SBT Bancorp (SBT Bancorp) Change In Receivables : $-0.19 Mil (TTM As of Dec. 2017)

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What is SBT Bancorp Change In Receivables?

SBT Bancorp's change in receivables for the quarter that ended in Dec. 2017 was $0.08 Mil. It means SBT Bancorp's Accounts Receivable declined by $0.08 Mil from Sep. 2017 to Dec. 2017 .

SBT Bancorp's change in receivables for the fiscal year that ended in Dec. 2017 was $-0.19 Mil. It means SBT Bancorp's Accounts Receivable increased by $0.19 Mil from Dec. 2016 to Dec. 2017 .

SBT Bancorp's Accounts Receivable for the quarter that ended in Dec. 2017 was $1.40 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. SBT Bancorp's Days Sales Outstanding for the three months ended in Dec. 2017 was 27.86.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. SBT Bancorp's liquidation value for the three months ended in Dec. 2017 was $-380.54 Mil.

SBT Bancorp Change In Receivables Historical Data

The historical data trend for SBT Bancorp's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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SBT Bancorp Change In Receivables Chart

SBT Bancorp Annual Data

Trend

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Change In Receivables

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-0.20

0.16

-0.05

-0.03

-0.19

SBT Bancorp Quarterly Data
	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17
Change In Receivables	Get a 7-Day Free Trial															-0.04	-0.02	-0.20	-0.05	0.08

SBT Bancorp Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2017 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.19 Mil.

SBT Bancorp (OTCPK:SBTB) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

SBT Bancorp's Days Sales Outstanding for the quarter that ended in Dec. 2017 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	1.402	/	4.592	*	91
=	27.86

2. In Ben Graham's calculation of liquidation value, SBT Bancorp's accounts receivable are only considered to be worth 75% of book value:

SBT Bancorp's liquidation value for the quarter that ended in Dec. 2017 is calculated as:

	Liquidation Value
=	Cash, Cash Equivalents, Marketable Securities	-	Total Liabilities	+	(0.75 * Accounts Receivable)	+	(0.5 * Total Inventories)
=	90.213	-	471.806	+	0.75 * 1.402	+	0.5 * 0
=	-380.54

SBT Bancorp Change In Receivables Related Terms

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SBT Bancorp (SBT Bancorp) Business Description

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GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » SBT Bancorp Inc (OTCPK:SBTB) » Definitions » Change In Receivables

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Traded in Other Exchanges

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Address

86 Hopmeadow Street, Weatogue, CT, USA, 06089

Website

http://www.simsburybank.com

SBT Bancorp Inc is the holding company for The Simsbury Bank & Trust Company Inc. The bank offers commercial banking services to residents and businesses through commercial loans and residential mortgage programs as well as home equity lines and loans, FDIC-insured checking, savings, and IRA accounts, 401(k) rollover accounts, and safe deposit and other customary non-deposit banking services. The bank also offers investment products to customers through SBT Investment Services, Inc. The Bank serves customers locally through branches in Avon, Bloomfield, Granby, Simsbury and West Hartford and regionally through mortgage and commercial bankers active throughout Southern New England.

Executives

Michael L. Hammer

other: Simsbury Bank & Trust Director

C/O HV BANCORP, INC., 2005 SOUTH EASTON ROAD, SUITE 304, DOYLESTOWN PA 18901

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