SVB Financial Group
Market Cap
US$18.4b
Last Updated
2020/11/26 00:25 UTC
Data Sources
Company Financials +
Executive Summary
SVB Financial Group, a diversified financial services company, provides various banking and financial products and services. More Details
Rewards
Risk Analysis
No risks detected for SIVB from our risk checks.
Snowflake Analysis
Flawless balance sheet with questionable track record.
Similar Companies
Share Price & News
How has SVB Financial Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SIVB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: SIVB's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
2.0%
SIVB
6.3%
US Banks
2.8%
US Market
1 Year Return
51.0%
SIVB
-17.0%
US Banks
19.7%
US Market
Return vs Industry: SIVB exceeded the US Banks industry which returned -17% over the past year.
Return vs Market: SIVB exceeded the US Market which returned 19.7% over the past year.
Shareholder returns
| SIVB | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.0% | 6.3% | 2.8% |
| 30 Day | 22.3% | 19.9% | 8.0% |
| 90 Day | 40.7% | 19.1% | 6.8% |
| 1 Year | 51.0%51.0% | -14.0%-17.0% | 22.4%19.7% |
| 3 Year | 56.2%56.2% | -3.4%-11.5% | 47.3%37.5% |
| 5 Year | 176.6%176.6% | 38.4%21.1% | 93.6%72.3% |
Long-Term Price Volatility Vs. Market
How volatile is SVB Financial Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
SVB Financial Group Just Beat EPS By 59%: Here's What Analysts Think Will Happen Next2 months ago | Simply Wall St
If You Had Bought SVB Financial Group (NASDAQ:SIVB) Stock Five Years Ago, You Could Pocket A 110% Gain TodayValuation
Is SVB Financial Group undervalued compared to its fair value and its price relative to the market?
17.18x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SIVB ($354.58) is trading above our estimate of fair value ($340.75)
Significantly Below Fair Value: SIVB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SIVB is poor value based on its PE Ratio (17.2x) compared to the US Banks industry average (11.5x).
PE vs Market: SIVB is good value based on its PE Ratio (17.2x) compared to the US market (19.7x).
Price to Earnings Growth Ratio
PEG Ratio: SIVB is poor value based on its PEG Ratio (15.3x)
Price to Book Ratio
PB vs Industry: SIVB is overvalued based on its PB Ratio (2.5x) compared to the US Banks industry average (0.9x).
Next Steps
Future Growth
How is SVB Financial Group forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
1.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SIVB's forecast earnings growth (1.1% per year) is below the savings rate (2.2%).
Earnings vs Market: SIVB's earnings (1.1% per year) are forecast to grow slower than the US market (22% per year).
High Growth Earnings: SIVB's earnings are forecast to grow, but not significantly.
Revenue vs Market: SIVB's revenue (1.3% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: SIVB's revenue (1.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SIVB's Return on Equity is forecast to be low in 3 years time (11.2%).
Next Steps
Past Performance
How has SVB Financial Group performed over the past 5 years?
27.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SIVB has high quality earnings.
Growing Profit Margin: SIVB's current net profit margins (32%) are lower than last year (37.1%).
Past Earnings Growth Analysis
Earnings Trend: SIVB's earnings have grown significantly by 27.9% per year over the past 5 years.
Accelerating Growth: SIVB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SIVB had negative earnings growth (-6.5%) over the past year, making it difficult to compare to the Banks industry average (-4.3%).
Return on Equity
High ROE: SIVB's Return on Equity (14.2%) is considered low.
Next Steps
Financial Health
How is SVB Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SIVB's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: SIVB has a sufficient allowance for bad loans (485%).
Low Risk Liabilities: 95% of SIVB's liabilities are made up of primarily low risk sources of funding.
Loan Level: SIVB has an appropriate level of Loans to Assets ratio (39%).
Low Risk Deposits: SIVB's Loans to Deposits ratio (45%) is appropriate.
Level of Bad Loans: SIVB has an appropriate level of bad loans (0.3%).
