Silvergate Capital Corporation Logo

Silvergate Capital Corporation

SI

(0.8)
Stock Price

1,25 USD

-8.84% ROA

-103.79% ROE

-0.04x PER

Market Cap.

39.573.250,00 USD

1428.31% DER

0% Yield

116.65% NPM

Silvergate Capital Corporation Stock Analysis

Silvergate Capital Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Silvergate Capital Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.07x), the stock offers substantial upside potential at a bargain price.

2 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

3 ROE

The stock's ROE indicates a negative return (-76.5%) on shareholders' equity, suggesting poor financial performance.

4 ROA

The stock's ROA (-8.26%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

5 DER

The stock is burdened with a heavy load of debt (1428%), making it financially unstable and potentially risky for investors.

6 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-1) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Silvergate Capital Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Silvergate Capital Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Silvergate Capital Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Silvergate Capital Corporation Revenue
Year Revenue Growth
2016 36.377.000
2017 44.029.000 17.38%
2018 75.604.000 41.76%
2019 79.599.000 5.02%
2020 88.757.000 10.32%
2021 170.891.000 48.06%
2022 -3.794.056.000 104.5%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Silvergate Capital Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2016 0
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Silvergate Capital Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2016 20.696.000
2017 25.361.000 18.39%
2018 37.564.000 32.49%
2019 42.462.000 11.54%
2020 47.596.000 10.79%
2021 73.248.000 35.02%
2022 137.972.000 46.91%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Silvergate Capital Corporation EBITDA
Year EBITDA Growth
2016 20.474.000
2017 21.889.000 6.46%
2018 34.706.000 36.93%
2019 37.345.000 7.07%
2020 36.778.000 -1.54%
2021 88.023.000 58.22%
2022 -3.860.580.000 102.28%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Silvergate Capital Corporation Gross Profit
Year Gross Profit Growth
2016 36.377.000
2017 44.029.000 17.38%
2018 75.604.000 41.76%
2019 79.599.000 5.02%
2020 88.757.000 10.32%
2021 170.891.000 48.06%
2022 -3.794.056.000 104.5%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Silvergate Capital Corporation Net Profit
Year Net Profit Growth
2016 7.035.000
2017 7.643.000 7.95%
2018 22.333.000 65.78%
2019 24.846.000 10.11%
2020 26.038.000 4.58%
2021 78.528.000 66.84%
2022 -4.188.916.000 101.87%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Silvergate Capital Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2016 0
2017 0 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 3 50%
2022 -132 101.52%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Silvergate Capital Corporation Free Cashflow
Year Free Cashflow Growth
2016 36.162.000
2017 -19.244.000 287.91%
2018 -5.731.000 -235.79%
2019 -128.075.000 95.53%
2020 -480.230.000 73.33%
2021 77.836.000 716.98%
2022 96.086.000 18.99%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Silvergate Capital Corporation Operating Cashflow
Year Operating Cashflow Growth
2016 36.756.000
2017 -18.125.000 302.79%
2018 -3.067.000 -490.97%
2019 -126.862.000 97.58%
2020 -479.314.000 73.53%
2021 79.758.000 700.96%
2022 100.297.000 20.48%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Silvergate Capital Corporation Capital Expenditure
Year Capital Expenditure Growth
2016 594.000
2017 1.119.000 46.92%
2018 2.664.000 58%
2019 1.213.000 -119.62%
2020 916.000 -32.42%
2021 1.922.000 52.34%
2022 4.211.000 54.36%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Silvergate Capital Corporation Equity
Year Equity Growth
2016 65.807.000
2017 73.800.000 10.83%
2018 191.246.000 61.41%
2019 231.036.000 17.22%
2020 294.299.000 21.5%
2021 1.608.836.000 81.71%
2022 603.221.000 -166.71%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Silvergate Capital Corporation Assets
Year Assets Growth
2016 981.068.000
2017 1.891.948.000 48.15%
2018 2.004.318.000 5.61%
2019 2.128.127.000 5.82%
2020 5.586.235.000 61.9%
2021 16.005.495.000 65.1%
2022 11.355.553.000 -40.95%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Silvergate Capital Corporation Liabilities
Year Liabilities Growth
2016 915.261.000
2017 1.818.148.000 49.66%
2018 1.813.072.000 -0.28%
2019 73.411.000 -2369.76%
2020 15.831.000 -363.72%
2021 15.845.000 0.09%
2022 10.752.332.000 99.85%

