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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
SSNF's Cash to Debt is ranked higher than
97% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SSNF: No Debt )
SSNF' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.16
SSNF's Equity to Asset is ranked higher than
94% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SSNF: 0.16 )
SSNF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.18
Current: 0.16

0.09
0.18
Interest Coverage 1.39
SSNF's Interest Coverage is ranked higher than
69% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SSNF: 1.39 )
SSNF' s 10-Year Interest Coverage Range
Min: 1.39   Max: 9999.99
Current: 1.39

1.39
9999.99
F-Score: 4
Z-Score: 0.29
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 : 4/10

vs
industry
vs
history
Operating margin (%) -1.10
SSNF's Operating margin (%) is ranked higher than
50% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. SSNF: -1.10 )
SSNF' s 10-Year Operating margin (%) Range
Min: -31.66   Max: 7.19
Current: -1.1

-31.66
7.19
Net-margin (%) -0.09
SSNF's Net-margin (%) is ranked higher than
50% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. SSNF: -0.09 )
SSNF' s 10-Year Net-margin (%) Range
Min: -19.74   Max: 4.7
Current: -0.09

-19.74
4.7
ROE (%) -0.03
SSNF's ROE (%) is ranked higher than
51% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. SSNF: -0.03 )
SSNF' s 10-Year ROE (%) Range
Min: -2.1   Max: 2.6
Current: -0.03

-2.1
2.6
ROA (%) 0.26
SSNF's ROA (%) is ranked higher than
55% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SSNF: 0.26 )
SSNF' s 10-Year ROA (%) Range
Min: -0.36   Max: 0.26
Current: 0.26

-0.36
0.26
ROC (Joel Greenblatt) (%) -1.62
SSNF's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. SSNF: -1.62 )
SSNF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -25.23   Max: 31.06
Current: -1.62

-25.23
31.06
» SSNF's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 0.90
SSNF's P/B is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SSNF: 0.90 )
SSNF' s 10-Year P/B Range
Min: 0.45   Max: 0.93
Current: 0.9

0.45
0.93
P/S 2.60
SSNF's P/S is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. SSNF: 2.60 )
SSNF' s 10-Year P/S Range
Min: 1.46   Max: 5.92
Current: 2.6

1.46
5.92
PFCF 606.70
SSNF's PFCF is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SSNF: 606.70 )
SSNF' s 10-Year PFCF Range
Min: 6.58   Max: 616.67
Current: 606.7

6.58
616.67
EV-to-EBIT -127.72
SSNF's EV-to-EBIT is ranked lower than
54% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. SSNF: -127.72 )
SSNF' s 10-Year EV-to-EBIT Range
Min: -113.6   Max: 31.3
Current: -127.72

-113.6
31.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
SSNF's Price/Tangible Book is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. SSNF: 0.90 )
SSNF' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 0.91
Current: 0.9

0.46
0.91
Price/Median PS Value 1.30
SSNF's Price/Median PS Value is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. SSNF: 1.30 )
SSNF' s 10-Year Price/Median PS Value Range
Min: 0.75   Max: 2.91
Current: 1.3

0.75
2.91
Earnings Yield (Greenblatt) -0.80
SSNF's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SSNF: -0.80 )
SSNF' s 10-Year Earnings Yield (Greenblatt) Range
Min: -0.8   Max: 12.3
Current: -0.8

-0.8
12.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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.

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