Susquehanna Community Financial, Inc. Logo

Susquehanna Community Financial, Inc.

SQCF

(1.8)
Stock Price

12,95 USD

4.91% ROA

6.55% ROE

14.75x PER

Market Cap.

33.181.065,00 USD

286.1% DER

8.35% Yield

13.59% NPM

Susquehanna Community Financial, Inc. Stock Analysis

Susquehanna Community Financial, Inc. 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.

Susquehanna Community Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

2 PBV

With a remarkably low PBV ratio (0x), the stock offers substantial upside potential at a bargain price.

3 ROE

The stock's ROE falls within an average range (13.67%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.9%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

7 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

8 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

9 DER

The stock is burdened with a heavy load of debt (107%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

Susquehanna Community Financial, Inc. 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.

Susquehanna Community Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Susquehanna Community Financial, Inc. 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.

Susquehanna Community Financial, Inc. Revenue
Year Revenue Growth
2002 6.388.000
2003 7.125.000 10.34%
2004 7.681.000 7.24%
2005 7.611.000 -0.92%
2006 7.679.000 0.89%
2007 8.324.000 7.75%
2013 12.712.000 34.52%
2014 13.429.000 5.34%
2015 15.601.000 13.92%
2016 17.626.000 11.49%
2017 18.733.000 5.91%
2018 19.618.000 4.51%
2019 21.487.000 8.7%
2020 21.391.000 -0.45%
2021 21.325.000 -0.31%
2022 23.299.000 8.47%
2023 27.637.000 15.7%

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.

Susquehanna Community Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 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.

Susquehanna Community Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 1.896.000
2003 2.022.000 6.23%
2004 2.220.000 8.92%
2005 2.577.000 13.85%
2006 2.744.000 6.09%
2007 2.904.000 5.51%
2013 166.000 -1649.4%
2014 224.000 25.89%
2015 226.000 0.88%
2016 266.000 15.04%
2017 266.000 0%
2018 325.000 18.15%
2019 327.000 0.61%
2020 367.000 10.9%
2021 427.000 14.05%
2022 738.000 42.14%
2023 1.264.000 41.61%

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.

Susquehanna Community Financial, Inc. EBITDA
Year EBITDA Growth
2002 3.262.000
2003 4.325.000 24.58%
2004 4.412.000 1.97%
2005 3.202.000 -37.79%
2006 3.028.000 -5.75%
2007 3.568.000 15.13%
2013 0 0%
2014 0 0%
2015 448.000 100%
2016 562.000 20.28%
2017 0 0%
2018 626.000 100%
2019 717.000 12.69%
2020 830.000 13.61%
2021 773.000 -7.37%
2022 849.000 8.95%
2023 819.000 -3.66%

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.

Susquehanna Community Financial, Inc. Gross Profit
Year Gross Profit Growth
2002 6.388.000
2003 7.125.000 10.34%
2004 7.681.000 7.24%
2005 7.611.000 -0.92%
2006 7.679.000 0.89%
2007 8.324.000 7.75%
2013 12.712 -65381.43%
2014 13.429 5.34%
2015 15.601.000 99.91%
2016 17.626.000 11.49%
2017 18.733.000 5.91%
2018 19.618.000 4.51%
2019 21.487.000 8.7%
2020 21.391.000 -0.45%
2021 21.325.000 -0.31%
2022 23.299.000 8.47%
2023 27.637.000 15.7%

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.

Susquehanna Community Financial, Inc. Net Profit
Year Net Profit Growth
2002 2.053.000
2003 2.342.000 12.34%
2004 2.599.000 9.89%
2005 2.486.000 -4.55%
2006 2.385.000 -4.23%
2007 2.676.000 10.87%
2013 4.721.000 43.32%
2014 4.820.000 2.05%
2015 4.412.000 -9.25%
2016 4.481.000 1.54%
2017 5.056.000 11.37%
2018 5.123.000 1.31%
2019 5.065.000 -1.15%
2020 5.369.000 5.66%
2021 5.629.000 4.62%
2022 5.310.000 -6.01%
2023 2.215.000 -139.73%

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.

