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Siauliu Bankas

BST:ZH5
Snowflake Description

Adequate balance sheet with proven track record and pays a dividend.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ZH5
BST
€232M
Market Cap
  1. Home
  2. DE
  3. Banks
Company description

Siauliu Bankas AB provides commercial banking services to private and corporate customers in the Republic of Lithuania. The last earnings update was 15 days ago. More info.


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ZH5 Share Price and Events
7 Day Returns
0%
BST:ZH5
-2.6%
DE Banks
-0.5%
DE Market
1 Year Returns
1.8%
BST:ZH5
-27.9%
DE Banks
-9.7%
DE Market
ZH5 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Siauliu Bankas (ZH5) 0% 0% -0.2% 1.8% 191.4% 272.4%
DE Banks -2.6% -5% -3.9% -27.9% 1.8% -1.2%
DE Market -0.5% -1.2% -7.5% -9.7% 18.6% 44.9%
1 Year Return vs Industry and Market
  • ZH5 outperformed the Banks industry which returned -27.9% over the past year.
  • ZH5 outperformed the Market in Germany which returned -9.7% over the past year.
Price Volatility
ZH5
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Siauliu Bankas's competitors could be found in our database.

ZH5 Value

 Is Siauliu Bankas undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Siauliu Bankas to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Siauliu Bankas.

BST:ZH5 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €0.35 * 17.1%
€0.06
Book Value of Equity per Share Median Book Value from the past 5 years. €0.35
Discount Rate (Cost of Equity) See below 9.4%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.5%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for BST:ZH5
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 9.5%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.47
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.466 (1 + (1- 15%) (42.5%))
0.939
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.94
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.54% + (0.939 * 9.46%)
9.43%

Discounted Cash Flow Calculation for BST:ZH5 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Siauliu Bankas is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

BST:ZH5 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (17.1% – 9.43%) * €0.35)
€0.03
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.03 / (9.43% - 0.54%)
€0.30
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €0.35 + €0.30
€0.66
BST:ZH5 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in BST:ZH5 represents 1.00939x of NSEL:SAB1L
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.00939x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 0.66 x 1.00939
€0.66
Value per share (EUR) From above. €0.66
Current discount Discount to share price of €0.43
= -1 x (€0.43 - €0.66) / €0.66
35.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Siauliu Bankas is available for.
Intrinsic value
35%
Share price is €0.43 vs Future cash flow value of €0.66241
Current Discount Checks
For Siauliu Bankas to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Siauliu Bankas's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Siauliu Bankas's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Siauliu Bankas's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Siauliu Bankas's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
BST:ZH5 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in EUR €0.09
NSEL:SAB1L Share Price ** NSEL (2018-08-23) in EUR €0.43
Germany Banks Industry PE Ratio Median Figure of 6 Publicly-Listed Banks Companies 14.45x
Germany Market PE Ratio Median Figure of 416 Publicly-Listed Companies 17.69x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Siauliu Bankas.

BST:ZH5 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NSEL:SAB1L Share Price ÷ EPS (both in EUR)

= 0.43 ÷ 0.09

4.75x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Siauliu Bankas is good value based on earnings compared to the DE Banks industry average.
  • Siauliu Bankas is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Siauliu Bankas's expected growth come at a high price?
Raw Data
BST:ZH5 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 4.75x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
-2.6%per year
Europe Banks Industry PEG Ratio Median Figure of 107 Publicly-Listed Banks Companies 0.84x
Germany Market PEG Ratio Median Figure of 273 Publicly-Listed Companies 1.33x

*Line of best fit is calculated by linear regression .

BST:ZH5 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 4.75x ÷ -2.6%

-1.85x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Siauliu Bankas earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Siauliu Bankas's assets?
Raw Data
BST:ZH5 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in EUR €0.43
NSEL:SAB1L Share Price * NSEL (2018-08-23) in EUR €0.43
Germany Banks Industry PB Ratio Median Figure of 6 Publicly-Listed Banks Companies 0.97x
Germany Market PB Ratio Median Figure of 553 Publicly-Listed Companies 1.85x
BST:ZH5 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NSEL:SAB1L Share Price ÷ Book Value per Share (both in EUR)

= 0.43 ÷ 0.43

0.98x

* Primary Listing of Siauliu Bankas.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Siauliu Bankas is overvalued based on assets compared to the DE Banks industry average.
X
Value checks
We assess Siauliu Bankas's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Siauliu Bankas has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

