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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 0.52
SVBI's Cash to Debt is ranked higher than
67% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SVBI: 0.52 )
SVBI' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.52

Equity to Asset 0.10
SVBI's Equity to Asset is ranked higher than
73% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SVBI: 0.10 )
SVBI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.1

0.08
0.13
F-Score: 3
Z-Score: 0.05
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 (%) -64.26
SVBI's Operating margin (%) is ranked lower than
52% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. SVBI: -64.26 )
SVBI' s 10-Year Operating margin (%) Range
Min: -192.56   Max: 64.26
Current: -64.26

-192.56
64.26
Net-margin (%) -94.25
SVBI's Net-margin (%) is ranked lower than
53% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. SVBI: -94.25 )
SVBI' s 10-Year Net-margin (%) Range
Min: -83.5   Max: 290.13
Current: -94.25

-83.5
290.13
ROE (%) -28.85
SVBI's ROE (%) is ranked lower than
52% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. SVBI: -28.85 )
SVBI' s 10-Year ROE (%) Range
Min: -26.25   Max: 46.35
Current: -28.85

-26.25
46.35
ROA (%) -3.19
SVBI's ROA (%) is ranked lower than
52% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SVBI: -3.19 )
SVBI' s 10-Year ROA (%) Range
Min: -3.05   Max: 3.55
Current: -3.19

-3.05
3.55
ROC (Joel Greenblatt) (%) -67.67
SVBI's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. SVBI: -67.67 )
SVBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -84.74   Max: 617.1
Current: -67.67

-84.74
617.1
Revenue Growth (%) -2.90
SVBI's Revenue Growth (%) is ranked higher than
65% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SVBI: -2.90 )
SVBI' s 10-Year Revenue Growth (%) Range
Min: -43   Max: 130
Current: -2.9

-43
130
EPS Growth (%) 304.10
SVBI's EPS Growth (%) is ranked higher than
100% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. SVBI: 304.10 )
SVBI' s 10-Year EPS Growth (%) Range
Min: -35.4   Max: 304.1
Current: 304.1

-35.4
304.1
» SVBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

SVBI Guru Trades in Q3 2013

Arnold Schneider 79,280 sh (+2.45%)
» More
Q4 2013

SVBI Guru Trades in Q4 2013

Arnold Schneider 82,931 sh (+4.61%)
» More
Q1 2014

SVBI Guru Trades in Q1 2014

Arnold Schneider 82,931 sh (unchged)
» More
Q2 2014

SVBI Guru Trades in Q2 2014

Arnold Schneider 82,931 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with SVBI

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



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 0.60
SVBI's P/B is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SVBI: 0.60 )
SVBI' s 10-Year P/B Range
Min: 0.21   Max: 3.34
Current: 0.6

0.21
3.34
P/S 1.70
SVBI's P/S is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SVBI: 1.70 )
SVBI' s 10-Year P/S Range
Min: 0.75   Max: 18.85
Current: 1.7

0.75
18.85
PFCF 3.40
SVBI's PFCF is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. SVBI: 3.40 )
SVBI' s 10-Year PFCF Range
Min: 1.45   Max: 60.35
Current: 3.4

1.45
60.35
EV-to-EBIT -6.44
SVBI's EV-to-EBIT is ranked higher than
53% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. SVBI: -6.44 )
SVBI' s 10-Year EV-to-EBIT Range
Min: 10.2   Max: 149.7
Current: -6.44

10.2
149.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.56
SVBI's Price/Tangible Book is ranked higher than
95% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SVBI: 0.56 )
SVBI' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 3.34
Current: 0.56

0.23
3.34
Price/DCF (Projected) 0.30
SVBI's Price/DCF (Projected) is ranked higher than
94% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SVBI: 0.30 )
SVBI' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 1.29
Current: 0.3

0.14
1.29
Price/Median PS Value 0.99
SVBI's Price/Median PS Value is ranked higher than
86% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SVBI: 0.99 )
SVBI' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 10.93
Current: 0.99

0.47
10.93
Earnings Yield (Greenblatt) 1.70
SVBI's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SVBI: 1.70 )
SVBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 9.8
Current: 1.7

0.7
9.8
Forward Rate of Return (Yacktman) 16.19
SVBI's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. SVBI: 16.19 )
SVBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.1   Max: 33.7
Current: 16.19

