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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.34
SPBC's Cash to Debt is ranked lower than
55% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. SPBC: 1.34 )
Ranked among companies with meaningful Cash to Debt only.
SPBC' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.96 Max: No Debt
Current: 1.34
Equity to Asset 0.10
SPBC's Equity to Asset is ranked lower than
91% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. SPBC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SPBC' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.13
Current: 0.1
0.08
0.13
Interest Coverage 1.28
SPBC's Interest Coverage is ranked lower than
82% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. SPBC: 1.28 )
Ranked among companies with meaningful Interest Coverage only.
SPBC' s 10-Year Interest Coverage Range
Min: 0.05  Med: 0.52 Max: 1.49
Current: 1.28
0.05
1.49
F-Score: 4
Z-Score: 0.24
WACC vs ROIC
3.15%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.85
SPBC's Operating margin (%) is ranked lower than
71% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. SPBC: 8.85 )
Ranked among companies with meaningful Operating margin (%) only.
SPBC' s 10-Year Operating margin (%) Range
Min: 1.57  Med: 8.61 Max: 14.49
Current: 8.85
1.57
14.49
Net-margin (%) 4.71
SPBC's Net-margin (%) is ranked lower than
75% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. SPBC: 4.71 )
Ranked among companies with meaningful Net-margin (%) only.
SPBC' s 10-Year Net-margin (%) Range
Min: 0.32  Med: 6.04 Max: 10.31
Current: 4.71
0.32
10.31
ROE (%) 1.77
SPBC's ROE (%) is ranked lower than
75% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. SPBC: 1.77 )
Ranked among companies with meaningful ROE (%) only.
SPBC' s 10-Year ROE (%) Range
Min: 2.12  Med: 2.90 Max: 4.58
Current: 1.77
2.12
4.58
ROA (%) 0.19
SPBC's ROA (%) is ranked lower than
77% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. SPBC: 0.19 )
Ranked among companies with meaningful ROA (%) only.
SPBC' s 10-Year ROA (%) Range
Min: 0.23  Med: 0.37 Max: 0.54
Current: 0.19
0.23
0.54
EPS Growth (3Y)(%) 40.40
SPBC's EPS Growth (3Y)(%) is ranked higher than
88% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. SPBC: 40.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SPBC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 40.4
Current: 40.4
0
40.4
» SPBC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SPBC

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Ratios

vs
industry
vs
history
P/E(ttm) 72.40
SPBC's P/E(ttm) is ranked lower than
88% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. SPBC: 72.40 )
Ranked among companies with meaningful P/E(ttm) only.
SPBC' s 10-Year P/E(ttm) Range
Min: 15.67  Med: 20.83 Max: 72.76
Current: 72.4
15.67
72.76
PE(NRI) 71.00
SPBC's PE(NRI) is ranked lower than
88% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. SPBC: 71.00 )
Ranked among companies with meaningful PE(NRI) only.
SPBC' s 10-Year PE(NRI) Range
Min: 15.8  Med: 20.95 Max: 71.34
Current: 71
15.8
71.34
P/B 1.40
SPBC's P/B is ranked lower than
63% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. SPBC: 1.40 )
Ranked among companies with meaningful P/B only.
SPBC' s 10-Year P/B Range
Min: 0.48  Med: 0.78 Max: 1.4
Current: 1.4
0.48
1.4
P/S 3.40
SPBC's P/S is ranked lower than
52% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. SPBC: 3.40 )
Ranked among companies with meaningful P/S only.
SPBC' s 10-Year P/S Range
Min: 1.27  Med: 2.02 Max: 5.76
Current: 3.4
1.27
5.76
PFCF 32.70
SPBC's PFCF is ranked lower than
80% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. SPBC: 32.70 )
Ranked among companies with meaningful PFCF only.
SPBC' s 10-Year PFCF Range
Min: 2.11  Med: 3.17 Max: 32.87
Current: 32.7
2.11
32.87
POCF 30.96
SPBC's POCF is ranked lower than
85% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. SPBC: 30.96 )
Ranked among companies with meaningful POCF only.
SPBC' s 10-Year POCF Range
Min: 2.09  Med: 3.74 Max: 31.12
Current: 30.96
2.09
31.12
EV-to-EBIT 33.66
SPBC's EV-to-EBIT is ranked lower than
72% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. SPBC: 33.66 )
Ranked among companies with meaningful EV-to-EBIT only.
SPBC' s 10-Year EV-to-EBIT Range
Min: -0.3  Med: 14.10 Max: 38.1
Current: 33.66
-0.3
38.1
Days Sales Outstanding 26.32
SPBC's Days Sales Outstanding is ranked lower than
51% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. SPBC: 26.32 )
Ranked among companies with meaningful Days Sales Outstanding only.
SPBC' s 10-Year Days Sales Outstanding Range
Min: 18  Med: 27.25 Max: 29.47
Current: 26.32
18
29.47

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 3.00
SPBC's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. SPBC: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SPBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.6  Med: 7.10 Max: 28120
Current: 3
2.6
28120

Business Description

Industry: Credit Services » Credit Services
Compare: » 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").

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