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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 0.05
SMMF's Cash to Debt is ranked lower than
97% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SMMF: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
SMMF' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.07 Max: N/A
Current: 0.05
Equity to Asset 0.10
SMMF's Equity to Asset is ranked lower than
51% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SMMF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SMMF' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.1
Current: 0.1
0.05
0.1
Interest Coverage 1.05
SMMF's Interest Coverage is ranked lower than
62% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SMMF: 1.05 )
Ranked among companies with meaningful Interest Coverage only.
SMMF' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.38 Max: 1.05
Current: 1.05
0.04
1.05
F-Score: 6
WACC vs ROIC
6.95%
4.04%
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 (%) 37.32
SMMF's Operating margin (%) is ranked higher than
67% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SMMF: 37.32 )
Ranked among companies with meaningful Operating margin (%) only.
SMMF' s 10-Year Operating margin (%) Range
Min: -573.04  Med: 22.60 Max: 41.9
Current: 37.32
-573.04
41.9
Net-margin (%) 26.14
SMMF's Net-margin (%) is ranked higher than
63% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SMMF: 26.14 )
Ranked among companies with meaningful Net-margin (%) only.
SMMF' s 10-Year Net-margin (%) Range
Min: -4.12  Med: 21.36 Max: 304.15
Current: 26.14
-4.12
304.15
ROE (%) 11.17
SMMF's ROE (%) is ranked higher than
67% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SMMF: 11.17 )
Ranked among companies with meaningful ROE (%) only.
SMMF' s 10-Year ROE (%) Range
Min: -2.52  Med: 8.72 Max: 17.26
Current: 11.17
-2.52
17.26
ROA (%) 1.02
SMMF's ROA (%) is ranked higher than
62% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SMMF: 1.02 )
Ranked among companies with meaningful ROA (%) only.
SMMF' s 10-Year ROA (%) Range
Min: -0.13  Med: 0.80 Max: 1.27
Current: 1.02
-0.13
1.27
Revenue Growth (3Y)(%) -4.00
SMMF's Revenue Growth (3Y)(%) is ranked lower than
76% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SMMF: -4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SMMF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 9.40 Max: 119.7
Current: -4
0
119.7
EBITDA Growth (3Y)(%) 3.40
SMMF's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SMMF: 3.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SMMF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.00 Max: 45.1
Current: 3.4
0
45.1
EPS Growth (3Y)(%) 35.30
SMMF's EPS Growth (3Y)(%) is ranked higher than
86% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. SMMF: 35.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SMMF' s 10-Year EPS Growth (3Y)(%) Range
Min: -35  Med: 12.40 Max: 36.1
Current: 35.3
-35
36.1
» SMMF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

SMMF Guru Trades in Q3 2014

Jim Simons 18,100 sh (+19.08%)
Arnold Schneider 20,300 sh (unchged)
» More
Q4 2014

SMMF Guru Trades in Q4 2014

Jim Simons 24,600 sh (+35.91%)
Arnold Schneider 20,300 sh (unchged)
» More
Q1 2015

SMMF Guru Trades in Q1 2015

Jim Simons 27,700 sh (+12.60%)
Arnold Schneider 15,200 sh (-25.12%)
» More
Q2 2015

SMMF Guru Trades in Q2 2015

Jim Simons 35,535 sh (+28.29%)
Arnold Schneider 14,275 sh (-6.09%)
» More
» Details

