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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 higher than
85% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. SPBC: 1.34 )
SPBC' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.34

Equity to Asset 0.10
SPBC's Equity to Asset is ranked higher than
54% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. SPBC: 0.10 )
SPBC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.1

0.08
0.13
Interest Coverage 1.28
SPBC's Interest Coverage is ranked higher than
58% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 4.42 vs. SPBC: 1.28 )
SPBC' s 10-Year Interest Coverage Range
Min: 0.05   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 higher than
61% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 20.34 vs. SPBC: 8.85 )
SPBC' s 10-Year Operating margin (%) Range
Min: 1.57   Max: 14.49
Current: 8.85

1.57
14.49
Net-margin (%) 4.71
SPBC's Net-margin (%) is ranked higher than
60% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. SPBC: 4.71 )
SPBC' s 10-Year Net-margin (%) Range
Min: 0.32   Max: 10.31
Current: 4.71

0.32
10.31
ROE (%) 1.77
SPBC's ROE (%) is ranked higher than
57% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 11.85 vs. SPBC: 1.77 )
SPBC' s 10-Year ROE (%) Range
Min: 2.12   Max: 4.58
Current: 1.77

2.12
4.58
ROA (%) 0.19
SPBC's ROA (%) is ranked higher than
55% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 2.89 vs. SPBC: 0.19 )
SPBC' s 10-Year ROA (%) Range
Min: 0.23   Max: 0.54
Current: 0.19

0.23
0.54
ROC (Joel Greenblatt) (%) 27.26
SPBC's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. SPBC: 27.26 )
SPBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 17.42   Max: 49.49
Current: 27.26

17.42
49.49
EPS Growth (3Y)(%) 40.40
SPBC's EPS Growth (3Y)(%) is ranked higher than
94% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 16.50 vs. SPBC: 40.40 )
SPBC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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

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Ratios

vs
industry
vs
history
P/E(ttm) 72.40
SPBC's P/E(ttm) is ranked higher than
57% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 17.10 vs. SPBC: 72.40 )
SPBC' s 10-Year P/E(ttm) Range
Min: 15.67   Max: 72.76
Current: 72.4

15.67
72.76
PE(NRI) 71.00
SPBC's PE(NRI) is ranked higher than
59% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.60 vs. SPBC: 71.00 )
SPBC' s 10-Year PE(NRI) Range
Min: 15.8   Max: 71.34
Current: 71

15.8
71.34
P/B 1.40
SPBC's P/B is ranked higher than
78% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. SPBC: 1.40 )
SPBC' s 10-Year P/B Range
Min: 0.48   Max: 1.4
Current: 1.4

0.48
1.4
P/S 3.42
SPBC's P/S is ranked higher than
67% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.88 vs. SPBC: 3.42 )
SPBC' s 10-Year P/S Range
Min: 1.27   Max: 5.76
Current: 3.42

1.27
5.76
PFCF 32.70
SPBC's PFCF is ranked higher than
78% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. SPBC: 32.70 )
SPBC' s 10-Year PFCF Range
Min: 2.11   Max: 32.87
Current: 32.7

2.11
32.87
POCF 30.96
SPBC's POCF is ranked higher than
74% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 22.80 vs. SPBC: 30.96 )
SPBC' s 10-Year POCF Range
Min: 2.09   Max: 31.12
Current: 30.96

2.09
31.12
EV-to-EBIT 33.66
SPBC's EV-to-EBIT is ranked higher than
71% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 25.47 vs. SPBC: 33.66 )
SPBC' s 10-Year EV-to-EBIT Range
Min: -0.3   Max: 38.1
Current: 33.66

-0.3
38.1
Days Sales Outstanding 26.32
SPBC's Days Sales Outstanding is ranked higher than
80% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 63.41 vs. SPBC: 26.32 )
SPBC' s 10-Year Days Sales Outstanding Range
Min: 18   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 higher than
66% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. SPBC: 3.00 )
SPBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   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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