ZH5 Future Performance

 How is Siauliu Bankas expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-2.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Siauliu Bankas expected to grow at an attractive rate?
  • Siauliu Bankas's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 0.5%.
Growth vs Market Checks
  • Siauliu Bankas's earnings are expected to decrease over the next 1-3 years, this is below the Germany market average.
  • Siauliu Bankas's revenue growth is positive but not above the Germany market average.
Annual Growth Rates Comparison
Raw Data
BST:ZH5 Future Growth Rates Data Sources
Data Point Source Value (per year)
BST:ZH5 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts -2.6%
BST:ZH5 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 4.1%
Germany Banks Industry Earnings Growth Rate Market Cap Weighted Average 11.7%
Germany Banks Industry Revenue Growth Rate Market Cap Weighted Average 2.8%
Germany Market Earnings Growth Rate Market Cap Weighted Average 11.2%
Germany Market Revenue Growth Rate Market Cap Weighted Average 5.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
BST:ZH5 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
BST:ZH5 Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 89 44 2
2021-12-31 86 42 2
2020-12-31 81 39 3
2019-12-31 75 37 3
2018-12-31 69 53 3
BST:ZH5 Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-09-30 95 -228 46
2018-06-30 86 -240 40
2018-03-31 75 -202 29
2017-12-31 81 -155 32
2017-09-30 76 -44 31
2017-06-30 82 -13 37
2017-03-31 90 4 39
2016-12-31 93 4 44
2016-09-30 97 -39 41
2016-06-30 85 -9 33
2016-03-31 78 -4 27
2015-12-31 66 -61 15

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Siauliu Bankas's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Siauliu Bankas's revenue is expected to grow by 4.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
BST:ZH5 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Siauliu Bankas Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BST:ZH5 Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-12-31 0.08 0.08 0.07 2.00
2021-12-31 0.08 0.08 0.07 2.00
2020-12-31 0.07 0.07 0.07 2.00
2019-12-31 0.07 0.07 0.06 2.00
2018-12-31 0.09 0.09 0.09 1.00
BST:ZH5 Past Financials Data
Date (Data in EUR Millions) EPS *
2018-09-30 0.09
2018-06-30 0.08
2018-03-31 0.05
2017-12-31 0.06
2017-09-30 0.05
2017-06-30 0.06
2017-03-31 0.07
2016-12-31 0.08
2016-09-30 0.08
2016-06-30 0.07
2016-03-31 0.05
2015-12-31 0.03

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Siauliu Bankas is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Siauliu Bankas's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Germany market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Siauliu Bankas has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

ZH5 Past Performance

  How has Siauliu Bankas performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Siauliu Bankas's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Siauliu Bankas has delivered over 20% year on year earnings growth in the past 5 years.
  • Siauliu Bankas's 1-year earnings growth exceeds its 5-year average (47% vs 31.2%)
  • Siauliu Bankas's earnings growth has exceeded the DE Banks industry average in the past year (47% vs 5.5%).
Earnings and Revenue History
Siauliu Bankas's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Siauliu Bankas Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BST:ZH5 Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 94.62 45.98 24.72
2018-06-30 86.42 39.94 24.23
2018-03-31 74.82 28.54 23.83
2017-12-31 81.27 32.13 23.45
2017-09-30 76.25 31.29 21.99
2017-06-30 82.11 36.66 22.32
2017-03-31 90.10 39.35 21.88
2016-12-31 93.47 43.67 21.56
2016-09-30 97.38 41.23 21.80
2016-06-30 84.58 32.73 21.29
2016-03-31 77.86 27.42 20.29
2015-12-31 66.03 15.18 19.62
2015-09-30 56.84 14.14 18.42
2015-06-30 58.91 15.65 17.71
2015-03-31 58.62 15.91 17.61
2014-12-31 52.97 13.67 17.55
2014-09-30 61.25 15.06 19.37
2014-06-30 56.38 12.58 18.35
2014-03-31 49.29 9.13 17.33
2013-12-31 43.90 6.77 16.31
2013-09-30 30.91 2.57 14.26
2013-06-30 27.07 2.15 13.95
2013-03-31 28.60 3.60 13.35
2012-12-31 25.48 3.77 12.61
2012-09-30 23.69 3.93 12.64
2012-06-30 24.31 4.37 12.80
2012-03-31 20.91 3.92 12.73
2011-12-31 20.29 3.77 12.28

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Siauliu Bankas has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Siauliu Bankas used its assets more efficiently than the DE Banks industry average last year based on Return on Assets.
  • Unable to establish if Siauliu Bankas improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Siauliu Bankas's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Siauliu Bankas has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

ZH5 Health

 How is Siauliu Bankas's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Siauliu Bankas's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Siauliu Bankas Company Filings, last reported 1 month ago.