Silvergate Capital Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
-27.18
Net Income per Share
-31.71
Price to Earning Ratio
-0.04x
Price To Sales Ratio
-0.05x
POCF Ratio
0.39
PFCF Ratio
0.41
Price to Book Ratio
0.07
EV to Sales
0.25
EV Over EBITDA
0.28
EV to Operating CashFlow
-2.19
EV to FreeCashFlow
-2.28
Earnings Yield
-25.36
FreeCashFlow Yield
2.43
Market Cap
0,04 Bil.
Enterprise Value
-0,22 Bil.
Graham Number
116.58
Graham NetNet
-13.04

Income Statement Metrics

Net Income per Share
-31.71
Income Quality
2.31
ROE
-1.04
Return On Assets
-0.09
Return On Capital Employed
-0.12
Net Income per EBT
0.99
EBT Per Ebit
1.24
Ebit per Revenue
0.95
Effective Tax Rate
0.01

Margins

Sales, General, & Administrative to Revenue
-0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
1
Operating Profit Margin
0.95
Pretax Profit Margin
1.18
Net Profit Margin
1.17

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
-0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
3.17
Free CashFlow per Share
3.03
Capex to Operating CashFlow
-0.04
Capex to Revenue
0
Capex to Depreciation
-4.66
Return on Invested Capital
-0.09
Return on Tangible Assets
-0.09
Days Sales Outstanding
-18.21
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
-20.04
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.13

Balance Sheet

Cash per Share
325,53
Book Value per Share
19,05
Tangible Book Value per Share
19.05
Shareholders Equity per Share
19.05
Interest Debt per Share
274.33
Debt to Equity
14.28
Debt to Assets
0.76
Net Debt to EBITDA
0.33
Current Ratio
1.47
Tangible Asset Value
0,60 Bil.
Net Current Asset Value
-4,42 Bil.
Invested Capital
14.28
Working Capital
2,03 Bil.
Intangibles to Total Assets
0
Average Receivables
0,06 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
217.72

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Silvergate Capital Corporation Dividends
Year Dividends Growth

Silvergate Capital Corporation Profile

About Silvergate Capital Corporation

Silvergate Capital Corporation operates as a bank holding company for Silvergate Bank that provides banking products and services to business and individual clients in the United States. The company accepts deposit products, including interest and noninterest bearing demand accounts, money market and savings accounts, and certificates of deposit accounts. Its loan products comprise one-to-four family real estate loans, multi-family real estate loans, commercial real estate loans, construction loans, commercial and industrial loans, mortgage warehouse loans, and reverse mortgage loans, as well as consumer loans and other loans secured by personal property. The company also provides cash management services for digital currency-related businesses. Silvergate Capital Corporation was founded in 1988 and is headquartered in La Jolla, California.

CEO
Mr. Alan J. Lane
Employee
300
Address
4250 Executive Square
La Jolla, 92037

Silvergate Capital Corporation Executives & BODs

Silvergate Capital Corporation Executives & BODs
# Name Age
1 Ms. Judith M. Knowles
Sec.
70
2 Mr. Antonio R. Martino
Chief Financial Officer
70
3 Mr. Son-Jai Paik
Chief HR Officer
70
4 Ms. Elaine Batlis
Executive Vice President & Mang. of Warehouse Lending Division
70
5 Mr. John M. Bonino
Chief Legal Officer
70
6 Ms. Kathleen M. Fraher
Executive Vice President & Chief Risk Officer
70
7 Mr. Alaric Eby
Chief Product Devel. Officer
70
8 Hunter Stenback
Head of Investor Relations
70
9 Mr. Alan J. Lane
Chief Executive Officer & Director
70
10 Mr. Benjamin C. Reynolds
Pres
70

Silvergate Capital Corporation Competitors