Summit Financial

Visual Financials
Company Name: Summit Financial Group Inc
Ticker Symbol: SMMF
CIK Number: 0000811808
WWW Address: http://www.summitfgi.com
CEO: H. Charles Maddy,III
No. of Employees: 251
Common Issue Type: CS
Business Description:Summit Financial Group, Inc. provides a range of community banking services, including demand, savings and time deposits; commercial, real estate and consumer loans; letters of credit; and cash management services.

 
Industry Information: BANKING - Regional - Mid-Atlantic Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 25.68 Unchanged 0.0 23.85 29.77  25.34 25.04 -
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 325.4 12.7 0.00 2.27 0.60 11.2 2.1 28.00 - 17.94
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close25.19$
PE Ratio - LTM11.2
Market Capitalisation325.4mil
Latest Shares Outstanding12.7mil
Earnings pS (EPS)2.27$
Dividend pS (DPS)0.60¢
Dividend Yield2.1%
Dividend Payout Ratio%
Revenue per Employee334,223$
Effective Tax Rate17.6%
Float11.3mil
Float as % of Shares Outstanding0.9%
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 Turnover4.0%
Return on Assets (ROA)1.3%
Return on Equity (ROE)13.3%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)10.0
Interest Cover
Total Debt/Equity (Gearing Ratio)1.50
LT Debt/Total Capital8.0%
Working Capital pS-
Cash pS-
Book-Value pS18.44$
Tangible Book-Value pS15.31$
Cash Flow pS3.12$
Free Cash Flow pS2.67$
KEY FIGURES (LTM): Price info
Price/Book Ratio1.39
Price/Tangible Book Ratio0.00
Price/Cash Flow8.2
Price/Free Cash Flow9.6
P/E as % of Industry Group455.0%
P/E as % of Sector Segment58.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of Payment-
Dividend Rate0.60
Current Dividend Yield2.1
5-Y Average Dividend Yield2.9
Payout Ratio0.0
5-Y Average Payout Ratio23.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week---2.214,52945,106
4 Weeks26.0524.5925.81-2.216,711317,525
13 Weeks27.0024.4524.921.325,0881,580,569
26 Weeks27.0017.9420.3224.320,8562,586,174
52 Weeks28.0017.9426.99-6.415,6463,911,634
YTD27.0019.23-27.321,4572,317,421
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
25.1925.2625.7623.4923.420.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.110.30.14
Income0.280.70.20
Dividend0.40.19
Capital Spending0.06NA0.18
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 %-12.4-12.4-3.4
Earnings %5.65.640.2
EPS %5.65.622.4
EPS $0.010.010.11
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-13.99
Free Cash Flow Margin 5YEAR AVG-0.12
Cash-Flow pS0.00
Free Cash-Flow pS2.78
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)10.01
Debt Ratio0.00
Total Debt/Equity (Gearing Ratio)1.50
LT Debt/Equity0.09
LT Debt/Capital Invested8.46
LT Debt/Total Liabilities0.00
 
VALUATION RATIOS
MULTIPLES
PQ Ratio1.66
Tobin's Q Ratio0.15
Current P/E Ratio - LTM11.20
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow78.36
Dividend Yield2.1
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM1.39
Price/Cash Flow Ratio8.2
Price/Free Cash Flow Ratio - LTM9.6
P/E Ratio (1 month ago) - LTM13.8
P/E Ratio (26 weeks ago) - LTM9.2
P/E Ratio (52 weeks ago) - LTM8.5
5-Y High P/E Ratio13.5
5-Y Low P/E Ratio3.8
5-Y Average P/E Ratio0.0
Current P/E Ratio as % of 5-Y Average P/E33
P/E as % of Industry Group455.0
P/E as % of Sector Segment58.0
Current 12 Month Normalized P/E Ratio - LTM4.1
PER SHARE FIGURES
Tangible Book Value pS - LTM15.31
Book Value pS - LTM18.44
Capital Invested pS18.95
Cash Flow pS - LTM3.12
Free Cash Flow pS - LTM2.67
Earnings pS (EPS)2.27
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)12.77
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)5.11
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)1.28
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin167.70
Pre-Tax Profit Margin - 5YEAR AVRG.166.91
Net Profit Margin40.22
Net Profit Margin - 5YEAR AVRG.31.06
Effective Tax Rate6.00
Effective Tax Rate - 5YEAR AVRG.8.02
EFFICIENCY RATIOS
Revenue per Employee - LTM324,052
Net Income per Employee - LTM25,362
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.3,323.41



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