BST:ZH5 Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 235.66 98.42 179.30
2018-06-30 224.34 113.67 159.16
2018-03-31 208.42 119.82 233.31
2017-12-31 209.98 85.51 147.61
2017-09-30 202.49 125.95 198.12
2017-06-30 197.01 112.61 152.27
2017-03-31 191.22 103.39 161.35
2016-12-31 179.52 54.01 187.61
2016-09-30 173.39 70.10 130.08
2016-06-30 162.48 69.59 119.28
2016-03-31 154.91 73.98 134.27
2015-12-31 137.06 60.46 155.87
2015-09-30 131.19 89.49 171.82
2015-06-30 122.24 64.94 152.69
2015-03-31 112.15 74.98 203.32
2014-12-31 106.61 63.87 206.21
2014-09-30 105.09 96.45 170.48
2014-06-30 101.47 100.90 166.35
2014-03-31 98.17 79.70 157.73
2013-12-31 93.89 83.58 144.26
2013-09-30 92.76 90.83 71.52
2013-06-30 90.52 92.45 84.98
2013-03-31 91.36 108.46 181.73
2012-12-31 91.08 113.86 58.25
2012-09-30 90.15 104.47 45.69
2012-06-30 87.92 111.88 46.92
2012-03-31 86.84 116.64 45.65
2011-12-31 85.21 125.86 47.33
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Siauliu Bankas has an acceptable proportion of non-loan assets held.
  • Siauliu Bankas's liabilities are made up of primarily low risk sources of funding.
  • Loans at Siauliu Bankas are broadly funded by customer deposits.
  • Siauliu Bankas's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Siauliu Bankas has a low allowance for bad loans.
  • Siauliu Bankas has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Siauliu Bankas's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Siauliu Bankas has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

ZH5 Dividends

 What is Siauliu Bankas's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.99%
Current annual income from Siauliu Bankas dividends. Estimated to be 4.8% next year.
If you bought €2,000 of Siauliu Bankas shares you are expected to receive €20 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Siauliu Bankas's pays a lower dividend yield than the bottom 25% of dividend payers in Germany (1.56%).
  • Siauliu Bankas's dividend is below the markets top 25% of dividend payers in Germany (3.82%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
BST:ZH5 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
Germany Banks Industry Average Dividend Yield Market Cap Weighted Average of 5 Stocks 3.3%
Germany Market Average Dividend Yield Market Cap Weighted Average of 326 Stocks 3.1%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.9%
Germany Bottom 25% Dividend Yield 25th Percentile 1.6%
Germany Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

BST:ZH5 Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2022-12-31 0.05 1.00
2021-12-31 0.04 1.00
2020-12-31 0.02 3.00
2019-12-31 0.01 3.00
2018-12-31 0.00 1.00
BST:ZH5 Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-03-08 0.004 0.843
2017-04-19 0.004 0.755
2016-05-20 0.001 0.427
2016-04-19 0.001 0.562
2015-03-27 0.000 0.233
2015-03-06 0.000 0.251
2015-02-26 0.000 0.000
2014-11-26 0.000 0.000
2014-10-20 0.000 0.000
2014-08-21 0.000 0.000
2014-07-21 0.000 0.000
2014-05-19 0.000 0.000
2014-04-22 0.000 0.000
2014-03-28 0.000 0.000
2014-02-24 0.000 0.000
2013-05-17 0.001 0.499
2013-04-26 0.001 0.496
2010-02-26 0.000 0.000
2009-12-01 0.000 0.000
2009-08-28 0.000 0.000
2009-05-29 0.000 0.000
2009-03-30 0.000 0.000
2009-01-15 0.000 0.000
2008-11-21 0.002 2.056

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Siauliu Bankas's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (21.3x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3.7x coverage).
X
Income/ dividend checks
We assess Siauliu Bankas's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Siauliu Bankas afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Siauliu Bankas has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

ZH5 Management

 What is the CEO of Siauliu Bankas's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Vytautas Sinius
TENURE AS CEO 4.8 years
CEO Bio

Mr. Vytautas Sinius has been the Chief Executive Officer of Siauliu Bankas AB since February 1, 2014. Mr. Sinius served as the Head of Corporate Banking Division at Siauliu Bankas AB since May 2011 until 2014. He served as Acting Chief Executive Officer of Siauliu Bankas AB since December 2013. Mr. Sinius has been Deputy Chairman of Management Board of Siauliu Bankas AB since 2014 and has been its Member of Board since August 11, 2011. He served as the Head of the Retail Banking Division and Vice President of AB SEB Bank (SEB Bankas AB) and served as its Member of Management Board since January 2006 to 2010. He served as Director of AB SEB Bank. He is an Economist. He studied at Vilnius Higher School of Economics; Vilnius University with a bachelor of economy; Vytautas Magnus University with a Master of Business Administration and Management.

