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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

Interest Coverage 0.73
SPBC's Interest Coverage is ranked lower than
99.99% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. SPBC: 0.73 )
Ranked among companies with meaningful Interest Coverage only.
SPBC' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.73
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 : 2/10

» SPBC's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

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Business Description

Industry: Credit Services » Credit Services
Compare:KUW:ARZAN, SGX:S23, SGX:T6I, HKSE:00767, BKK:GL-F, MUS:NFCI » details

SP Bancorp, Inc., is incorporated in the State of Maryland. The Bank intends to own all of the issued and outstanding stock of SharePlus Federal Bank. It will retain up to 50% of the net proceeds from the offering and initially invest the remaining net proceeds in SharePlus Federal Bank as additional capital of SharePlus Federal Bank. SP Bancorp, Inc. will use a portion of the net proceeds to make a loan to the employee stock ownership plan. SharePlus Federal Bank is a federally chartered savings bank originally chartered in 1958 as a federal credit union serving the employees and family members of Frito-Lay, Inc. The Bank provides financial services to individuals, families and businesses through its eight banking offices. Its business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in mortgage loans secured by residential real estate, home equity loans and lines of credit, commercial real estate loans, consumer loans (consisting primarily of automobile loans) and commercial loans. The Bank also invests in investment securities, primarily consisting of government sponsored mortgage-backed securities, and municipal obligations, agency bonds and collateralized mortgage obligations guaranteed by Fannie Mae and Freddie Mac. The Bank offers a variety of deposit accounts, including noninterest-bearing and interest-bearing demand deposit accounts, savings accounts, money market accounts and certificates of deposit. Its primary market area includes the cities of Plano and Dallas and Collin County and Dallas County and adjacent communities in the Dallas-Fort Worth-Arlington metropolitan statistical area ("MSA").



Valuation & Return


More Statistics

Revenue (TTM) (Mil) $12.49
EPS (TTM) $ 0.40
Short Percentage of Float0.35%
52-Week Range $19.01 - 29.55
Shares Outstanding (Mil)1.60
» More Articles for SPBC


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