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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 0.65
SAL's Cash-to-Debt is ranked lower than
71% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. SAL: 0.65 )
Ranked among companies with meaningful Cash-to-Debt only.
SAL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.28 Max: N/A
Current: 0.65
Equity-to-Asset 0.10
SAL's Equity-to-Asset is ranked lower than
51% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SAL: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
SAL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.13
Current: 0.1
0.08
0.13
Interest Coverage 2.43
SAL's Interest Coverage is ranked higher than
60% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. SAL: 2.43 )
Ranked among companies with meaningful Interest Coverage only.
SAL' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 1.04 Max: 3.97
Current: 2.43
0.06
3.97
Beneish M-Score: -2.72
WACC vs ROIC
6.21%
6.42%
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 % 24.11
SAL's Operating Margin % is ranked lower than
68% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. SAL: 24.11 )
Ranked among companies with meaningful Operating Margin % only.
SAL' s Operating Margin % Range Over the Past 10 Years
Min: 3.81  Med: 19.85 Max: 30.93
Current: 24.11
3.81
30.93
Net Margin % 17.33
SAL's Net Margin % is ranked lower than
69% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. SAL: 17.33 )
Ranked among companies with meaningful Net Margin % only.
SAL' s Net Margin % Range Over the Past 10 Years
Min: 6.15  Med: 16.32 Max: 21.76
Current: 17.33
6.15
21.76
ROE % 7.21
SAL's ROE % is ranked lower than
62% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. SAL: 7.21 )
Ranked among companies with meaningful ROE % only.
SAL' s ROE % Range Over the Past 10 Years
Min: 2.62  Med: 5.73 Max: 8.55
Current: 7.21
2.62
8.55
ROA % 0.74
SAL's ROA % is ranked lower than
61% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. SAL: 0.74 )
Ranked among companies with meaningful ROA % only.
SAL' s ROA % Range Over the Past 10 Years
Min: 0.23  Med: 0.68 Max: 0.97
Current: 0.74
0.23
0.97
3-Year Revenue Growth Rate -1.80
SAL's 3-Year Revenue Growth Rate is ranked lower than
78% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SAL: -1.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SAL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -40.1  Med: 5.3 Max: 12.8
Current: -1.8
-40.1
12.8
3-Year EBITDA Growth Rate 2.50
SAL's 3-Year EBITDA Growth Rate is ranked lower than
61% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SAL: 2.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SAL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -40.7  Med: 2.9 Max: 58.9
Current: 2.5
-40.7
58.9
3-Year EPS without NRI Growth Rate 1.60
SAL's 3-Year EPS without NRI Growth Rate is ranked lower than
65% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SAL: 1.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SAL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.8  Med: 6.4 Max: 47.5
Current: 1.6
-38.8
47.5
GuruFocus has detected 4 Warning Signs with Salisbury Bancorp Inc $SAL.
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» SAL's 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NAS:LARK, NAS:MPB, NAS:OVLY, NAS:CBAN, OTCPK:MNAT, OTCPK:CABC, OTCPK:CPKF, OTCPK:EFSI, OTCPK:FDBC, OTCPK:EMYB, NAS:FSFG, NAS:CBFV, OTCPK:KTYB, NAS:HWBK, OTCPK:HLAN, NAS:ACFC, NAS:FUNC, OTCPK:CHBH, NAS:CIZN, OTCPK:OPBK » details
Headquarter Location:USA
Salisbury Bancorp Inc is a holding company. The Company, together with its subsidiary, provides commercial banking, consumer financing, retail banking & trust and wealth advisory services through bank offices and ATMs.

Salisbury Bancorp Inc is a Connecticut corporation that was organized on April 24, 1998. The Company is a bank holding company for Salisbury Bank or the Bank. The Company, together with its subsidiary, provides commercial banking, consumer financing, retail banking and trust and wealth advisory services through a network of eight banking offices and eight ATMs located in Litchfield County, Connecticut, Dutchess County, New York and Berkshire County, Massachusetts and through its internet website. Its lending activities include: The Bank originates commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one-to-four family residences, home equity lines of credit and fixed rate loans and other consumer loans predominately in Connecticuts Litchfield County, Massachusetts Berkshire County and New Yorks Dutchess County in towns proximate to the Banks eight full service offices. A main lending activity of the Bank is to originate prime loans secured by first mortgages on one-to-four family residences. The Bank originates residential real estate loans through commissioned mortgage originators. The Bank originates both fixed rate and adjustable rate mortgages. The Bank originates both residential and commercial construction loans. The Bank originates types of consumer loans, including home equity loans and lines of credit, auto, and personal installment loans. Home equity loans and lines of credit are secured by one-to-four family owner-occupied properties, typically by second mortgages. Home equity loans have fixed interest rates, while home equity lines of credit adjust based on the Banks base rate of interest. Consumer loans are originated through the branch network. The Bank provides fiduciary and trust services and general investment management and wealth advisory services to individuals, families and institutions. The Bank faces competition in attracting and retaining deposits and in making loans. It is subject to regulation and regular examinations by the Federal Reserve System.