Next Steps
Dividend
What is SVB Financial Group current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SIVB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SIVB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if SIVB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SIVB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of SIVB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
5.4yrs
Average management tenure
CEO
Greg Becker (52 yo)
9.58yrs
Tenure
US$10,677,545
Compensation
Mr. Gregory W. Becker, also known as Greg, has been the President at Silicon Valley Bank, Inc. ( formerly known as Silicon Valley Bank) since March 2008 and the President of SVB Financial Group since April...
CEO Compensation Analysis
Compensation vs Market: Greg's total compensation ($USD10.68M) is about average for companies of similar size in the US market ($USD10.79M).
Compensation vs Earnings: Greg's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 9.58yrs | US$10.68m | 0.15% $ 27.7m | |
| Chief Financial Officer | 3.42yrs | US$3.41m | 0.0050% $ 916.5k | |
| Chief Operations Officer | 1.58yrs | US$4.66m | 0.015% $ 2.7m | |
| President of SVB Capital | 1.5yrs | US$4.30m | 0.052% $ 9.5m | |
| President of Silicon Valley Bank | 3.42yrs | US$5.61m | 0.036% $ 6.7m | |
| Chief Financial Officer & Director | no data | no data | 0.0070% $ 1.3m | |
| Head of Investor Relations | no data | no data | no data | |
| General Counsel | 6.67yrs | no data | 0.013% $ 2.3m | |
| Chief Marketing Officer | 7.83yrs | no data | 0.0076% $ 1.4m | |
| Chief Human Resources Officer | 12.92yrs | no data | 0.014% $ 2.5m | |
| Chief Credit Officer | 7.17yrs | US$1.79m | 0.034% $ 6.3m | |
| Chief Risk Officer | 4.17yrs | US$1.67m | 0.0094% $ 1.7m |
5.4yrs
Average Tenure
53yo
Average Age
Experienced Management: SIVB's management team is seasoned and experienced (5.4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 9.58yrs | US$10.68m | 0.15% $ 27.7m | |
| Chief Financial Officer & Director | no data | no data | 0.0070% $ 1.3m | |
| Independent Director | 8.58yrs | US$218.72k | 0.014% $ 2.6m | |
| Independent Director | 16.08yrs | US$241.72k | 0.043% $ 7.9m | |
| Independent Director | 10.58yrs | US$234.72k | 0.015% $ 2.8m | |
| Chairman Emeritus | no data | US$5.14m | no data | |
| Independent Director | 15.75yrs | US$238.72k | 0.0086% $ 1.6m | |
| Independent Director | 9.25yrs | US$241.72k | 0.023% $ 4.2m | |
| Independent Chairman of the Board | 8.58yrs | US$434.10k | 0.038% $ 7.0m | |
| Independent Director | 5.5yrs | US$263.72k | 0.0083% $ 1.5m | |
| Independent Director | 3.25yrs | US$218.72k | 0.0033% $ 613.4k | |
| Independent Director | 10.33yrs | US$251.72k | 0.0058% $ 1.1m |
9.4yrs
Average Tenure
64yo
Average Age
Experienced Board: SIVB's board of directors are considered experienced (9.4 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
SVB Financial Group's company bio, employee growth, exchange listings and data sources
Key Information
- Name: SVB Financial Group
- Ticker: SIVB
- Exchange: NasdaqGS
- Founded: 1983
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$18.366b
- Shares outstanding: 51.80m
- Website: https://www.svb.com
Number of Employees
Location
- SVB Financial Group
- 3003 Tasman Drive
- Santa Clara
- California
- 95054-1191
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| SIVB | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Oct 1987 |
| SV4 | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Oct 1987 |
| SIVB * | BMV (Bolsa Mexicana de Valores) | Yes | Common Stock | MX | MXN | Oct 1987 |
| SIVB.P | NasdaqGS (Nasdaq Global Select) | DEP SHS PFD A | US | USD | Dec 2019 | |
| S1IV34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EACH 4 REPR 1 COM | BR | BRL | Jan 2020 |
Biography
SVB Financial Group, a diversified financial services company, provides various banking and financial products and services. The company operates through four segments: Global Commercial Bank, SVB Private ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/11/26 00:25 |
| End of Day Share Price | 2020/11/25 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.