SFSB (SFBI) Debt-to-Equity : 1.88 (As of Mar. 2009)

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What is SFSB Debt-to-Equity?

SFSB's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2009 was $10.32 Mil. SFSB's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2009 was $25.00 Mil. SFSB's Total Stockholders Equity for the quarter that ended in Mar. 2009 was $18.84 Mil. SFSB's debt to equity for the quarter that ended in Mar. 2009 was 1.87.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for SFSB's Debt-to-Equity or its related term are showing as below:

SFBI's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.66
* Ranked among companies with meaningful Debt-to-Equity only.

SFSB Debt-to-Equity Historical Data

The historical data trend for SFSB's Debt-to-Equity 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.

* Premium members only.

SFSB Debt-to-Equity Chart

SFSB Annual Data

Trend

Dec04

Dec05

Dec06

Dec07

Dec08

Debt-to-Equity

1.17

1.58

1.76

1.61

1.86

SFSB Quarterly Data
	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09
Debt-to-Equity	Get a 7-Day Free Trial												1.56	1.43	1.53	1.86	1.88

Competitive Comparison of SFSB's Debt-to-Equity

For the Banks - Regional subindustry, SFSB's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SFSB's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, SFSB's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where SFSB's Debt-to-Equity falls into.

SFSB Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

SFSB's Debt to Equity Ratio for the fiscal year that ended in Dec. 2008 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(10.633	+	25)	/	19.137
	=	1.86

SFSB's Debt to Equity Ratio for the quarter that ended in Mar. 2009 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(10.319	+	25)	/	18.837
	=	1.87

SFSB (OTCPK:SFBI) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

SFSB Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of SFSB's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

SFSB (SFBI) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » SFSB Inc (OTCPK:SFBI) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

1614 Churchville Road, Bel Air, MD, USA, 21015

Website

http://www.slavie.com

SFSB Inc is a holding company engaged in the business of attracting deposits and investing those funds, together with funds generated from operations and borrowings in residential real estate & commercial mortgage loans.

SFSB (SFBI) Headlines

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