Ratios

vs
industry
vs
history
PE Ratio 16.80
SAL's PE Ratio is ranked lower than
60% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SAL: 16.80 )
Ranked among companies with meaningful PE Ratio only.
SAL' s PE Ratio Range Over the Past 10 Years
Min: 9.28  Med: 14.05 Max: 44.93
Current: 16.8
9.28
44.93
Forward PE Ratio 16.67
SAL's Forward PE Ratio is ranked lower than
54% of the 382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.05 vs. SAL: 16.67 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.80
SAL's PE Ratio without NRI is ranked lower than
60% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. SAL: 16.80 )
Ranked among companies with meaningful PE Ratio without NRI only.
SAL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.28  Med: 14.03 Max: 44.93
Current: 16.8
9.28
44.93
Price-to-Owner-Earnings 12.96
SAL's Price-to-Owner-Earnings is ranked higher than
56% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SAL: 12.96 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SAL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.92  Med: 12.37 Max: 75.38
Current: 12.96
3.92
75.38
PB Ratio 1.19
SAL's PB Ratio is ranked higher than
50% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SAL: 1.19 )
Ranked among companies with meaningful PB Ratio only.
SAL' s PB Ratio Range Over the Past 10 Years
Min: 0.68  Med: 0.9 Max: 1.48
Current: 1.19
0.68
1.48
PS Ratio 2.89
SAL's PS Ratio is ranked higher than
60% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SAL: 2.89 )
Ranked among companies with meaningful PS Ratio only.
SAL' s PS Ratio Range Over the Past 10 Years
Min: 1.53  Med: 2.07 Max: 3.8
Current: 2.89
1.53
3.8
Price-to-Free-Cash-Flow 11.04
SAL's Price-to-Free-Cash-Flow is ranked higher than
54% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. SAL: 11.04 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SAL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.54  Med: 11.46 Max: 67.3
Current: 11.04
1.54
67.3
Price-to-Operating-Cash-Flow 9.93
SAL's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. SAL: 9.93 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SAL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.18  Med: 9.73 Max: 23.49
Current: 9.93
4.18
23.49
EV-to-EBIT 14.43
SAL's EV-to-EBIT is ranked lower than
58% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. SAL: 14.43 )
Ranked among companies with meaningful EV-to-EBIT only.
SAL' s EV-to-EBIT Range Over the Past 10 Years
Min: -189.3  Med: 13.45 Max: 177
Current: 14.43
-189.3
177
EV-to-EBITDA 11.87
SAL's EV-to-EBITDA is ranked lower than
54% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. SAL: 11.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -236.4  Med: 10.5 Max: 186.9
Current: 11.87
-236.4
186.9
PEG Ratio 6.00
SAL's PEG Ratio is ranked lower than
88% of the 821 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. SAL: 6.00 )
Ranked among companies with meaningful PEG Ratio only.
SAL' s PEG Ratio Range Over the Past 10 Years
Min: 0.19  Med: 1.19 Max: 121.67
Current: 6
0.19
121.67
Shiller PE Ratio 19.55
SAL's Shiller PE Ratio is ranked higher than
54% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. SAL: 19.55 )
Ranked among companies with meaningful Shiller PE Ratio only.
SAL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.09  Med: 11.23 Max: 19.78
Current: 19.55
8.09
19.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.73
SAL's Dividend Yield % is ranked higher than
52% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. SAL: 2.73 )
Ranked among companies with meaningful Dividend Yield % only.
SAL' s Dividend Yield % Range Over the Past 10 Years
Min: 2.61  Med: 3.83 Max: 5.26
Current: 2.73
2.61
5.26
Dividend Payout Ratio 0.46
SAL's Dividend Payout Ratio is ranked lower than
70% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SAL: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SAL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.37  Med: 0.51 Max: 1.7
Current: 0.46
0.37
1.7
Forward Dividend Yield % 2.70
SAL's Forward Dividend Yield % is ranked lower than
53% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. SAL: 2.70 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.73
SAL's 5-Year Yield-on-Cost % is ranked lower than
59% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. SAL: 2.73 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SAL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.61  Med: 3.83 Max: 5.26
Current: 2.73
2.61
5.26
3-Year Average Share Buyback Ratio -17.30
SAL's 3-Year Average Share Buyback Ratio is ranked lower than
86% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SAL: -17.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SAL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -77.7  Med: -0.2 Max: 3.1
Current: -17.3
-77.7
3.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.40
SAL's Price-to-Tangible-Book is ranked lower than
56% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. SAL: 1.40 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SAL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.88  Med: 1.32 Max: 2.49
Current: 1.4
0.88
2.49
Price-to-Intrinsic-Value-Projected-FCF 0.80
SAL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
52% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. SAL: 0.80 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SAL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.65 Max: 2.48
Current: 0.8
0.31
2.48
Price-to-Median-PS-Value 1.40
SAL's Price-to-Median-PS-Value is ranked lower than
74% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SAL: 1.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SAL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.75  Med: 1.29 Max: 3.53
Current: 1.4
0.75
3.53
Price-to-Graham-Number 1.02
SAL's Price-to-Graham-Number is ranked lower than
56% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SAL: 1.02 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SAL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.64  Med: 0.9 Max: 1.74
Current: 1.02
0.64
1.74
Earnings Yield (Greenblatt) % 6.94
SAL's Earnings Yield (Greenblatt) % is ranked higher than
56% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. SAL: 6.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SAL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1.6  Med: 6.9 Max: 22.6
Current: 6.94
-1.6
22.6
Forward Rate of Return (Yacktman) % 11.10
SAL's Forward Rate of Return (Yacktman) % is ranked higher than
50% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. SAL: 11.10 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SAL' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -39.2  Med: 7.85 Max: 81.3
Current: 11.1
-39.2
81.3

