIFI's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. SIFI: 2.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SIFI' s 10-Year Revenue Growth (3Y)(%) Range
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
67% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. SIFI: 13.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SIFI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -11.20 Max: 16.3
Current: 13
0
16.3
EPS Growth (3Y)(%) 14.50
SIFI's EPS Growth (3Y)(%) is ranked higher than
63% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. SIFI: 14.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SIFI' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -4.00 Max: 40.1
Current: 14.5
0
40.1
» SIFI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

SIFI Guru Trades in Q4 2014

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

SIFI Guru Trades in Q1 2015

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

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Ratios

vs
industry
vs
history
P/E(ttm) 32.83
SIFI's P/E(ttm) is ranked lower than
89% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. SIFI: 32.83 )
Ranked among companies with meaningful P/E(ttm) only.
SIFI' s 10-Year P/E(ttm) Range
Min: 21.13  Med: 44.92 Max: 222.64
Current: 32.83
21.13
222.64
Forward P/E 17.79
SIFI's Forward P/E is ranked lower than
88% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. SIFI: 17.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 33.30
SIFI's PE(NRI) is ranked lower than
90% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. SIFI: 33.30 )
Ranked among companies with meaningful PE(NRI) only.
SIFI' s 10-Year PE(NRI) Range
Min: 21.34  Med: 44.23 Max: 236
Current: 33.3
21.34
236
P/B 0.92
SIFI's P/B is ranked higher than
65% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. SIFI: 0.92 )
Ranked among companies with meaningful P/B only.
SIFI' s 10-Year P/B Range
Min: 0.56  Med: 0.97 Max: 2.06
Current: 0.92
0.56
2.06
P/S 2.95
SIFI's P/S is ranked higher than
50% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. SIFI: 2.95 )
Ranked among companies with meaningful P/S only.
SIFI' s 10-Year P/S Range
Min: 0.24  Med: 3.02 Max: 5.39
Current: 2.95
0.24
5.39
PFCF 18.40
SIFI's PFCF is ranked lower than
71% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. SIFI: 18.40 )
Ranked among companies with meaningful PFCF only.
SIFI' s 10-Year PFCF Range
Min: 7.01  Med: 18.70 Max: 84.5
Current: 18.4
7.01
84.5
POCF 12.08
SIFI's POCF is ranked lower than
60% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. SIFI: 12.08 )
Ranked among companies with meaningful POCF only.
SIFI' s 10-Year POCF Range
Min: 4.07  Med: 12.33 Max: 42.85
Current: 12.08
4.07
42.85
EV-to-EBIT 38.38
SIFI's EV-to-EBIT is ranked lower than
87% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. SIFI: 38.38 )
Ranked among companies with meaningful EV-to-EBIT only.
SIFI' s 10-Year EV-to-EBIT Range
Min: -320.3  Med: 54.40 Max: 4937.1
Current: 38.38
-320.3
4937.1
PEG 9.51
SIFI's PEG is ranked lower than
95% of the 542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. SIFI: 9.51 )
Ranked among companies with meaningful PEG only.
SIFI' s 10-Year PEG Range
Min: 0  Med: 16.29 Max: 133.92
Current: 9.51
0
133.92
Shiller P/E 66.83
SIFI's Shiller P/E is ranked lower than
95% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. SIFI: 66.83 )
Ranked among companies with meaningful Shiller P/E only.
SIFI' s 10-Year Shiller P/E Range
Min: 40.64  Med: 93.42 Max: 236.8
Current: 66.83
40.64
236.8
Days Sales Outstanding 28.89
SIFI's Days Sales Outstanding is ranked higher than
60% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. SIFI: 28.89 )
Ranked among companies with meaningful Days Sales Outstanding only.
SIFI' s 10-Year Days Sales Outstanding Range
Min: 28.44  Med: 38.58 Max: 49.98
Current: 28.89
28.44
49.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.21
SIFI's Dividend Yield is ranked lower than
82% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. SIFI: 1.21 )
Ranked among companies with meaningful Dividend Yield only.
SIFI' s 10-Year Dividend Yield Range
Min: 0.24  Med: 1.09 Max: 3.45
Current: 1.21
0.24
3.45
Dividend Payout 0.36
SIFI's Dividend Payout is ranked lower than
54% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. SIFI: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
SIFI' s 10-Year Dividend Payout Range
Min: 0.27  Med: 0.44 Max: 4
Current: 0.36
0.27
4
Yield on cost (5-Year) 1.21
SIFI's Yield on cost (5-Year) is ranked lower than
82% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. SIFI: 1.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SIFI' s 10-Year Yield on cost (5-Year) Range
Min: 0.24  Med: 1.09 Max: 3.45
Current: 1.21
0.24
3.45
Share Buyback Rate -7.20
SIFI's Share Buyback Rate is ranked lower than
73% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. SIFI: -7.20 )
Ranked among companies with meaningful Share Buyback Rate only.
SIFI' s 10-Year Share Buyback Rate Range
Min: 0  Med: 3.40 Max: -7.2
Current: -7.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.05
SIFI's Price/Tangible Book is ranked higher than
60% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. SIFI: 1.05 )
Ranked among companies with meaningful Price/Tangible Book only.
SIFI' s 10-Year Price/Tangible Book Range
Min: 0.69  Med: 1.08 Max: 1.94
Current: 1.05
0.69
1.94
Price/Projected FCF 0.73
SIFI's Price/Projected FCF is ranked lower than
55% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. SIFI: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
SIFI' s 10-Year Price/Projected FCF Range
Min: 0.45  Med: 0.73 Max: 1.09
Current: 0.73
0.45
1.09
Price/Median PS Value 0.98
SIFI's Price/Median PS Value is ranked higher than
68% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. SIFI: 0.98 )
Ranked among companies with meaningful Price/Median PS Value only.
SIFI' s 10-Year Price/Median PS Value Range
Min: 0.09  Med: 1.00 Max: 1.78
Current: 0.98
0.09
1.78
Price/Graham Number 1.25
SIFI's Price/Graham Number is ranked lower than
79% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. SIFI: 1.25 )
Ranked among companies with meaningful Price/Graham Number only.
SIFI' s 10-Year Price/Graham Number Range
Min: 1.14  Med: 1.97 Max: 7.32
Current: 1.25
1.14
7.32
Earnings Yield (Greenblatt) (%) 2.60
SIFI's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. SIFI: 2.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SIFI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 1.50 Max: 2.6
Current: 2.6
0.1
2.6
Forward Rate of Return (Yacktman) (%) -3.08
SIFI's Forward Rate of Return (Yacktman) (%) is ranked lower than
79% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. SIFI: -3.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SIFI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -9.5  Med: 3.20 Max: 13.3
Current: -3.08
-9.5
13.3

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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