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4.7 (1y: +49%)
Market Cap 46.23 M P/E(ttm) 19.30
Enterprise Value 185.35 M P/B 0.40
SVBI- NAS (USA)
Severn Bancorp Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$4.70
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.671
SVBI's Cash to Debt is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SVBI: 0.671 )
SVBI' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.67
Equity to Asset 0.128
SVBI's Equity to Asset is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SVBI: 0.128 )
SVBI' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.13
Current: 0.13
0.03
0.13
Interest Coverage No Debt
SVBI's Interest Coverage is ranked lower than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SVBI: No Debt )
SVBI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 20.70
SVBI's Operating margin (%) is ranked lower than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. SVBI: 20.70 )
SVBI' s 10-Year Operating margin (%) Range
Min: -86.4   Max: 116.3
Current: 20.7
-86.4
116.3
Net-margin (%) 12.1
SVBI's Net-margin (%) is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SVBI: 12.1 )
SVBI' s 10-Year Net-margin (%) Range
Min: -52.3   Max: 83.7
Current: 12.1
-52.3
83.7
ROE (%) 3.4
SVBI's ROE (%) is ranked lower than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SVBI: 3.4 )
SVBI' s 10-Year ROE (%) Range
Min: -14.3   Max: 23.1
Current: 3.4
-14.3
23.1
ROA (%) 0.4
SVBI's ROA (%) is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SVBI: 0.4 )
SVBI' s 10-Year ROA (%) Range
Min: -1.6   Max: 2.1
Current: 0.4
-1.6
2.1
Revenue Growth (%) 1.4
SVBI's Revenue Growth (%) is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SVBI: 1.4 )
SVBI' s 10-Year Revenue Growth (%) Range
Min: -8.8   Max: 19.1
Current: 1.4
-8.8
19.1
ยป SVBI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

SVBI Guru Trades in Q2 2012

Arnold Schneider 74,881 sh (unchged)
» More
Q3 2012

SVBI Guru Trades in Q3 2012

Arnold Schneider 74,881 sh (unchged)
» More
Q4 2012

SVBI Guru Trades in Q4 2012

Arnold Schneider 75,081 sh (+0.27%)
» More
Q1 2013

SVBI Guru Trades in Q1 2013

Arnold Schneider 77,381 sh (+3.06%)
» More
» Details

Insider Trades

Latest Guru Trades with SVBI



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 19.30
SVBI's P/E(ttm) is ranked lower than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SVBI: 19.30 )
SVBI' s 10-Year P/E(ttm) Range
Min: 6.69   Max: 103.96
Current: 19.3
6.69
103.96
P/B 0.40
SVBI's P/B is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SVBI: 0.40 )
SVBI' s 10-Year P/B Range
Min: 0.21   Max: 3.28
Current: 0.4
0.21
3.28
P/S 1.51
SVBI's P/S is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SVBI: 1.51 )
SVBI' s 10-Year P/S Range
Min: 0.75   Max: 5.93
Current: 1.51
0.75
5.93
PFCF 8.20
SVBI's PFCF is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SVBI: 8.20 )
SVBI' s 10-Year PFCF Range
Min: 1.45   Max: 158.52
Current: 8.2
1.45
158.52
EV-to-EBIT 28.6
SVBI's EV-to-EBIT is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SVBI: 28.6 )
SVBI' s 10-Year EV-to-EBIT Range
Min: 5   Max: 149.7
Current: 28.6
5
149.7
Shiller P/E 115
SVBI's Shiller P/E is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. SVBI: 115 )
SVBI' s 10-Year Shiller P/E Range
Min: 2.59   Max: 115
Current: 115
2.59
115

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.4
SVBI's Price/Tangible Book is ranked lower than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SVBI: 0.4 )
SVBI' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 26.6
Current: 0.4
0.2
26.6
Price/DCF (Projected) 0.3
SVBI's Price/DCF (Projected) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. SVBI: 0.3 )
SVBI' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.4
Current: 0.3
0.1
0.4
Price/Median PS Value 0.6
SVBI's Price/Median PS Value is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SVBI: 0.6 )
SVBI' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 2.4
Current: 0.6
0.3
2.4
Price/Graham Number 0.5
SVBI's Price/Graham Number is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SVBI: 0.5 )
SVBI' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.5
Current: 0.5
0.3
1.5
Earnings Yield (Greenblatt) 3.50
SVBI's Earnings Yield (Greenblatt) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SVBI: 3.50 )
SVBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 20.1
Current: 3.5
0.7
20.1
Forward Rate of Return (Yacktman) 17.1
SVBI's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. SVBI: 17.1 )
SVBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10.5   Max: 40.1
Current: 17.1
10.5
40.1

Business Description

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, its main subsidiary; Louis Hyatt, Inc., a commercial 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 a range of retail and mortgage banking services. The Bank's revenues are derived principally from interest earned on mortgage, commercial and other loans, and fees charged in connection with the loans and 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. Its main market is 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, especially in such matters as the ownership of savings accounts and the form and content of mortgage documents utilized by the Bank.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for SVBI

Headlines

Articles On GuruFocus.com
Severn Bancorp Inc Reports Operating Results (10-K) Mar 15 2011 
Opportunities in Micro Cap Financials Nov 26 2010 
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 
Severn Bancorp Inc Reports Operating Results (10-Q) May 14 2009 

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