CEO Compensation
  • Insufficient data for Vytautas to compare compensation growth.
  • Insufficient data for Vytautas to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure

Average tenure of the Siauliu Bankas management team in years:

7.8
Average Tenure
  • The average tenure for the Siauliu Bankas management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Algirdas Butkus

TITLE
Chairman of Management Board & Deputy CEO
COMPENSATION
€850K
TENURE
19.6 yrs

Donatas Savickas

TITLE
Deputy Chairman of the Management Board
COMPENSATION
€160K
TENURE
23.8 yrs

Vita Urboniene

TITLE
CFO, Head of Accounting & Tax Division and Member of Management Board
COMPENSATION
€132K

Jonas Bartkus

TITLE
Head of Information Technologies Division & Member of Management Board
COMPENSATION
€129K
TENURE
6.7 yrs

Vytautas Sinius

TITLE
Deputy Chairman of the Management Board & CEO
TENURE
4.8 yrs

Ilona Baranauskiene

TITLE
Head of Legal & Administration Division and Member of Management Board
TENURE
4.8 yrs

Daiva Soriene

TITLE
Deputy CEO
TENURE
13.8 yrs

Rimantas Januševicus

TITLE
Director of Securities Trading Department

Mindaugas Pleckaitis

TITLE
Head of Kaunas Region & Director of the Branch
TENURE
7.8 yrs

Mindaugas Rudys

TITLE
Head of Services Development Division
Board of Directors Tenure

Average tenure and age of the Siauliu Bankas board of directors in years:

6.5
Average Tenure
53
Average Age
  • The tenure for the Siauliu Bankas board of directors is about average.
Board of Directors

Arvydas Salda

TITLE
Supervisory Board Chairman
AGE
63
TENURE
19.8 yrs

Mindaugas Rudys

TITLE
Head of Services Development Division

Gintaras Kateiva

TITLE
Supervisory Board Member
AGE
53
TENURE
10.8 yrs

Ramune Zabuliene

TITLE
Supervisory Board Member
AGE
56
TENURE
6.5 yrs

Darius Šulnis

TITLE
Supervisory Board Member
AGE
47
TENURE
2.7 yrs

Martynas Cesnavicius

TITLE
Supervisory Board Member
AGE
46
TENURE
2.7 yrs

Miha Košak

TITLE
Supervisory Board Member
TENURE
1.7 yrs

Grazvydas Simkus

TITLE
Director of Klaipeda Region and Director of Siauliu Bankas Branch
TENURE
7.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Siauliu Bankas's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Siauliu Bankas has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

ZH5 News

External News
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Simply Wall St News

ZH5 Company Info

Map
Description

Siauliu Bankas AB provides commercial banking services to private and corporate customers in the Republic of Lithuania. Its banking products and services include various time deposits, child’s deposits, accumulative deposits, and savings deposits; consumer credits, real estate credit, mortgage loans, credits for farmers, and short-term and long-term credits, as well as multi-apartment house renovation loans; and structural funds, payments, cash operations, payment cards, and settlements and guarantees. The company also provides e-banking, foreign exchange, factoring, and leasing services, as well as other banking services. In addition, it offers investment products, including investment instruments and transactions, securities trading services, investment funds, individual portfolio management services, pension accumulation funds, insurance, debt securities quotes, and reports and recommendations to investors. As of December 31, 2017, the company had 65 customer service outlets. Siauliu Bankas AB was founded in 1992 and is headquartered in Siauliai, the Republic of Lithuania.

Details
Name: Siauliu Bankas AB
ZH5
Exchange: BST
Founded: 1992
€231,566,530
543,583,406
Website: http://www.sb.lt
Address: Siauliu Bankas AB
Tilžes str.149,
Siauliai,
76348,
Lithuania
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NSEL SAB1L Ordinary Shares OMX Nordic Exchange Vilnius LT EUR 10. Jan 1997
DB ZH5 Ordinary Shares Deutsche Boerse AG DE EUR 10. Jan 1997
BST ZH5 Ordinary Shares Boerse-Stuttgart DE EUR 10. Jan 1997
LSE 0KC0 Ordinary Shares London Stock Exchange GB EUR 10. Jan 1997
Number of employees
Current staff
Staff numbers
823
Siauliu Bankas employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2018/11/20 20:13
End of day share price update: 2018/08/23 00:00
Last estimates confirmation: 2018/11/06
Last earnings filing: 2018/11/05
Last earnings reported: 2018/09/30
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.