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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

vs
industry
vs
history
Cash-to-Debt 0.89
SSNF's Cash-to-Debt is ranked higher than
51% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. SSNF: 0.89 )
Ranked among companies with meaningful Cash-to-Debt only.
SSNF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.89  Med: No Debt Max: No Debt
Current: 0.89
Equity-to-Asset 0.13
SSNF's Equity-to-Asset is ranked higher than
71% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SSNF: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
SSNF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.17
Current: 0.13
0.09
0.17
Interest Coverage 0.39
SSNF's Interest Coverage is ranked lower than
99.99% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SSNF: 0.39 )
Ranked among companies with meaningful Interest Coverage only.
SSNF' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 0.38 Max: 1.39
Current: 0.39
0.09
1.39
Beneish M-Score: -2.57
WACC vs ROIC
3.59%
0.76%
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 : 3/10

vs
industry
vs
history
Operating Margin % 1.97
SSNF's Operating Margin % is ranked lower than
93% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. SSNF: 1.97 )
Ranked among companies with meaningful Operating Margin % only.
SSNF' s Operating Margin % Range Over the Past 10 Years
Min: -31.66  Med: -0.58 Max: 7.19
Current: 1.97
-31.66
7.19
Net Margin % 1.39
SSNF's Net Margin % is ranked lower than
92% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. SSNF: 1.39 )
Ranked among companies with meaningful Net Margin % only.
SSNF' s Net Margin % Range Over the Past 10 Years
Min: -19.74  Med: -0.22 Max: 4.7
Current: 1.39
-19.74
4.7
ROE % 0.51
SSNF's ROE % is ranked lower than
92% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. SSNF: 0.51 )
Ranked among companies with meaningful ROE % only.
SSNF' s ROE % Range Over the Past 10 Years
Min: -9.96  Med: -0.09 Max: 2.6
Current: 0.51
-9.96
2.6
ROA % 0.07
SSNF's ROA % is ranked lower than
92% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SSNF: 0.07 )
Ranked among companies with meaningful ROA % only.
SSNF' s ROA % Range Over the Past 10 Years
Min: -0.93  Med: -0.01 Max: 0.26
Current: 0.07
-0.93
0.26
3-Year Revenue Growth Rate 4.80
SSNF's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SSNF: 4.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SSNF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1 Max: 4.8
Current: 4.8
0
4.8
3-Year EBITDA Growth Rate -18.80
SSNF's 3-Year EBITDA Growth Rate is ranked lower than
99.99% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SSNF: -18.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SSNF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -9.4 Max: 55
Current: -18.8
0
55
3-Year EPS without NRI Growth Rate -30.70
SSNF's 3-Year EPS without NRI Growth Rate is ranked lower than
96% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SSNF: -30.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SSNF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -22.1 Max: -30.7
Current: -30.7
GuruFocus has detected 5 Warning Signs with Sunshine Financial Inc $SSNF.
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» SSNF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
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Headquarter Location:USA
Sunshine Financial Inc through its subsidiary attracts retail deposits from the general public and invests those funds in loans secured by first and second mortgages on one- to four-family residences, lot loans, commercial real estate and consumer loans.

Sunshine Financial Inc is a Maryland corporation. The Company is a stock holding company for its wholly owned subsidiary, Sunshine Savings Bank. The Company's principal business consists of attracting retail deposits from the general public and investing those funds in loans secured by first and second mortgages on one- to four-family residences (including residential construction loans), lot loans, commercial real estate loans and consumer loans. It offers a variety of secured and unsecured consumer loan products, including home equity, direct and indirect automobile loans and credit card loans in its market area. The Company's main competitors include savings institutions, commercial banks, credit unions, life insurance companies and mortgage bankers. The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.