11.1
33.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Severn Bancorp Inc was incorporated under the laws of the State of Maryland in 1990. It is a savings and loan holding company, which conducts its business through two subsidiaries Severn Savings Bank, FSB and SBI Mortgage Company. Its subsidiary Louis Hyatt, Inc., operates as commercial and real estate brokerage and property management company and SBI Mortgage Company, which holds mortgages that do not meet the underwriting criteria of the bank, and is the parent company of Crownsville Development Corporation, which acquires real estate for syndication and investment purposes. The bank operates four full-service branch offices and one administrative office. It operates as a federally chartered savings bank whose main business is attracting deposits from the general public and investing those funds in mortgage and commercial loans. The bank also uses advances or loans, from the Federal Home Loan Bank of Atlanta, to fund its mortgage activities. The bank provides retail and mortgage banking services. The bank's primary sources of funds are deposits, advances from the FHLB-Atlanta, principal amortization and prepayment of its loans. Deposit services include checking, savings, money market, time deposit and individual retirement accounts. Loan services include various types of real estate, consumer, and commercial lending. The bank also provides safe deposit boxes, ATMs, debit cards, and internet and telephone banking. The bank's revenues are derived from interest earned on mortgage, commercial and other loans and fees charged in connection with the loans and banking services. It operates in Anne Arundel County, Maryland and, to a lesser extent, other parts of Maryland, Delaware and Virginia. The Company competes with a number of local, regional and national financial institutions for customers. The relationship between the bank and depositors and borrowers is also regulated by federal and state laws, in the matters of savings accounts and the form and content of mortgage documents utilized by the bank.
» More Articles for SVBI

Headlines

Articles On GuruFocus.com
comment on SVBI May 03 2013 
comment on SVBI Apr 20 2013 
Severn Bancorp Inc Reports Operating Results (10-K) Mar 15 2011 
Severn Bancorp Inc Reports Operating Results (10-Q) Nov 10 2010 
Severn Bancorp Inc Reports Operating Results (10-Q) Aug 13 2010 
Severn Bancorp Inc Reports Operating Results (10-Q) May 14 2010 
Severn Bancorp Inc (SVBI) COO Philip V. Jr Jones buys 1,924 Shares Dec 02 2009 
Severn Bancorp Inc Reports Operating Results (10-Q) Nov 12 2009 
Severn Bancorp Inc (svbi) COO Philip V. Jr Jones buys 1,000 Shares Aug 14 2009 
Severn Bancorp Inc Reports Operating Results (10-Q) Aug 13 2009 

More From Other Websites
SEVERN BANCORP INC Financials Aug 22 2014
SEVERN BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 13 2014
SEVERN BANCORP INC Files SEC form 8-K/A, Results of Operations and Financial Condition, Financial... Aug 04 2014
Severn Bancorp, Inc. Announces Adjustment to Reported Results for Second Quarter 2014 Aug 01 2014
SEVERN BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 16 2014
Severn Bancorp, Inc. Announces Quarterly Results Hold Steady Jul 15 2014
SEVERN BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 19 2014
Severn Savings Bank Appoints Chief Operating Officer Jun 19 2014
SEVERN BANCORP INC Files SEC form 10-Q, Quarterly Report May 14 2014
SEVERN BANCORP INC Files SEC form 8-K/A, Submission of Matters to a Vote of Security Holders May 07 2014
SEVERN BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 30 2014
SEVERN BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 16 2014
Severn Bancorp, Inc. Announces First Quarter Earnings Apr 16 2014
SEVERN BANCORP INC Files SEC form 10-K, Annual Report Mar 18 2014
SEVERN BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 24 2014
Severn Bancorp Announces Fourth Quarter Results and Significant Reduction in Non-Performing Assets Jan 24 2014
Severn Bancorp Announces Fourth Quarter Results and Significant Reduction in Non-Performing Assets Jan 24 2014
SEVERN BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 03 2014
Severn Bancorp, Inc. Announces Additional Sale of Loans Jan 03 2014
SEVERN BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 13 2013
SEVERN BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 21 2013
Severn Bancorp, Inc. Announces Quarterly Loss Resulting from Activities to Clean Up Balance Sheet Oct 21 2013
Severn Bancorp: Sifting Through 'Icky' Sep 29 2013
SEVERN BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 27 2013

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