Insider Trades

Latest Guru Trades with SMMF

(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) 8.10
SMMF's P/E(ttm) is ranked higher than
80% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SMMF: 8.10 )
Ranked among companies with meaningful P/E(ttm) only.
SMMF' s 10-Year P/E(ttm) Range
Min: 5.58  Med: 12.96 Max: 303.21
Current: 8.1
5.58
303.21
Forward P/E 9.05
SMMF's Forward P/E is ranked higher than
75% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. SMMF: 9.05 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.20
SMMF's PE(NRI) is ranked higher than
80% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SMMF: 8.20 )
Ranked among companies with meaningful PE(NRI) only.
SMMF' s 10-Year PE(NRI) Range
Min: 5.64  Med: 12.56 Max: 283
Current: 8.2
5.64
283
P/B 0.88
SMMF's P/B is ranked higher than
66% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SMMF: 0.88 )
Ranked among companies with meaningful P/B only.
SMMF' s 10-Year P/B Range
Min: 0.19  Med: 0.74 Max: 3.93
Current: 0.88
0.19
3.93
P/S 2.09
SMMF's P/S is ranked higher than
69% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SMMF: 2.09 )
Ranked among companies with meaningful P/S only.
SMMF' s 10-Year P/S Range
Min: 0.32  Med: 1.83 Max: 8.2
Current: 2.09
0.32
8.2
PFCF 4.74
SMMF's PFCF is ranked higher than
71% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SMMF: 4.74 )
Ranked among companies with meaningful PFCF only.
SMMF' s 10-Year PFCF Range
Min: 0.71  Med: 3.65 Max: 124.14
Current: 4.74
0.71
124.14
POCF 4.54
SMMF's POCF is ranked higher than
70% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. SMMF: 4.54 )
Ranked among companies with meaningful POCF only.
SMMF' s 10-Year POCF Range
Min: 0.7  Med: 3.57 Max: 100
Current: 4.54
0.7
100
EV-to-EBIT 18.32
SMMF's EV-to-EBIT is ranked lower than
67% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SMMF: 18.32 )
Ranked among companies with meaningful EV-to-EBIT only.
SMMF' s 10-Year EV-to-EBIT Range
Min: -557.2  Med: 28.60 Max: 561.8
Current: 18.32
-557.2
561.8
Shiller P/E 19.12
SMMF's Shiller P/E is ranked lower than
65% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. SMMF: 19.12 )
Ranked among companies with meaningful Shiller P/E only.
SMMF' s 10-Year Shiller P/E Range
Min: 3.13  Med: 14.79 Max: 52.78
Current: 19.12
3.13
52.78
Days Sales Outstanding 35.21
SMMF's Days Sales Outstanding is ranked lower than
52% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. SMMF: 35.21 )
Ranked among companies with meaningful Days Sales Outstanding only.
SMMF' s 10-Year Days Sales Outstanding Range
Min: 38.93  Med: 56.11 Max: 827.56
Current: 35.21
38.93
827.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.38
SMMF's Dividend Yield is ranked lower than
80% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SMMF: 1.38 )
Ranked among companies with meaningful Dividend Yield only.
SMMF' s 10-Year Dividend Yield Range
Min: 0.64  Med: 1.58 Max: 6.55
Current: 1.38
0.64
6.55
Dividend Payout 0.11
SMMF's Dividend Payout is ranked higher than
91% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SMMF: 0.11 )
Ranked among companies with meaningful Dividend Payout only.
SMMF' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.38 Max: 5.52
Current: 0.11
0.1
5.52
Yield on cost (5-Year) 1.37
SMMF's Yield on cost (5-Year) is ranked lower than
82% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SMMF: 1.37 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SMMF' s 10-Year Yield on cost (5-Year) Range
Min: 0.64  Med: 1.59 Max: 6.55
Current: 1.37
0.64
6.55
Share Buyback Rate -5.20
SMMF's Share Buyback Rate is ranked lower than
65% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SMMF: -5.20 )
Ranked among companies with meaningful Share Buyback Rate only.
SMMF' s 10-Year Share Buyback Rate Range
Min: 0.6  Med: -1.10 Max: -33.4
Current: -5.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
SMMF's Price/Tangible Book is ranked higher than
65% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SMMF: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
SMMF' s 10-Year Price/Tangible Book Range
Min: 0.24  Med: 0.97 Max: 3.57
Current: 0.93
0.24
3.57
Price/Projected FCF 0.38
SMMF's Price/Projected FCF is ranked higher than
79% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SMMF: 0.38 )
Ranked among companies with meaningful Price/Projected FCF only.
SMMF' s 10-Year Price/Projected FCF Range
Min: 0.09  Med: 0.35 Max: 2.81
Current: 0.38
0.09
2.81
Price/Median PS Value 1.14
SMMF's Price/Median PS Value is ranked lower than
64% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SMMF: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
SMMF' s 10-Year Price/Median PS Value Range
Min: 0.19  Med: 1.17 Max: 4.64
Current: 1.14
0.19
4.64
Price/Graham Number 0.58
SMMF's Price/Graham Number is ranked higher than
76% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SMMF: 0.58 )
Ranked among companies with meaningful Price/Graham Number only.
SMMF' s 10-Year Price/Graham Number Range
Min: 0.22  Med: 0.75 Max: 2.92
Current: 0.58
0.22
2.92
Earnings Yield (Greenblatt) (%) 5.50
SMMF's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SMMF: 5.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SMMF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 3.10 Max: 5.6
Current: 5.5
0.2
5.6
Forward Rate of Return (Yacktman) (%) -9.39
SMMF's Forward Rate of Return (Yacktman) (%) is ranked lower than
86% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. SMMF: -9.39 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SMMF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.4  Med: 28.80 Max: 95.3
Current: -9.39
-3.4
95.3

