AMEX:SGB (USA)

Southwest Georgia Financial Corp

$ 20.6 0 (0%)
Volume: 59 Avg Vol (1m): 1,212
Market Cap $: 52.44 Mil Enterprise Value $: -55,050,000.00
P/E (TTM): 11.19 P/B: 1.15
Earnings Power Value 35.68
Net Current Asset Value 0
Tangible Book 17.78
Projected FCF 27.18
Median P/S Value 17.16
Graham Number 27.13
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4.6/10

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 3.78
Cash-To-Debt range over the past 10 years
Min: 0.28, Med: 0.77, Max: 3.78
Current: 3.78
0.28
3.78
Equity-to-Asset 0.08
Equity-to-Asset range over the past 10 years
Min: 0.08, Med: 0.1, Max: 0.14
Current: 0.08
0.08
0.14
Debt-to-Equity 0.30
Debt-to-Equity range over the past 10 years
Min: 0.26, Med: 0.83, Max: 1.27
Current: 0.3
0.26
1.27
Debt-to-EBITDA 0.60
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.6
Current: 0.6
0
0.6
Beneish M-Score -2.24
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 5.68%

Profitability & Growth : 4/10

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 % 20.30
Net Margin range over the past 10 years
Min: 9.09, Med: 15.66, Max: 20.69
Current: 20.3
9.09
20.69
ROE % 10.82
ROE range over the past 10 years
Min: 5.28, Med: 8.94, Max: 10.96
Current: 10.82
5.28
10.96
ROA % 0.89
ROA range over the past 10 years
Min: 0.49, Med: 0.78, Max: 0.93
Current: 0.89
0.49
0.93
3-Year Total Revenue Growth Rate 6.90
3-Year Revenue Growth Rate range over the past 10 years
Min: 0.3, Med: 4.5, Max: 50.1
Current: 7
0.3
50.1
3-Year EPS w/o NRI Growth Rate 11.50
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 2.9, Max: 26
Current: 11.5
0
26

» SGB's 30-Y Financials

Financials (Next Earnings Date: 2019-07-23)

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Business Description

Industry Banks » Banks    NAICS : 522110    SIC : 6022
Compare NAS:CFBK OTCPK:MNMB OTCPK:CBAF NAS:HBK OTCPK:CTUY OTCPK:PLRM NAS:BCTF OTCPK:UNIF OTCPK:CBKM NAS:ESBK OTCPK:BSFO OTCPK:HLND OTCPK:PFBX OTCPK:IBTN OTCPK:CCNB NAS:FUSB OTCPK:PPBN OTCPK:KTHN NAS:CBMB NAS:VBFC
Traded in other countries
Address 201 First Street South East, Moultrie, GA, USA, 31768
Southwest Georgia Financial Corp is a bank holding company of Southwest Georgia Bank. Its core business is providing banking services to individuals and businesses. The bank offers customary banking services, such as consumer and commercial checking accounts, Negotiable Order of Withdrawal accounts, savings accounts, certificates of deposit, lines of credit, VISA business accounts, money transfers and mortgage banking services. It is also active in the investment domain, through the provision of securities available for sale and securities held to maturity.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.19
PE Ratio range over the past 10 years
Min: 8.43, Med: 12.42, Max: 22.95
Current: 11.19
8.43
22.95
PE Ratio without NRI 11.19
PE without NRI range over the past 10 years
Min: 8.43, Med: 12.42, Max: 22.95
Current: 11.19
8.43
22.95
Price-to-Owner-Earnings 12.87
Price-to-Owner-Earnings range over the past 10 years
Min: 6.68, Med: 12.88, Max: 97.94
Current: 12.87
6.68
97.94
PB Ratio 1.15
PB Ratio range over the past 10 years
Min: 0.65, Med: 1.02, Max: 1.92
Current: 1.15
0.65
1.92
PS Ratio 2.29
PS Ratio range over the past 10 years
Min: 1.06, Med: 1.91, Max: 2.99
Current: 2.29
1.06
2.99
Price-to-Free-Cash-Flow 13.84
Price-to-Free-Cash-Flow range over the past 10 years
Min: 5.06, Med: 13.91, Max: 111.11
Current: 13.84
5.06
111.11
Price-to-Operating-Cash-Flow 8.22
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 3.64, Med: 8.28, Max: 21.01
Current: 8.22
3.64
21.01
EV-to-Revenue -2.41
EV-to-Revenue range over the past 10 years
Min: -2.6, Med: 0.4, Max: 4.2
Current: -2.41
-2.6
4.2
Shiller PE Ratio 16.58
Shiller PE Ratio range over the past 10 years
Min: 6.45, Med: 15.43, Max: 28.18
Current: 16.58
6.45
28.18

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.33
Trailing Dividend Yield range over the past 10 years
Min: 0.37, Med: 2.02, Max: 6.14
Current: 2.33
0.37
6.14
Dividend Payout Ratio 0.26
Dividend Payout Ratio range over the past 10 years
Min: 0.14, Med: 0.26, Max: 0.3
Current: 0.26
0.14
0.3
3-Year Dividend Growth Rate (Per Share) 5.50
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 3.7, Max: 47.4
Current: 5.5
0
47.4
Forward Dividend Yield % 2.33
N/A
Yield-on-Cost (5-Year) % 4.96
Yield-on-Cost (5y) range over the past 10 years
Min: 0.79, Med: 4.3, Max: 13.06
Current: 4.96
0.79
13.06

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.16
Price-to-Tangible-Book range over the past 10 years
Min: 0.71, Med: 1.38, Max: 3.35
Current: 1.16
0.71
3.35
Price-to-Projected-FCF 0.76
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.41, Med: 0.78, Max: 1.54
Current: 0.76
0.41
1.54
Price-to-Median-PS-Value 1.20
Price-to-Median-PS-Value range over the past 10 years
Min: 0.64, Med: 1.37, Max: 2.55
Current: 1.2
0.64
2.55
Price-to-Graham-Number 0.76
Price-to-Graham-Number range over the past 10 years
Min: 0.61, Med: 0.94, Max: 1.9
Current: 0.76
0.61
1.9

More Statistics

Revenue (TTM) (Mil) $ 22.88
EPS (TTM) $ 1.84
Beta 0.49
Volatility % 17.54
52-Week Range $ 19.13 - 24.04
Shares Outstanding (Mil) 2.55

Analyst Estimate

Piotroski F-Score Details