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SVB & T Corporation

SVBT

(2.5)
Stock Price

42,25 USD

0.94% ROA

9.52% ROE

7.97x PER

Market Cap.

46.425.908,00 USD

27.32% DER

1.85% Yield

15.3% NPM

SVB & T Corporation Stock Analysis

SVB & T 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.

SVB & T Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.71x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (17%), which means it has a small amount of debt compared to the ownership it holds

3 ROE

ROE in an average range (10.78%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.99%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (187), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 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.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 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.

SVB & T 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.

SVB & T Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

SVB & T 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.

SVB & T Corporation Revenue
Year Revenue Growth
2015 13.695.000
2016 15.960.000 14.19%
2017 17.004.000 6.14%
2018 18.091.000 6.01%
2019 19.919.000 9.18%
2020 24.394.000 18.34%
2021 27.347.000 10.8%
2022 27.041.000 -1.13%
2023 25.556.000 -5.81%
2023 38.044.000 32.83%
2024 44.544.000 14.59%

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.

SVB & T Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2015 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%
2023 0 0%
2024 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.

SVB & T Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 0
2016 6.600.000 100%
2017 7.199.000 8.32%
2018 7.140.000 -0.83%
2019 8.312.000 14.1%
2020 9.514.000 12.63%
2021 10.511.000 9.49%
2022 11.162.000 5.83%
2023 11.224.000 0.55%
2023 11.508.000 2.47%
2024 12.136.000 5.17%

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.

SVB & T Corporation EBITDA
Year EBITDA Growth
2015 0
2016 4.748.000 100%
2017 4.951.000 4.1%
2018 5.701.000 13.16%
2019 5.524.000 -3.2%
2020 6.439.000 14.21%
2021 9.627.000 33.12%
2022 8.416.000 -14.39%
2023 6.848.000 -22.9%
2023 670.000 -922.09%
2024 0 0%

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.

SVB & T Corporation Gross Profit
Year Gross Profit Growth
2015 13.695.000
2016 15.960.000 14.19%
2017 17.004.000 6.14%
2018 18.091.000 6.01%
2019 19.919.000 9.18%
2020 24.394.000 18.34%
2021 27.347.000 10.8%
2022 27.041.000 -1.13%
2023 25.556.000 -5.81%
2023 38.043.000 32.82%
2024 44.544.000 14.59%

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.

SVB & T Corporation Net Profit
Year Net Profit Growth
2015 2.627.000
2016 3.048.000 13.81%
2017 3.453.000 11.73%
2018 4.149.000 16.78%
2019 4.056.000 -2.29%
2020 4.841.000 16.22%
2021 7.383.000 34.43%
2022 6.351.000 -16.25%
2023 5.924.000 -7.21%
2023 5.646.000 -4.92%
2024 6.784.000 16.77%

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.

SVB & T Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 2
2016 3 0%
2017 3 33.33%
2018 4 0%
2019 4 0%
2020 4 25%
2021 7 33.33%
2022 6 -20%
2023 5 0%
2023 5 0%
2024 6 16.67%

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.

SVB & T Corporation Free Cashflow
Year Free Cashflow Growth
2015 0
2016 2.633.000 100%
2017 2.805.000 6.13%
2018 4.880.000 42.52%
2019 2.350.000 -107.66%
2020 5.684.000 58.66%
2021 6.939.000 18.09%
2022 8.495.000 18.32%
2023 7.050.000 -20.5%
2024 0 0%

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.

SVB & T Corporation Operating Cashflow
Year Operating Cashflow Growth
2015 0
2016 3.569.000 100%
2017 3.154.000 -13.16%
2018 5.266.000 40.11%
2019 4.400.000 -19.68%
2020 5.849.000 24.77%
2021 8.124.000 28%
2022 9.127.000 10.99%
2023 8.385.000 -8.85%
2024 0 0%

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.

SVB & T Corporation Capital Expenditure
Year Capital Expenditure Growth
2015 0
2016 936.000 100%
2017 349.000 -168.19%
2018 386.000 9.59%
2019 2.050.000 81.17%
2020 165.000 -1142.42%
2021 1.185.000 86.08%
2022 632.000 -87.5%
2023 1.335.000 52.66%
2024 0 0%

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.

