Switch to:

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 6.24
SSNF's Cash to Debt is ranked higher than
54% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. SSNF: 6.24 )
Ranked among companies with meaningful Cash to Debt only.
SSNF' s Cash to Debt Range Over the Past 10 Years
Min: 2.17  Med: 10000.00 Max: No Debt
Current: 6.24
Equity to Asset 0.13
SSNF's Equity to Asset is ranked higher than
72% of the 1667 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: 0.16 Max: 0.18
Current: 0.13
0.09
0.18
F-Score: 4
WACC vs ROIC
4.48%
-0.60%
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 (%) -1.25
SSNF's Operating margin (%) is ranked lower than
93% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. SSNF: -1.25 )
Ranked among companies with meaningful Operating margin (%) only.
SSNF' s Operating margin (%) Range Over the Past 10 Years
Min: -31.66  Med: -1.61 Max: 7.19
Current: -1.25
-31.66
7.19
Net-margin (%) -0.76
SSNF's Net-margin (%) is ranked lower than
93% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. SSNF: -0.76 )
Ranked among companies with meaningful Net-margin (%) only.
SSNF' s Net-margin (%) Range Over the Past 10 Years
Min: -19.74  Med: -0.95 Max: 4.7
Current: -0.76
-19.74
4.7
ROE (%) -0.28
SSNF's ROE (%) is ranked lower than
92% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. SSNF: -0.28 )
Ranked among companies with meaningful ROE (%) only.
SSNF' s ROE (%) Range Over the Past 10 Years
Min: -9.96  Med: -0.35 Max: 2.6
Current: -0.28
-9.96
2.6
ROA (%) -0.04
SSNF's ROA (%) is ranked lower than
92% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SSNF: -0.04 )
Ranked among companies with meaningful ROA (%) only.
SSNF' s ROA (%) Range Over the Past 10 Years
Min: -0.93  Med: -0.05 Max: 0.26
Current: -0.04
-0.93
0.26
Revenue Growth (3Y)(%) 7.40
SSNF's Revenue Growth (3Y)(%) is ranked higher than
70% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. SSNF: 7.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SSNF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.45 Max: 7.4
Current: 7.4
0
7.4
EPS Growth (3Y)(%) -43.30
SSNF's EPS Growth (3Y)(%) is ranked lower than
96% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SSNF: -43.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SSNF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: -43.3
Current: -43.3
» SSNF's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SSNF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCBB:CFDB, OTCPK:CBWA, OTCPK:CYSM, OTCPK:FBPA, OTCPK:LGHT, OTCPK:TYFG, OTCPK:QNTO, OTCPK:PARA, OTCPK:VSBN, OTCBB:BNNP, OTCPK:SCAF, OTCPK:MNBO, OTCPK:CROL, OTCPK:CUMD, OTCPK:MVLY, OTCBB:CNNB, OTCPK:CZBS, OTCPK:FRSB, OTCPK:HCFL, OTCPK:STBI » details
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
Price/Owner Earnings (ttm) 123.55
SSNF's Price/Owner Earnings (ttm) is ranked lower than
98% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. SSNF: 123.55 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SSNF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 122.9  Med: 123.87 Max: 124.84
Current: 123.55
122.9
124.84
P/B 0.93
SSNF's P/B is ranked higher than
57% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. SSNF: 0.93 )
Ranked among companies with meaningful P/B only.
SSNF' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 0.81 Max: 0.95
Current: 0.93
0.45
0.95
P/S 2.36
SSNF's P/S is ranked higher than
61% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. SSNF: 2.36 )
Ranked among companies with meaningful P/S only.
SSNF' s P/S Range Over the Past 10 Years
Min: 1.43  Med: 2.36 Max: 5.92
Current: 2.36
1.43
5.92
PFCF 26.78
SSNF's PFCF is ranked lower than
89% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. SSNF: 26.78 )
Ranked among companies with meaningful PFCF only.
SSNF' s PFCF Range Over the Past 10 Years
Min: 6.63  Med: 14.86 Max: 660.71
Current: 26.78
6.63
660.71
POCF 14.16
SSNF's POCF is ranked lower than
78% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. SSNF: 14.16 )
Ranked among companies with meaningful POCF only.
SSNF' s POCF Range Over the Past 10 Years
Min: 6.11  Med: 11.84 Max: 75.82
Current: 14.16
6.11
75.82
EV-to-EBITDA 22.81
SSNF's EV-to-EBITDA is ranked lower than
82% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. SSNF: 22.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
SSNF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.3  Med: 10.00 Max: 218.3
Current: 22.81
-103.3
218.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
SSNF's Price/Tangible Book is ranked higher than
61% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SSNF: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
SSNF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.46  Med: 0.79 Max: 0.93
Current: 0.93
0.46
0.93
Price/Projected FCF 0.81
SSNF's Price/Projected FCF is ranked lower than
70% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. SSNF: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
SSNF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.81  Med: 0.81 Max: 0.87
Current: 0.81
0.81
0.87
Price/Median PS Value 1.00
SSNF's Price/Median PS Value is ranked lower than
53% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. SSNF: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
SSNF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.62  Med: 0.99 Max: 2.45
Current: 1
0.62
2.45
Earnings Yield (Greenblatt) (%) -1.50
SSNF's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. SSNF: -1.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SSNF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -1.5  Med: 4.20 Max: 103.1
Current: -1.5
-1.5
103.1

More Statistics

Revenue (TTM) (Mil) $7.98
EPS (TTM) $ -0.07
Beta0.22
Short Percentage of Float0.00%
52-Week Range $17.90 - 19.50
Shares Outstanding (Mil)1.03

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)