This company has been acquired
Salisbury Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Salisbury Bancorp has total assets of $1.6B and total equity of $133.1M. Total deposits are $1.4B, and total loans are $1.2B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.08% of total loans. Cash and short-term investments are $54.1M.
Key information
11.7x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$1.36b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.08% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$54.06m |
Recent financial health updates
No updates
Recent updates
Salisbury Bancorp declares $0.16 dividend
Oct 19Salisbury Bancorp declares $0.16 dividend
Jul 20Salisbury Bancorp completes 2-for-1 forward stock split
Jul 01Salisbury Bancorp (NASDAQ:SAL) Is Increasing Its Dividend To US$0.32
Jan 30
Salisbury Bancorp's (NASDAQ:SAL) Upcoming Dividend Will Be Larger Than Last Year's
Jul 24Should Salisbury Bancorp, Inc. (NASDAQ:SAL) Be Part Of Your Dividend Portfolio?
May 06Industry Analysts Just Made A Notable Upgrade To Their Salisbury Bancorp, Inc. (NASDAQ:SAL) Revenue Forecasts
Mar 31Should You Be Adding Salisbury Bancorp (NASDAQ:SAL) To Your Watchlist Today?
Mar 15Salisbury Bancorp, Inc. (NASDAQ:SAL) Looks Like A Good Stock, And It's Going Ex-Dividend Soon
Feb 07How Does Salisbury Bancorp, Inc. (NASDAQ:SAL) Fare As A Dividend Stock?
Feb 05
Should Salisbury Bancorp (NASDAQ:SAL) Be Disappointed With Their 19% Profit?
Dec 14Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SAL's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: SAL has a sufficient allowance for bad loans (1524%).
Low Risk Liabilities: 95% of SAL's liabilities are made up of primarily low risk sources of funding.
Loan Level: SAL has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: SAL's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: SAL has an appropriate level of bad loans (0.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2023/08/15 14:22 |
| End of Day Share Price | 2023/08/11 00:00 |
| Earnings | 2023/06/30 |
| Annual Earnings | 2022/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Salisbury Bancorp, Inc. is covered by 4 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | D.A. Davidson & Co. |
| Christopher Marinac | FIG Partners |
| David Bishop | FIG Partners |