SVB & T Corporation Equity
Year Equity Growth
2016 35.217.000
2017 37.385.000 5.8%
2018 40.651.000 8.03%
2019 45.867.000 11.37%
2020 51.370.000 10.71%
2021 56.622.000 9.28%
2022 55.197.000 -2.58%
2023 60.280.000 8.43%
2023 57.544.000 -4.75%
2024 62.219.000 7.51%

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.

SVB & T Corporation Assets
Year Assets Growth
2016 353.259.000
2017 380.832.000 7.24%
2018 400.953.000 5.02%
2019 452.850.000 11.46%
2020 496.118.000 8.72%
2021 490.097.000 -1.23%
2022 560.656.000 12.59%
2023 614.887.000 8.82%
2023 608.761.000 -1.01%
2024 622.331.000 2.18%

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.

SVB & T Corporation Liabilities
Year Liabilities Growth
2016 318.042.000
2017 343.447.000 7.4%
2018 360.302.000 4.68%
2019 406.983.000 11.47%
2020 444.748.000 8.49%
2021 433.475.000 -2.6%
2022 505.459.000 14.24%
2023 554.607.000 8.86%
2023 551.217.000 -0.62%
2024 560.112.000 1.59%

SVB & T Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
35
Net Income per Share
5.3
Price to Earning Ratio
7.97x
Price To Sales Ratio
1.21x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.74
EV to Sales
1.2
EV Over EBITDA
24.28
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.13
FreeCashFlow Yield
0
Market Cap
0,05 Bil.
Enterprise Value
0,05 Bil.
Graham Number
82.26
Graham NetNet
-427.8

Income Statement Metrics

Net Income per Share
5.3
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.88
EBT Per Ebit
0.71
Ebit per Revenue
0.24
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.24
Pretax Profit Margin
0.17
Net Profit Margin
0.15

Dividends

Dividend Yield
0.02
Dividend Yield %
1.85
Payout Ratio
0
Dividend Per Share
0.78

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.32
Return on Tangible Assets
0.01
Days Sales Outstanding
32.12
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
11.36
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
74,61
Book Value per Share
56,77
Tangible Book Value per Share
54.71
Shareholders Equity per Share
56.77
Interest Debt per Share
29.3
Debt to Equity
0.27
Debt to Assets
0.03
Net Debt to EBITDA
-0.15
Current Ratio
0.58
Tangible Asset Value
0,06 Bil.
Net Current Asset Value
-0,51 Bil.
Invested Capital
-25749000
Working Capital
-0,03 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
10869499.5
Debt to Market Cap
0.37

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.

SVB & T Corporation Dividends
Year Dividends Growth
2018 1
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

SVB & T Corporation Profile

About SVB & T Corporation

SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company that provides banking and financial services to individual and corporate customers in Orange, Dubois, and surrounding counties in southern Indiana. It offers checking, savings, and club accounts; certificates of deposit; individual retirement accounts; health savings accounts; CDARS/insured cash sweep accounts; and safe deposit boxes. The company also provides personal loans comprising mortgages, construction, professional loans, first time home buyer, and veteran's administration loan/federal housing administration/US department of agriculture; home equity line of credit and consumer loan products; and debit and credit cards. In addition, it offers business loans comprising commercial, agricultural, lines of credit, small business administration/farm service agency, and leases; and financial planning, investment management, estate planning and administration, trust, and other services, as well as brokerage services, such as mutual funds, annuities, tax advantage investments, life insurance products, retirement plans, and professionally managed accounts. Further, the company offers online solutions, which include online banking, e-statement, retail bill pay, mobile banking, mobile deposit, transfer, and mobile wallet services, as well as cash management services. SVB&T Corporation was founded in 1902 and is headquartered in French Lick, Indiana.

CEO
Mr. Jamie R. Shinabarger
Employee
113
Address
8482 West State Road 56
French Lick, 47432

SVB & T Corporation Executives & BODs

SVB & T Corporation Executives & BODs
# Name Age
1 Mr. Jeffrey Craig Buse
President & Director
70
2 Ms. Dianna B. Land
Senior Executive Vice President & HR and Marketing Manager
70
3 Mr. Martin C. Kaiser
Senior EVice President & Financial Advisory Group Manager
70
4 Mr. James C. Tucker
Secretary & Director
70
5 Mr. Jamie R. Shinabarger
Chief Executive Officer & Director
70
6 Mr. Ryan A. Heim
Senior EVice President, Chief Financial Officer, Cashier & Treasurer
70

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