More Statistics

Revenue (TTM) (Mil) $39.14
EPS (TTM) $ 2.44
Beta0.63
Short Percentage of Float0.14%
52-Week Range $29.65 - 42.45
Shares Outstanding (Mil)2.78

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.49 2.72
EPS without NRI ($) 2.49 2.72
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.12 1.12
» More Articles for SAL

Headlines

Articles On GuruFocus.com
Salisbury Bank and Trust Company Completes Its Purchase and Assumption of the New Paltz, New York Br Jun 05 2017 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Nov 15 2010 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Aug 09 2010 
Salisbury Bancorp Inc Reports Operating Results (10-Q) May 17 2010 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Nov 16 2009 
Salisbury Bancorp Inc Reports Operating Results (10-Q) Aug 14 2009 
Salisbury Bancorp Inc Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
ETFs with exposure to Salisbury Bancorp, Inc. : June 26, 2017 Jun 26 2017
Salisbury to Present at FIG Partners Community Bank Forum Jun 26 2017
Salisbury Bancorp, Inc. :SAL-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017 Jun 09 2017
Salisbury Bank and Trust Company Completes Its Purchase and Assumption of the New Paltz, New York... Jun 05 2017
Salisbury Bancorp, Inc. : SAL-US: Dividend Analysis : May 12th, 2017 (record date) : By the numbers... May 10 2017
Salisbury Bancorp posts 1Q profit Apr 28 2017
Salisbury Bancorp, Inc. Reports Results for First Quarter 2017; Declares 28 Cent Dividend Apr 28 2017
ETFs with exposure to Salisbury Bancorp, Inc. : April 24, 2017 Apr 24 2017
Salisbury Bancorp, Inc. :SAL-US: Earnings Analysis: Q4, 2016 By the Numbers : April 4, 2017 Apr 04 2017
Salisbury Bancorp, Inc. :SAL-US: Earnings Analysis: 2016 By the Numbers : February 9, 2017 Feb 09 2017
Salisbury Bancorp, Inc. : SAL-US: Dividend Analysis : November 11th, 2016 (record date) : By the... Jan 09 2017
Salisbury Bancorp, Inc. :SAL-US: Earnings Analysis: Q2, 2016 By the Numbers : August 4, 2016 Aug 04 2016
Salisbury Bancorp Q2 Profit Drops 15% Jul 29 2016

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