NAS:SIFI (USA)

SI Financial Group Inc

$ 14.86 0 (0%)
Volume: 0 Avg Vol (1m): 44,689
Market Cap $: 178.83 Mil Enterprise Value $: 78.90 Mil
P/E (TTM): 16.51 P/B: 1.00
Earnings Power Value 7.06
Net Current Asset Value 0
Tangible Book 13.53
Projected FCF 22.5
Median P/S Value 13.61
Graham Number 16.55
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3.8/10

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.
Current vs industry vs history
Cash-to-Debt 0.76
Cash-To-Debt range over the past 10 years
Min: 0.09, Med: 0.29, Max: 10000
Current: 0.76
0.09
10000
Equity-to-Asset 0.10
Equity-to-Asset range over the past 10 years
Min: 0.06, Med: 0.11, Max: 0.14
Current: 0.1
0.06
0.14
Debt-to-Equity 0.91
Debt-to-Equity range over the past 10 years
Min: 0.81, Med: 1.22, Max: 24.9
Current: 0.91
0.81
24.9
Debt-to-EBITDA 2.99
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 2.99
Current: 2.99
0
2.99
Beneish M-Score -2.44
Not Manipulator
Manipulator

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 20.02
Net Margin range over the past 10 years
Min: -2.25, Med: 8.55, Max: 21.4
Current: 20.02
-2.25
21.4
ROE % 6.25
ROE range over the past 10 years
Min: -0.61, Med: 2.82, Max: 7.09
Current: 6.25
-0.61
7.09
ROA % 0.66
ROA range over the past 10 years
Min: -0.07, Med: 0.32, Max: 0.75
Current: 0.66
-0.07
0.75
3-Year Total Revenue Growth Rate 5.20
3-Year Revenue Growth Rate range over the past 10 years
Min: -0.3, Med: 6.9, Max: 87.5
Current: 5.5
-0.3
87.5
3-Year EPS w/o NRI Growth Rate 30.50
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -24.1, Max: 48.5
Current: 30.5
0
48.5

» SIFI's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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Business Description

Industry Banks » Banks    NAICS : 522120    SIC : 6035
Compare NAS:FNWB OSL:SADG NAS:ESSA NAS:MLVF NAS:FCAP NAS:PBIP PHS:PBB NAS:RVSB NAS:PROV OTCPK:NWIN NAS:OFED NAS:HFBC MAL:LOM NAS:ICBK NAS:TSBK NAS:GCBC NAS:HMNF AMEX:BKJ OTCPK:SFDL OTCPK:BHWB
Traded in other countries
Address 803 Main Street, Willimantic, CT, USA, 06226
SI Financial Group Inc is a holding company for Savings Institute Bank and Trust Company. It operates as a community-oriented financial institution offering a range of financial services to consumers and businesses in its market area, including insurance, trust and investment services. The Bank accepts deposits from the general public and uses those funds to originate one- to four-family residential mortgage loans, multi-family and commercial real estate loans, commercial business loans, and construction and consumer loans. In addition, it also purchases commercial business loans, including loans fully guaranteed by the Small Business Administration and the United States Department of Agriculture. Geographically all the business activity is primarily functioned through the region of US.

Ratios

Current vs industry vs history
PE Ratio (TTM) 16.51
PE Ratio range over the past 10 years
Min: 12.7, Med: 33.41, Max: 204.67
Current: 16.51
12.7
204.67
PE Ratio without NRI 16.51
PE without NRI range over the past 10 years
Min: 12.7, Med: 33.41, Max: 204.67
Current: 16.51
12.7
204.67
Price-to-Owner-Earnings 13.45
Price-to-Owner-Earnings range over the past 10 years
Min: 9.68, Med: 22.68, Max: 67.55
Current: 13.45
9.68
67.55
PB Ratio 1.00
PB Ratio range over the past 10 years
Min: 0.56, Med: 0.95, Max: 1.43
Current: 1
0.56
1.43
PS Ratio 3.30
PS Ratio range over the past 10 years
Min: 1.16, Med: 3.02, Max: 3.86
Current: 3.3
1.16
3.86
Price-to-Free-Cash-Flow 10.42
Price-to-Free-Cash-Flow range over the past 10 years
Min: 6.99, Med: 13.38, Max: 65.94
Current: 10.42
6.99
65.94
Price-to-Operating-Cash-Flow 9.31
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 6.33, Med: 10.78, Max: 44.92
Current: 9.31
6.33
44.92
EV-to-Revenue 1.48
EV-to-Revenue range over the past 10 years
Min: 0.9, Med: 5.1, Max: 9.2
Current: 1.48
0.9
9.2
Shiller PE Ratio 37.31
Shiller PE Ratio range over the past 10 years
Min: 31.65, Med: 68.18, Max: 94.07
Current: 37.31
31.65
94.07

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.62
Trailing Dividend Yield range over the past 10 years
Min: 0.43, Med: 1.15, Max: 4.6
Current: 1.62
0.43
4.6
Dividend Payout Ratio 0.27
Dividend Payout Ratio range over the past 10 years
Min: 0.17, Med: 0.39, Max: 1.09
Current: 0.27
0.17
1.09
3-Year Dividend Growth Rate (Per Share) 14.50
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: -13.3, Max: 18.6
Current: 14.5
0
18.6
Forward Dividend Yield % 1.62
N/A
Yield-on-Cost (5-Year) % 3.32
Yield-on-Cost (5y) range over the past 10 years
Min: 0.88, Med: 2.35, Max: 9.41
Current: 3.32
0.88
9.41
3-Year Share Buyback Rate 0.90
3-Year Share Buyback Rate range over the past 10 years
Min: -6.5, Med: 1.05, Max: 5
Current: 0.9
-6.5
5

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.10
Price-to-Tangible-Book range over the past 10 years
Min: 0.69, Med: 1.13, Max: 1.93
Current: 1.1
0.69
1.93
Price-to-Projected-FCF 0.66
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.54, Med: 0.73, Max: 3.63
Current: 0.66
0.54
3.63
Price-to-Median-PS-Value 1.09
Price-to-Median-PS-Value range over the past 10 years
Min: 0.09, Med: 1.03, Max: 1.79
Current: 1.09
0.09
1.79
Price-to-Graham-Number 0.90
Price-to-Graham-Number range over the past 10 years
Min: 0.78, Med: 1.36, Max: 2.99
Current: 0.9
0.78
2.99

More Statistics

Revenue (TTM) (Mil) $ 53.4
EPS (TTM) $ 0.9
Beta 0
Volatility % 26.57
52-Week Range $ 12.26 - 15.6
Shares Outstanding (Mil) 12.03

Analyst Estimate

Piotroski F-Score Details