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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.19
SVBI's Cash-to-Debt is ranked lower than
89% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. SVBI: 0.19 )
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: 1.1
Current: 0.19
0.03
1.1
Equity-to-Asset 0.12
SVBI's Equity-to-Asset is ranked higher than
60% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SVBI: 0.12 )
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: 0.12
0.08
0.13
Debt-to-Equity 1.16
SVBI's Debt-to-Equity is ranked lower than
76% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. SVBI: 1.16 )
Ranked among companies with meaningful Debt-to-Equity only.
SVBI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.7  Med: 1.5 Max: 32.75
Current: 1.16
0.7
32.75
Interest Coverage 0.80
SVBI's Interest Coverage is ranked lower than
74% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. SVBI: 0.80 )
Ranked among companies with meaningful Interest Coverage only.
SVBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.42 Max: 0.8
Current: 0.8
0.13
0.8
Beneish M-Score: -3.16
WACC vs ROIC
9.50%
2.30%
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 : 3/10

vs
industry
vs
history
Operating Margin % 21.94
SVBI's Operating Margin % is ranked lower than
75% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. SVBI: 21.94 )
Ranked among companies with meaningful Operating Margin % only.
SVBI' s Operating Margin % Range Over the Past 10 Years
Min: -86.42  Med: 13.29 Max: 50.09
Current: 21.94
-86.42
50.09
Net Margin % 13.84
SVBI's Net Margin % is ranked higher than
94% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. SVBI: 13.84 )
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: 53.11
Current: 13.84
-83.5
53.11
ROE % 3.46
SVBI's ROE % is ranked higher than
84% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. SVBI: 3.46 )
Ranked among companies with meaningful ROE % only.
SVBI' s ROE % Range Over the Past 10 Years
Min: -27.75  Med: 1.37 Max: 15.86
Current: 3.46
-27.75
15.86
ROA % 0.52
SVBI's ROA % is ranked higher than
85% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. SVBI: 0.52 )
Ranked among companies with meaningful ROA % only.
SVBI' s ROA % Range Over the Past 10 Years
Min: -3.05  Med: 0.4 Max: 2.01
Current: 0.52
-3.05
2.01
3-Year Revenue Growth Rate -5.40
SVBI's 3-Year Revenue Growth Rate is ranked lower than
85% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SVBI: -5.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SVBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -43.1  Med: 0.7 Max: 130.7
Current: -5.4
-43.1
130.7
GuruFocus has detected 3 Warning Signs with Severn Bancorp Inc $SVBI.
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» SVBI's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27 Est.)


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

» Details

Guru Trades

Q1 2016

SVBI Guru Trades in Q1 2016

Arnold Schneider 77,131 sh (-0.64%)
» More
Q2 2016

SVBI Guru Trades in Q2 2016

Arnold Schneider 56,550 sh (-26.68%)
» More
Q3 2016

SVBI Guru Trades in Q3 2016

Arnold Schneider 44,408 sh (-21.47%)
» More
Q4 2016

SVBI Guru Trades in Q4 2016

Arnold Schneider Sold Out
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Arnold Schneider 2016-12-31 Sold Out 0.05%$6.25 - $7.9 $ 6.954%0
Arnold Schneider 2016-09-30 Reduce -21.47%0.01%$5.93 - $6.76 $ 6.959%44,408
Premium More recent guru trades are included for Premium Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:FBTT, NAS:CWBC, NAS:WBKC, NAS:WBB, NAS:SFBC, NAS:SBFG, NAS:AMRB, NAS:RNDB, OTCPK:HARL, OTCPK:FDVA, OTCPK:VABK, NAS:BYBK, OTCPK:NWYF, OTCPK:CLDB, OTCBB:CSBB, NAS:CWAY, OTCPK:CRLN, NAS:SSFN, NAS:MFNC, NAS:CZWI » details
Headquarter Location:USA
Severn Bancorp Inc is a savings & loan holding company. It offers savings, money market, time deposit, individual retirement accounts & mortgage banking services. It also provides safe deposit boxes, ATMs, internet banking & debit cards, among others.

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. 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 also provides safe deposit boxes, ATMs, debit cards, and internet and telephone banking.

