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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 0.07
SMMF's Cash to Debt is ranked lower than
95% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. SMMF: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
SMMF' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.08 Max: 0.49
Current: 0.07
0.02
0.49
Equity to Asset 0.10
SMMF's Equity to Asset is ranked lower than
53% of the 1660 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 Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.13
Current: 0.1
0.05
0.13
Interest Coverage 1.73
SMMF's Interest Coverage is ranked higher than
51% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. SMMF: 1.73 )
Ranked among companies with meaningful Interest Coverage only.
SMMF' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.47 Max: 1.79
Current: 1.73
0.04
1.79
F-Score: 6
M-Score: -2.46
WACC vs ROIC
4.05%
4.13%
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 (%) 39.05
SMMF's Operating margin (%) is ranked higher than
68% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. SMMF: 39.05 )
Ranked among companies with meaningful Operating margin (%) only.
SMMF' s Operating margin (%) Range Over the Past 10 Years
Min: -10.41  Med: 24.02 Max: 41.51
Current: 39.05
-10.41
41.51
Net-margin (%) 27.47
SMMF's Net-margin (%) is ranked higher than
64% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. SMMF: 27.47 )
Ranked among companies with meaningful Net-margin (%) only.
SMMF' s Net-margin (%) Range Over the Past 10 Years
Min: -4.17  Med: 12.45 Max: 27.82
Current: 27.47
-4.17
27.82
ROE (%) 11.24
SMMF's ROE (%) is ranked higher than
68% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. SMMF: 11.24 )
Ranked among companies with meaningful ROE (%) only.
SMMF' s ROE (%) Range Over the Past 10 Years
Min: -2.52  Med: 5.66 Max: 11.69
Current: 11.24
-2.52
11.69
ROA (%) 1.07
SMMF's ROA (%) is ranked higher than
62% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SMMF: 1.07 )
Ranked among companies with meaningful ROA (%) only.
SMMF' s ROA (%) Range Over the Past 10 Years
Min: -0.13  Med: 0.44 Max: 1.1
Current: 1.07
-0.13
1.1
Revenue Growth (3Y)(%) 2.90
SMMF's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. SMMF: 2.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SMMF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.2  Med: 6.40 Max: 139.4
Current: 2.9
-9.2
139.4
EBITDA Growth (3Y)(%) 15.50
SMMF's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SMMF: 15.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SMMF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -42.5  Med: 18.25 Max: 36.1
Current: 15.5
-42.5
36.1
EPS Growth (3Y)(%) 47.30
SMMF's EPS Growth (3Y)(%) is ranked higher than
91% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SMMF: 47.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SMMF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.1  Med: 15.90 Max: 47.3
Current: 47.3
-35.1
47.3
» SMMF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-27)