Analyst Estimate

Dec15
EPS($) 1.17
EPS without NRI($) 1.17

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Summit Financial Group Inc was incorporated in the State of West Virginia in 1987. The Company offers community banking services mainly in the Eastern Panhandle and South Central regions of West Virginia and the Northern region of Virginia. It provides these services through its community bank subsidiary; Summit Community Bank. It also operates Summit Insurance Services, LLC in Moorefield, West Virginia and Leesburg, Virginia. It provides community banking services, including demand, savings and time deposits; commercial, real estate and consumer loans; letters of credit; and cash management services. The deposits of Summit Community are insured by the Federal Deposit Insurance Corporation. Its primary lending focus is providing commercial loans to local businesses and providing owner-occupied real estate loans to individuals. The Company segments its loan portfolio into the following lending categories: commercial, commercial real estate, construction and development, residential real estate, and consumer. Commercial loans are loans made to commercial borrowers that are not secured by real estate. These encompass loans secured by accounts receivable, inventory, equipment, as well as unsecured loans. Commercial real estate loans consist of commercial mortgages, which generally are secured by nonresidential and multi-family residential properties. Commercial real estate loans are made to many of the same customers and carry similar industry risks as the commercial loan portfolio. Construction and development loans are made for the purpose of financing construction or development projects. This portfolio includes commercial and residential land development loans, one-to-four family housing construction both pre-sold and speculative in nature, multi-family housing construction, non-residential building construction, and undeveloped land. Residential real estate loans are mortgage loans to consumers and are secured mainly by a first lien deed of trust. These loans are traditional one-to-four family residential mortgages. Also included in this category of loans are second liens on one-to-four family properties as well as home equity loans. Consumer loans are loans that establish consumer credit that is granted for the consumer's personal use. These loans include automobile loans, recreational vehicle loans, as well as personal secured and unsecured loans. The Company as a financial holding company is subject to the restrictions of the Bank Holding Company Act of 1956, as amended and are registered pursuant to its provisions.
» More Articles for SMMF

Headlines

Articles On GuruFocus.com
comment on SMMF Apr 03 2012 
Summit Financial Group Inc. (SMMF) CFO Robert S Tissue buys 1,000 Shares Aug 16 2010 
Summit Financial Group Inc. (SMMF) CFO Robert S Tissue buys 1,000 Shares Aug 13 2010 
Summit Financial Group Inc. (SMMF) CFO Robert S Tissue buys 1,000 Shares Aug 12 2010 
Summit Financial Group Inc. (SMMF) CFO Robert S Tissue buys 1,000 Shares Jun 09 2009 
Summit Financial Group Inc. (SMMF) CFO Robert S Tissue buys 1,000 Shares Jun 05 2009 
Summit Financial Group Inc. (SMMF) CEO H Charles Iii Maddy buys 1,000 Shares Jun 05 2009 
Summit Financial Group Inc. (SMMF) Vice-Chairman George R Jr Ours buys 4,500 Shares Jun 05 2009 
Greater Atlantic Financial Corp. Announces Mutual Termination of Merger Agreement with Summit Financ Dec 16 2008 

More From Other Websites
Summit Financial Group, Inc. (West Virginia) Earnings Q2, 2015 Aug 28 2015
Summit Financial Group, Inc. Announces Q3 2015 Dividend of $0.08 Per Share Aug 24 2015
SUMMIT FINANCIAL GROUP INC Financials Aug 20 2015
10-Q for Summit Financial Group, Inc. (West Virginia) Aug 10 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Other Events Aug 04 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 27 2015
Summit Financial posts 2Q profit Jul 27 2015
Summit Financial posts 2Q profit Jul 27 2015
Summit Financial Group Reports Second Quarter and First Half 2015 Results Jul 27 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Other Events Jun 02 2015
Summit Financial Group, Inc. Announces Completion of Rights Offering of Common Stock Jun 01 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 22 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition, Change... Apr 29 2015
Summit Financial posts 1Q profit Apr 27 2015
Summit Financial posts 1Q profit Apr 27 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Other Events Mar 31 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Unregistered Sale of Equity Securities, Regulation FD... Mar 18 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 02 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 10-K, Annual Report Mar 02 2015
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 23 2015

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