Susquehanna Community Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 1 0%
2004 1 0%
2005 0 0%
2006 1 0%
2007 1 0%
2013 2 100%
2014 2 0%
2015 1 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 0%
2020 2 0%
2021 2 0%
2022 2 0%
2023 1 0%

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.

Susquehanna Community Financial, Inc. Free Cashflow
Year Free Cashflow Growth
2002 2.384.000
2003 2.724.000 12.48%
2004 2.973.000 8.38%
2005 0 0%
2006 0 0%
2007 0 0%
2013 6.017 100%
2014 4.925 -22.17%
2015 1.281.000 99.62%
2016 2.242.000 42.86%
2017 4.343.000 48.38%
2018 4.090.000 -6.19%
2019 986.000 -314.81%
2020 4.015.000 75.44%
2021 4.605.000 12.81%
2022 3.864.000 -19.18%
2023 1.232.000 -213.64%

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.

Susquehanna Community Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 2.567.000
2003 2.885.000 11.02%
2004 3.163.000 8.79%
2005 0 0%
2006 0 0%
2007 0 0%
2013 6.640 100%
2014 5.379 -23.44%
2015 4.607.000 99.88%
2016 4.828.000 4.58%
2017 4.992.000 3.29%
2018 5.428.000 8.03%
2019 5.681.000 4.45%
2020 4.704.000 -20.77%
2021 5.920.000 20.54%
2022 4.607.000 -28.5%
2023 2.785.000 -65.42%

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.

Susquehanna Community Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 183.000
2003 161.000 -13.66%
2004 190.000 15.26%
2005 0 0%
2006 0 0%
2007 0 0%
2013 623 100%
2014 454 -37.22%
2015 3.326.000 99.99%
2016 2.586.000 -28.62%
2017 649.000 -298.46%
2018 1.338.000 51.49%
2019 4.695.000 71.5%
2020 689.000 -581.42%
2021 1.315.000 47.6%
2022 743.000 -76.99%
2023 1.553.000 52.16%

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.

Susquehanna Community Financial, Inc. Equity
Year Equity Growth
2002 17.116.000
2003 17.966.000 4.73%
2004 18.667.000 3.76%
2005 16.023.000 -16.5%
2006 16.999.000 5.74%
2007 17.789.000 4.44%
2013 33.255.000 46.51%
2014 39.374.000 15.54%
2015 39.495.000 0.31%
2016 39.576.000 0.2%
2017 42.678.000 7.27%
2018 42.362.000 -0.75%
2019 49.723.000 14.8%
2020 54.377.000 8.56%
2021 54.465.000 0.16%
2022 32.141.000 -69.46%
2023 35.442.000 9.31%

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.

Susquehanna Community Financial, Inc. Assets
Year Assets Growth
2002 206.975.000
2003 233.407.000 11.32%
2004 227.383.000 -2.65%
2005 231.675.000 1.85%
2006 247.532.000 6.41%
2007 263.174.000 5.94%
2013 342.286.000 23.11%
2014 356.833.000 4.08%
2015 369.833.000 3.52%
2016 395.003.000 6.37%
2017 414.047.000 4.6%
2018 423.648.000 2.27%
2019 457.339.000 7.37%
2020 502.479.000 8.98%
2021 560.059.000 10.28%
2022 556.794.000 -0.59%
2023 587.343.000 5.2%

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.

Susquehanna Community Financial, Inc. Liabilities
Year Liabilities Growth
2002 189.859.000
2003 215.441.000 11.87%
2004 208.716.000 -3.22%
2005 215.652.000 3.22%
2006 230.533.000 6.46%
2007 245.385.000 6.05%
2013 309.031.000 20.6%
2014 317.459.000 2.65%
2015 330.338.000 3.9%
2016 355.427.000 7.06%
2017 371.369.000 4.29%
2018 381.286.000 2.6%
2019 407.616.000 6.46%
2020 448.102.000 9.03%
2021 505.594.000 11.37%
2022 524.653.000 3.63%
2023 553.243.000 5.17%