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

» Details

Guru Trades

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
Q3 2015

SMMF Guru Trades in Q3 2015

Jim Simons 44,335 sh (+24.76%)
Arnold Schneider Sold Out
» More
Q4 2015

SMMF Guru Trades in Q4 2015

Jim Simons 48,335 sh (+9.02%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.27
SMMF's P/E(ttm) is ranked higher than
50% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. SMMF: 13.27 )
Ranked among companies with meaningful P/E(ttm) only.
SMMF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.57  Med: 12.33 Max: 310.4
Current: 13.27
5.57
310.4
PE(NRI) 13.27
SMMF's PE(NRI) is ranked higher than
50% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. SMMF: 13.27 )
Ranked among companies with meaningful PE(NRI) only.
SMMF' s PE(NRI) Range Over the Past 10 Years
Min: 5.6  Med: 10.88 Max: 258.67
Current: 13.27
5.6
258.67
Price/Owner Earnings (ttm) 13.45
SMMF's Price/Owner Earnings (ttm) is ranked lower than
53% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SMMF: 13.45 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SMMF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.74  Med: 8.44 Max: 867.73
Current: 13.45
3.74
867.73
P/B 1.46
SMMF's P/B is ranked lower than
73% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SMMF: 1.46 )
Ranked among companies with meaningful P/B only.
SMMF' s P/B Range Over the Past 10 Years
Min: 0.19  Med: 0.74 Max: 3.36
Current: 1.46
0.19
3.36
P/S 3.71
SMMF's P/S is ranked lower than
61% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. SMMF: 3.71 )
Ranked among companies with meaningful P/S only.
SMMF' s P/S Range Over the Past 10 Years
Min: 0.32  Med: 1.79 Max: 6.9
Current: 3.71
0.32
6.9
PFCF 10.24
SMMF's PFCF is ranked higher than
56% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. SMMF: 10.24 )
Ranked among companies with meaningful PFCF only.
SMMF' s PFCF Range Over the Past 10 Years
Min: 0.71  Med: 3.61 Max: 20.54
Current: 10.24
0.71
20.54
POCF 9.10
SMMF's POCF is ranked higher than
54% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SMMF: 9.10 )
Ranked among companies with meaningful POCF only.
SMMF' s POCF Range Over the Past 10 Years
Min: 0.7  Med: 3.48 Max: 17.92
Current: 9.1
0.7
17.92
EV-to-EBIT 20.46
SMMF's EV-to-EBIT is ranked lower than
71% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. SMMF: 20.46 )
Ranked among companies with meaningful EV-to-EBIT only.
SMMF' s EV-to-EBIT Range Over the Past 10 Years
Min: -557.2  Med: 30.40 Max: 561.8
Current: 20.46
-557.2
561.8
EV-to-EBITDA 19.39
SMMF's EV-to-EBITDA is ranked lower than
74% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. SMMF: 19.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
SMMF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -502.3  Med: 29.70 Max: 1797.4
Current: 19.39
-502.3
1797.4
Shiller P/E 29.73
SMMF's Shiller P/E is ranked lower than
81% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. SMMF: 29.73 )
Ranked among companies with meaningful Shiller P/E only.
SMMF' s Shiller P/E Range Over the Past 10 Years
Min: 2.58  Med: 6.21 Max: 29.73
Current: 29.73
2.58
29.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.75
SMMF's Dividend Yield is ranked lower than
74% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. SMMF: 1.75 )
Ranked among companies with meaningful Dividend Yield only.
SMMF' s Dividend Yield Range Over the Past 10 Years
Min: 0.6  Med: 1.73 Max: 6.52
Current: 1.75
0.6
6.52
Dividend Payout 0.21
SMMF's Dividend Payout is ranked higher than
74% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SMMF: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
SMMF' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 0.20 Max: 1.16
Current: 0.21
0.12
1.16
Forward Dividend Yield 2.14
SMMF's Forward Dividend Yield is ranked lower than
72% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. SMMF: 2.14 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.75
SMMF's Yield on cost (5-Year) is ranked lower than
75% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SMMF: 1.75 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SMMF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.6  Med: 1.73 Max: 6.52
Current: 1.75
0.6
6.52
3-Year Average Share Buyback Ratio -0.70
SMMF's 3-Year Average Share Buyback Ratio is ranked higher than
63% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SMMF: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SMMF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -33.4  Med: -1.10 Max: 0.6
Current: -0.7
-33.4
0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
SMMF's Price/Tangible Book is ranked lower than
69% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SMMF: 1.54 )
Ranked among companies with meaningful Price/Tangible Book only.
SMMF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.24  Med: 0.89 Max: 3.26
Current: 1.54
0.24
3.26
Price/Projected FCF 0.64
SMMF's Price/Projected FCF is ranked higher than
57% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SMMF: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
SMMF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.37 Max: 2.86
Current: 0.64
0.09
2.86
Price/Median PS Value 2.07
SMMF's Price/Median PS Value is ranked lower than
95% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SMMF: 2.07 )
Ranked among companies with meaningful Price/Median PS Value only.
SMMF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.23  Med: 1.17 Max: 3.71
Current: 2.07
0.23
3.71
Price/Peter Lynch Fair Value 0.54
SMMF's Price/Peter Lynch Fair Value is ranked higher than
79% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. SMMF: 0.54 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SMMF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.32  Med: 0.79 Max: 1.37
Current: 0.54
0.32
1.37
Price/Graham Number 0.95
SMMF's Price/Graham Number is ranked lower than
56% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SMMF: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
SMMF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.26  Med: 0.70 Max: 1.87
Current: 0.95
0.26
1.87
Earnings Yield (Greenblatt) (%) 4.90
SMMF's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SMMF: 4.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SMMF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 2.80 Max: 6.2
Current: 4.9
0.2
6.2
Forward Rate of Return (Yacktman) (%) 92.37
SMMF's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. SMMF: 92.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SMMF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.1  Med: 31.00 Max: 104.5
Current: 92.37
-2.1
104.5

More Statistics

Revenue(Mil) $58
EPS $ 1.48
Beta0.37
Short Percentage of Float0.05%
52-Week Range $11.03 - 19.00
Shares Outstanding(Mil)10.85

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TBBK, NAS:FNLC, NAS:OSBC, NAS:FFKT, NAS:FMBH, NAS:MBVT » 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
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 

More From Other Websites
Summit Financial Group, Inc. (West Virginia) :SMMF-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 28 2016
SUMMIT FINANCIAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 26 2016
Summit Financial Group Reports First Quarter 2016 Results Apr 25 2016
Summit Financial posts 1Q profit Apr 25 2016
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Summit Financial Group Reports First Quarter 2016 Results Apr 25 2016
SUMMIT FINANCIAL GROUP INC Financials Mar 04 2016
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SUMMIT FINANCIAL GROUP INC Files SEC form 10-K, Annual Report Feb 26 2016
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Summit Financial Group to Ring The Nasdaq Stock Market Closing Bell Jan 29 2016
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Summit Financial posts 4Q profit Jan 25 2016
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