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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 N/A
SVBI's Cash to Debt is ranked higher than
91% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SVBI: N/A )
Ranked among companies with meaningful Cash to Debt only.
SVBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.23 Max: N/A
Current: N/A
Equity to Asset 0.11
SVBI's Equity to Asset is ranked higher than
61% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SVBI: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
SVBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.13
Current: 0.11
0.08
0.13
Interest Coverage 0.51
SVBI's Interest Coverage is ranked lower than
80% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. SVBI: 0.51 )
Ranked among companies with meaningful Interest Coverage only.
SVBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.34 Max: 1.07
Current: 0.51
0.13
1.07
F-Score: 4
WACC vs ROIC
7.51%
3.01%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 16.36
SVBI's Operating margin (%) is ranked lower than
81% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. SVBI: 16.36 )
Ranked among companies with meaningful Operating margin (%) only.
SVBI' s Operating margin (%) Range Over the Past 10 Years
Min: -187.88  Med: 9.74 Max: 61.91
Current: 16.36
-187.88
61.91
Net-margin (%) 16.04
SVBI's Net-margin (%) is ranked lower than
72% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. SVBI: 16.04 )
Ranked among companies with meaningful Net-margin (%) only.
SVBI' s Net-margin (%) Range Over the Past 10 Years
Min: -83.5  Med: 11.37 Max: 290.13
Current: 16.04
-83.5
290.13
ROE (%) 3.92
SVBI's ROE (%) is ranked lower than
80% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SVBI: 3.92 )
Ranked among companies with meaningful ROE (%) only.
SVBI' s ROE (%) Range Over the Past 10 Years
Min: -27.75  Med: 1.37 Max: 21.91
Current: 3.92
-27.75
21.91
ROA (%) 0.70
SVBI's ROA (%) is ranked lower than
61% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SVBI: 0.70 )
Ranked among companies with meaningful ROA (%) only.
SVBI' s ROA (%) Range Over the Past 10 Years
Min: -3.05  Med: 0.40 Max: 1.87
Current: 0.7
-3.05
1.87
Revenue Growth (3Y)(%) -4.50
SVBI's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SVBI: -4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SVBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -43  Med: 2.85 Max: 130
Current: -4.5
-43
130
» SVBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

SVBI Guru Trades in Q4 2014

Arnold Schneider 82,931 sh (unchged)
» More
Q1 2015

SVBI Guru Trades in Q1 2015

Arnold Schneider 82,931 sh (unchged)
» More
Q2 2015

SVBI Guru Trades in Q2 2015

Arnold Schneider 82,931 sh (unchged)
» More
Q3 2015

SVBI Guru Trades in Q3 2015

Arnold Schneider 82,492 sh (-0.53%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 18.70
SVBI's P/E(ttm) is ranked lower than
83% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. SVBI: 18.70 )
Ranked among companies with meaningful P/E(ttm) only.
SVBI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.9  Med: 11.85 Max: 83.17
Current: 18.7
5.9
83.17
Forward P/E 8.12
SVBI's Forward P/E is ranked higher than
62% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. SVBI: 8.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.40
SVBI's PE(NRI) is ranked lower than
83% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SVBI: 19.40 )
Ranked among companies with meaningful PE(NRI) only.
SVBI' s PE(NRI) Range Over the Past 10 Years
Min: 5.91  Med: 11.88 Max: 98.6
Current: 19.4
5.91
98.6
P/B 0.59
SVBI's P/B is ranked higher than
75% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SVBI: 0.59 )
Ranked among companies with meaningful P/B only.
SVBI' s P/B Range Over the Past 10 Years
Min: 0.21  Med: 0.56 Max: 2.7
Current: 0.59
0.21
2.7
P/S 1.79
SVBI's P/S is ranked higher than
68% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. SVBI: 1.79 )
Ranked among companies with meaningful P/S only.
SVBI' s P/S Range Over the Past 10 Years
Min: 0.75  Med: 1.67 Max: 8.92
Current: 1.79
0.75
8.92
PFCF 12.63
SVBI's PFCF is ranked lower than
72% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. SVBI: 12.63 )
Ranked among companies with meaningful PFCF only.
SVBI' s PFCF Range Over the Past 10 Years
Min: 1.45  Med: 12.40 Max: 63.27
Current: 12.63
1.45
63.27
POCF 11.74
SVBI's POCF is ranked lower than
75% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SVBI: 11.74 )
Ranked among companies with meaningful POCF only.
SVBI' s POCF Range Over the Past 10 Years
Min: 1.44  Med: 6.23 Max: 33.43
Current: 11.74
1.44
33.43
EV-to-EBIT 28.29
SVBI's EV-to-EBIT is ranked lower than
83% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. SVBI: 28.29 )
Ranked among companies with meaningful EV-to-EBIT only.
SVBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -41.9  Med: 13.70 Max: 149.7
Current: 28.29
-41.9
149.7
EV-to-EBITDA 26.82
SVBI's EV-to-EBITDA is ranked lower than
85% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. SVBI: 26.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
SVBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -58.6  Med: 11.70 Max: 49.1
Current: 26.82
-58.6
49.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.59
SVBI's Price/Tangible Book is ranked higher than
79% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SVBI: 0.59 )
Ranked among companies with meaningful Price/Tangible Book only.
SVBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.23  Med: 0.60 Max: 3.34
Current: 0.59
0.23
3.34
Price/Projected FCF 0.42
SVBI's Price/Projected FCF is ranked higher than
73% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SVBI: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
SVBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.36 Max: 1.42
Current: 0.42
0.17
1.42
Price/Median PS Value 1.07
SVBI's Price/Median PS Value is ranked lower than
73% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SVBI: 1.07 )
Ranked among companies with meaningful Price/Median PS Value only.
SVBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.47  Med: 1.02 Max: 11.08
Current: 1.07
0.47
11.08
Price/Graham Number 0.72
SVBI's Price/Graham Number is ranked higher than
56% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SVBI: 0.72 )
Ranked among companies with meaningful Price/Graham Number only.
SVBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.36  Med: 0.96 Max: 1.61
Current: 0.72
0.36
1.61
Earnings Yield (Greenblatt) (%) 3.50
SVBI's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SVBI: 3.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SVBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 4.80 Max: 13.2
Current: 3.5
0.7
13.2

More Statistics

Revenue(Mil) $28
EPS $ 0.22
Beta0.65
Short Percentage of Float0.02%
52-Week Range $4.25 - 5.88
Shares Outstanding(Mil)10.09

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
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 
Severn Bancorp Inc Reports Operating Results (10-Q) May 14 2009 

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