Ratios

vs
industry
vs
history
PE Ratio 192.73
SSNF's PE Ratio is ranked lower than
99.99% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SSNF: 192.73 )
Ranked among companies with meaningful PE Ratio only.
SSNF' s PE Ratio Range Over the Past 10 Years
Min: 33.59  Med: 129.11 Max: 457.5
Current: 192.73
33.59
457.5
PE Ratio without NRI 192.73
SSNF's PE Ratio without NRI is ranked lower than
99.99% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. SSNF: 192.73 )
Ranked among companies with meaningful PE Ratio without NRI only.
SSNF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 33.59  Med: 129.11 Max: 457.5
Current: 192.73
33.59
457.5
Price-to-Owner-Earnings 98.60
SSNF's Price-to-Owner-Earnings is ranked lower than
96% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. SSNF: 98.60 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SSNF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 72.01  Med: 86.81 Max: 98.6
Current: 98.6
72.01
98.6
PB Ratio 1.01
SSNF's PB Ratio is ranked higher than
64% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SSNF: 1.01 )
Ranked among companies with meaningful PB Ratio only.
SSNF' s PB Ratio Range Over the Past 10 Years
Min: 0.45  Med: 0.87 Max: 1.01
Current: 1.01
0.45
1.01
PS Ratio 2.59
SSNF's PS Ratio is ranked higher than
67% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. SSNF: 2.59 )
Ranked among companies with meaningful PS Ratio only.
SSNF' s PS Ratio Range Over the Past 10 Years
Min: 1.35  Med: 2.36 Max: 3.14
Current: 2.59
1.35
3.14
Price-to-Free-Cash-Flow 21.72
SSNF's Price-to-Free-Cash-Flow is ranked lower than
61% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. SSNF: 21.72 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SSNF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.4  Med: 15.54 Max: 660.71
Current: 21.72
5.4
660.71
Price-to-Operating-Cash-Flow 21.41
SSNF's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. SSNF: 21.41 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SSNF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.31  Med: 12.79 Max: 75.82
Current: 21.41
5.31
75.82
EV-to-EBIT 149.19
SSNF's EV-to-EBIT is ranked lower than
99.99% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. SSNF: 149.19 )
Ranked among companies with meaningful EV-to-EBIT only.
SSNF' s EV-to-EBIT Range Over the Past 10 Years
Min: -156.2  Med: -5.1 Max: 186.6
Current: 149.19
-156.2
186.6
EV-to-EBITDA 45.19
SSNF's EV-to-EBITDA is ranked lower than
93% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. SSNF: 45.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
SSNF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.3  Med: 13.4 Max: 428.8
Current: 45.19
-103.3
428.8

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 3.00
SSNF's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SSNF: 3.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SSNF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 3  Med: 5.7 Max: 0
Current: 3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.01
SSNF's Price-to-Tangible-Book is ranked higher than
65% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SSNF: 1.01 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SSNF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.46  Med: 0.88 Max: 1.01
Current: 1.01
0.46
1.01
Price-to-Intrinsic-Value-Projected-FCF 0.86
SSNF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SSNF: 0.86 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SSNF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.73  Med: 0.77 Max: 0.86
Current: 0.86
0.73
0.86
Price-to-Median-PS-Value 1.10
SSNF's Price-to-Median-PS-Value is ranked higher than
57% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SSNF: 1.10 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SSNF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.02 Max: 1.11
Current: 1.1
0.57
1.11
Price-to-Graham-Number 2.94
SSNF's Price-to-Graham-Number is ranked lower than
99.99% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SSNF: 2.94 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SSNF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.46  Med: 2.76 Max: 4.19
Current: 2.94
1.46
4.19
Earnings Yield (Greenblatt) % 0.67
SSNF's Earnings Yield (Greenblatt) % is ranked lower than
75% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. SSNF: 0.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SSNF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 4.1 Max: 103.1
Current: 0.67
0.5
103.1

More Statistics

Revenue (TTM) (Mil) $7.91
EPS (TTM) $ 0.11
Beta0.26
Short Percentage of Float0.00%
52-Week Range $18.60 - 21.20
Shares Outstanding (Mil)1.03

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