Susquehanna Community Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.73
Net Income per Share
0.78
Price to Earning Ratio
14.75x
Price To Sales Ratio
1.2x
POCF Ratio
11.73
PFCF Ratio
26.93
Price to Book Ratio
0.92
EV to Sales
2.82
EV Over EBITDA
95.02
EV to Operating CashFlow
27.94
EV to FreeCashFlow
63.17
Earnings Yield
0.07
FreeCashFlow Yield
0.04
Market Cap
0,03 Bil.
Enterprise Value
0,08 Bil.
Graham Number
14.79
Graham NetNet
-195.52

Income Statement Metrics

Net Income per Share
0.78
Income Quality
1.26
ROE
0.07
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.97
EBT Per Ebit
0.46
Ebit per Revenue
0.31
Effective Tax Rate
0.03

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.7
Operating Profit Margin
0.31
Pretax Profit Margin
0.14
Net Profit Margin
0.14

Dividends

Dividend Yield
0.08
Dividend Yield %
8.35
Payout Ratio
1.23
Dividend Per Share
0.96

Operating Metrics

Operating Cashflow per Share
0.98
Free CashFlow per Share
0.43
Capex to Operating CashFlow
0.56
Capex to Revenue
0.06
Capex to Depreciation
1.9
Return on Invested Capital
0
Return on Tangible Assets
0.05
Days Sales Outstanding
39.48
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
9.25
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.55

Balance Sheet

Cash per Share
-2,13
Book Value per Share
12,00
Tangible Book Value per Share
-178.84
Shareholders Equity per Share
12.47
Interest Debt per Share
39.59
Debt to Equity
2.86
Debt to Assets
0.17
Net Debt to EBITDA
54.51
Current Ratio
0.03
Tangible Asset Value
-0,51 Bil.
Net Current Asset Value
-0,54 Bil.
Invested Capital
260993999
Working Capital
-0,29 Bil.
Intangibles to Total Assets
0.92
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-2820500
Debt to Market Cap
3.06

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.

Susquehanna Community Financial, Inc. Dividends
Year Dividends Growth
1999 1
2000 1 0%
2001 1 100%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 2 0%
2007 2 0%
2008 2 0%
2009 2 0%
2010 2 0%
2011 2 0%
2012 2 50%
2013 2 0%
2014 2 0%
2015 3 0%
2016 1 -100%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Susquehanna Community Financial, Inc. Profile

About Susquehanna Community Financial, Inc.

Susquehanna Community Financial, Inc. operates as a financial holding company that provides various financial services to individuals and corporate customers. It accepts various deposit products, including checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as money market accounts. The company also offers mortgage loans and home equity loans. In addition, it provides lending solutions, such as personal lending; lines of credit; agriculture; equipment loans; commercial real estate; and small business administration loans, including financing services for purchase or construction of real estate and/or business equipment, as well as debit and credit cards, online and mobile banking, and ATM services. Further, the company offers treasury management services, such as automated clearing house, remote deposit capture, positive pay, and merchant services. It operates through 6 full-service branches located in Union, Northumberland, and Snyder counties. The company was formerly known as West Milton Bancorp, Inc. and changed its name to Susquehanna Community Financial, Inc. in February 2016. Susquehanna Community Financial, Inc. was founded in 1920 and is based in West Milton, Pennsylvania.

CEO
Mr. David S. Runk
Employee
0
Address
940 High Street
West Milton, 17886

Susquehanna Community Financial, Inc. Executives & BODs

Susquehanna Community Financial, Inc. Executives & BODs
# Name Age
1 Mr. David S. Runk
President, Chief Executive Officer & Director
70
2 Ms. Lorraine S. Barone
Vice President & Human Resources Manager
70
3 Karla S. Landis
Vice President of Administrative, Shareholder & Regulatory Director and BSA Officer
70
4 Ms. Belinda M. Diefenbach
Senior Vice President, Corporate Secretary & Administrative Associate
70
5 Mr. Rodney H. Smith
Executive Vice President, Treasurer & Chief Financial Officer
70
6 Mr. William H. Weber II
Vice President, Chief Information Security Officer and Director of Operations, Technology, Security & Facilities
70
7 Mr. William F. Kear
Secretary & Director
70
8 Mr. Jeffrey G. Hollenbach
Executive Vice President & Chief Operating Officer
70

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