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Silvergate Capital Valuation

Q: What is the Fair Price of 0XZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

0XZ (€0.24) is trading below our estimate of [[fair value]] (€5.96)

Is 0XZ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0XZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0XZ (€0.24) is trading below our estimate of fair value (€5.96)

Significantly Below Fair Value: 0XZ is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0XZ?

Key metric: As 0XZ is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for 0XZ. This is calculated by dividing 0XZ's market cap by their current book value.
What is 0XZ's PB Ratio?
PB Ratio	0.03x
Book	US$603.22m
Market Cap	US$16.46m

0XZ key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Book Ratio vs Peers

How does 0XZ's PB Ratio compare to its peers?

The above table shows the PB ratio for 0XZ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PB	Estimated Growth	Market Cap
Peer Average	0.6x
MBK Merkur PrivatBank KgaA	0.4x	8.6%	€107.3m
AMFC AMB Financial	0.6x	n/a	US$17.0m
TBBA TEB Bancorp	0.6x	n/a	US$16.6m
GLBZ Glen Burnie Bancorp	0.8x	n/a	US$16.2m
0XZ Silvergate Capital	0.03x	n/a	€16.5m

Price-To-Book vs Peers: 0XZ is good value based on its Price-To-Book Ratio (0x) compared to the peer average (0.6x).

Price to Book Ratio vs Industry

How does 0XZ's PB Ratio compare vs other companies in the European Banks Industry?

7 Companies	Price / Book	Estimated Growth	Market Cap
Industry Avg.	0.8x	0.3%
0XZ Silvergate Capital	0.03x	n/a	US$16.46m

7 Companies		Estimated Growth	Market Cap
Industry Avg.	0.8x	0.3%
0XZ Silvergate Capital	0.03x	n/a	US$16.46m

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Price-To-Book vs Industry: 0XZ is good value based on its Price-To-Book Ratio (0x) compared to the European Banks industry average (0.8x).

Price to Book Ratio vs Fair Ratio

What is 0XZ's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0XZ PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio	0.03x
Fair PB Ratio	n/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate 0XZ's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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