Severn Bancorp

Visual Financials
Company Name: Severn Bancorp Inc
Ticker Symbol: SVBI
CIK Number: 0000868271
WWW Address: http://www.severnbank.com
CEO: Alan J. Hyatt
No. of Employees: 142
Common Issue Type: CS
Business Description: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.

 
Industry Information: BANKING - Regional - Mid-Atlantic Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 8.6443 Down -0.0407 8.35 10.8 8.7 8.75 8.60 5831
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 110.4 12.8 0.00 0.68 0.12 12.6 1.4 9.94 - 7.22
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close8.60$
PE Ratio - LTM12.6
Market Capitalisation110.4mil
Latest Shares Outstanding12.8mil
Earnings pS (EPS)0.68$
Dividend pS (DPS)0.12¢
Dividend Yield1.4%
Dividend Payout Ratio%
Revenue per Employee304,930$
Effective Tax Rate41.6%
Float9.7mil
Float as % of Shares Outstanding0.8%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover4.3%
Return on Assets (ROA)1.0%
Return on Equity (ROE)9.0%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)9.9
Interest Cover
Total Debt/Equity (Gearing Ratio)0.96
LT Debt/Total Capital49.0%
Working Capital pS-
Cash pS-
Book-Value pS7.89$
Tangible Book-Value pS7.62$
Cash Flow pS0.85$
Free Cash Flow pS0.79$
KEY FIGURES (LTM): Price info
Price/Book Ratio1.10
Price/Tangible Book Ratio0.00
Price/Cash Flow10.3
Price/Free Cash Flow11.0
P/E as % of Industry Group635.0%
P/E as % of Sector Segment80.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of Payment-
Dividend Rate0.12
Current Dividend Yield1.4
5-Y Average Dividend Yield3.5
Payout Ratio0.0
5-Y Average Payout Ratio12.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week----1.16,96924,271
4 Weeks9.178.418.97-4.17,740147,070
13 Weeks9.947.468.580.223,1751,460,034
26 Weeks9.947.228.570.418,0152,233,861
52 Weeks9.947.227.958.215,7213,930,251
YTD9.947.46-3.919,3382,088,529
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
8.638.699.008.708.790.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.050.30.10
Income0.90.24
Dividend0.0
Capital Spending-0.16NA0.71
R&D0.00NA0.00
Normalized Inc.0.00NA0.00
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %-6.0-6.0-7.9
Earnings %0.00.00.0
EPS %0.00.00.0
EPS $0.030.030.27
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-6.64
Free Cash Flow Margin 5YEAR AVG-23.06
Cash-Flow pS0.00
Free Cash-Flow pS0.59
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)9.90
Debt Ratio0.00
Total Debt/Equity (Gearing Ratio)0.96
LT Debt/Equity0.96
LT Debt/Capital Invested48.87
LT Debt/Total Liabilities0.00
 
VALUATION RATIOS
MULTIPLES
PQ Ratio0.98
Tobin's Q Ratio0.13
Current P/E Ratio - LTM12.60
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow77.57
Dividend Yield1.4
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM1.10
Price/Cash Flow Ratio10.3
Price/Free Cash Flow Ratio - LTM11.0
P/E Ratio (1 month ago) - LTM18.8
P/E Ratio (26 weeks ago) - LTM20.9
P/E Ratio (52 weeks ago) - LTM0.0
5-Y High P/E Ratio13.8
5-Y Low P/E Ratio5.9
5-Y Average P/E Ratio0.0
Current P/E Ratio as % of 5-Y Average P/E23
P/E as % of Industry Group635.0
P/E as % of Sector Segment80.0
Current 12 Month Normalized P/E Ratio - LTM19.2
PER SHARE FIGURES
Tangible Book Value pS - LTM7.62
Book Value pS - LTM7.89
Capital Invested pS15.07
Cash Flow pS - LTM0.85
Free Cash Flow pS - LTM0.79
Earnings pS (EPS)0.68
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)8.70
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)4.45
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)0.88
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin142.62
Pre-Tax Profit Margin - 5YEAR AVRG.132.53
Net Profit Margin29.49
Net Profit Margin - 5YEAR AVRG.28.80
Effective Tax Rate7.18
Effective Tax Rate - 5YEAR AVRG.-2.11
EFFICIENCY RATIOS
Revenue per Employee - LTM300,211
Net Income per Employee - LTM19,577
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.3,392.36



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