Ratios

vs
industry
vs
history
PE Ratio 30.22
SVBI's PE Ratio is ranked higher than
90% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SVBI: 30.22 )
Ranked among companies with meaningful PE Ratio only.
SVBI' s PE Ratio Range Over the Past 10 Years
Min: 5.03  Med: 12.7 Max: 83.17
Current: 30.22
5.03
83.17
PE Ratio without NRI 30.22
SVBI's PE Ratio without NRI is ranked higher than
90% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. SVBI: 30.22 )
Ranked among companies with meaningful PE Ratio without NRI only.
SVBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.03  Med: 12.71 Max: 83.17
Current: 30.22
5.03
83.17
Price-to-Owner-Earnings 13.90
SVBI's Price-to-Owner-Earnings is ranked lower than
87% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SVBI: 13.90 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SVBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.96  Med: 10.48 Max: 31.81
Current: 13.9
2.96
31.81
PB Ratio 0.95
SVBI's PB Ratio is ranked higher than
64% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SVBI: 0.95 )
Ranked among companies with meaningful PB Ratio only.
SVBI' s PB Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.56 Max: 2.64
Current: 0.95
0.21
2.64
PS Ratio 2.88
SVBI's PS Ratio is ranked higher than
59% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SVBI: 2.88 )
Ranked among companies with meaningful PS Ratio only.
SVBI' s PS Ratio Range Over the Past 10 Years
Min: 0.75  Med: 1.67 Max: 10.75
Current: 2.88
0.75
10.75
Price-to-Free-Cash-Flow 6.43
SVBI's Price-to-Free-Cash-Flow is ranked lower than
82% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. SVBI: 6.43 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SVBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.44  Med: 7.3 Max: 66.55
Current: 6.43
1.44
66.55
Price-to-Operating-Cash-Flow 6.05
SVBI's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. SVBI: 6.05 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SVBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.43  Med: 6.71 Max: 51.24
Current: 6.05
1.43
51.24
EV-to-EBIT 26.17
SVBI's EV-to-EBIT is ranked lower than
85% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. SVBI: 26.17 )
Ranked among companies with meaningful EV-to-EBIT only.
SVBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -41.9  Med: 25.5 Max: 149.7
Current: 26.17
-41.9
149.7
EV-to-EBITDA 22.08
SVBI's EV-to-EBITDA is ranked lower than
84% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. SVBI: 22.08 )
Ranked among companies with meaningful EV-to-EBITDA only.
SVBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -41.9  Med: 22.05 Max: 73.3
Current: 22.08
-41.9
73.3
EV-to-Revenue 5.74
SVBI's EV-to-Revenue is ranked lower than
71% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. SVBI: 5.74 )
Ranked among companies with meaningful EV-to-Revenue only.
SVBI' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.4  Med: 5.1 Max: 19.6
Current: 5.74
2.4
19.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -6.40
SVBI's 3-Year Average Share Buyback Ratio is ranked lower than
69% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SVBI: -6.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SVBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.4  Med: 0 Max: 0
Current: -6.4
-6.4
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.94
SVBI's Price-to-Tangible-Book is ranked higher than
66% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. SVBI: 0.94 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SVBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.23  Med: 0.73 Max: 27.15
Current: 0.94
0.23
27.15
Price-to-Intrinsic-Value-Projected-FCF 0.66
SVBI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
64% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. SVBI: 0.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SVBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.32 Max: 1.61
Current: 0.66
0.15
1.61
Price-to-Median-PS-Value 1.72
SVBI's Price-to-Median-PS-Value is ranked lower than
88% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SVBI: 1.72 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SVBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.12 Max: 11.08
Current: 1.72
0.47
11.08
Price-to-Graham-Number 1.12
SVBI's Price-to-Graham-Number is ranked higher than
84% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SVBI: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SVBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.36  Med: 0.9 Max: 1.51
Current: 1.12
0.36
1.51
Earnings Yield (Greenblatt) % 3.83
SVBI's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. SVBI: 3.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SVBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -18.3  Med: 3.2 Max: 8.6
Current: 3.83
-18.3
8.6

More Statistics

Revenue (TTM) (Mil) $29.38
EPS (TTM) $ 0.23
Beta0.47
Short Percentage of Float0.15%
52-Week Range $6.25 - 8.08
Shares Outstanding (Mil)12.14
» More Articles for SVBI

Headlines

Articles On GuruFocus.com
Severn Bancorp, Inc. Purchases Mid-Maryland Title Company Sep 06 2017 
Severn Bank Appoints Chief Operating Officer Aug 09 2017 
Severn Bancorp, Inc. Announces Purchase of Title Company Jul 10 2017 
Severn Bancorp, Inc. Announces First Quarter Earnings Apr 26 2017 
Severn Bancorp CEO Purchases 20,000 Shares Apr 18 2016 
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 

More From Other Websites
Severn Bancorp, Inc. :SVBI-US: Earnings Analysis: Q2, 2017 By the Numbers : September 19, 2017 Sep 19 2017
Severn Bancorp, Inc. Purchases Mid-Maryland Title Company Sep 06 2017
Severn Bank Appoints Chief Operating Officer Aug 09 2017
Severn Bancorp, Inc. Announces Second Quarter Earnings Jul 28 2017
Severn Bancorp, Inc. Announces Purchase of Title Company Jul 10 2017
Severn Bancorp, Inc. :SVBI-US: Earnings Analysis: Q1, 2017 By the Numbers : June 6, 2017 Jun 06 2017
Severn Bancorp, Inc. Announces First Quarter Earnings Apr 26 2017
Severn Bancorp, Inc. :SVBI-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Severn Bancorp, Inc. Announces Fourth Quarter Earnings and Year End Results Jan 27 2017
Severn Bancorp, Inc. :SVBI-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28, 2016 Oct 28 2016
Severn Bancorp, Inc. Announces Third Quarter Earnings Oct 27 2016

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