SVB Financial Group
Market Cap
US$11.8b
Last Updated
2019/11/19 23:53 UTC
Data Sources
Company Financials +
Executive Summary
SVB Financial Group, a diversified financial services company, provides various banking and financial products and services.
Snowflake
Fundamentals
Flawless balance sheet with solid 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 has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-3.8%
SIVB
-0.08%
US Banks
0.9%
US Market
1 Year Return
0.1%
SIVB
11.2%
US Banks
16.8%
US Market
Return vs Industry: SIVB underperformed the US Banks industry which returned 11.2% over the past year.
Return vs Market: SIVB underperformed the US Market which returned 16.8% over the past year.
Shareholder returns
| SIVB | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.8% | -0.08% | 0.9% |
| 30 Day | 12.1% | 6.7% | 4.5% |
| 90 Day | 18.0% | 17.0% | 6.2% |
| 1 Year | 0.1%0.1% | 14.5%11.2% | 19.4%16.8% |
| 3 Year | 47.8%47.8% | 38.7%29.0% | 47.5%38.0% |
| 5 Year | 111.0%111.0% | 72.3%53.2% | 62.0%44.1% |
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
If You Had Bought SVB Financial Group (NASDAQ:SIVB) Shares Five Years Ago You'd Have Made 96%1 month ago | Simply Wall St
I Ran A Stock Scan For Earnings Growth And SVB Financial Group (NASDAQ:SIVB) Passed With Ease2 months ago | Simply Wall St
Read This Before You Buy SVB Financial Group (NASDAQ:SIVB) Because Of Its P/E RatioValuation
Is SVB Financial Group undervalued compared to its fair value and its price relative to the market?
42.3%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SIVB ($229.5) is trading below our estimate of fair value ($397.71)
Significantly Below Fair Value: SIVB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SIVB is good value based on its PE Ratio (10.5x) compared to the Banks industry average (12.7x).
PE vs Market: SIVB is good value based on its PE Ratio (10.5x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: SIVB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: SIVB is overvalued based on its PB Ratio (2x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is SVB Financial Group forecast to perform in the next 1 to 3 years based on estimates from 19 analysts?
-3.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SIVB's earnings are forecast to decline over the next 3 years (-3.4% per year).
Earnings vs Market: SIVB's earnings are forecast to decline over the next 3 years (-3.4% per year).
High Growth Earnings: SIVB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: SIVB's revenue (3.3% per year) is forecast to grow slower than the US market (7.3% per year).
High Growth Revenue: SIVB's revenue (3.3% 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 (14.8%).
Next Steps
Past Performance
How has SVB Financial Group performed over the past 5 years?
32.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SIVB has high quality earnings.
Growing Profit Margin: SIVB's current net profit margins (37.1%) are higher than last year (34.5%).
Past Earnings Growth Analysis
Earnings Trend: SIVB's earnings have grown significantly by 32.9% per year over the past 5 years.
Accelerating Growth: SIVB's earnings growth over the past year (38.3%) exceeds its 5-year average (32.9% per year).
Earnings vs Industry: SIVB earnings growth over the past year (38.3%) exceeded the Banks industry 27.5%.
Return on Equity
High ROE: SIVB's Return on Equity (19.6%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: SIVB has a low level of unsold assets or inventory.
Debt Coverage by Assets: SIVB's debt is covered by short term assets (assets are 9.5x debt).
Financial Institutions Analysis
Asset Level: SIVB's level of assets compared to its equity is moderate.
Allowance for Bad Loans: SIVB has a sufficient allowance for bad loans.
Low Risk Liabilities: SIVB's liabilities are made up of primarily low risk sources of funding.
Loan Level: SIVB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: SIVB's loans are broadly funded by customer deposits.
Level of Bad Loans: SIVB has an appropriate level of bad loans (0.34%)
Next Steps
Dividend
What is SVB Financial Group's current dividend yield, its reliability and sustainability?
0.051%
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate SIVB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate SIVB's dividend yield against the top 25% of dividend payers, as the company has not reported any 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
What is the CEO of SVB Financial Group's salary, the management and board of directors tenure and is there insider trading?
2.4yrs
Average management tenure
CEO
Greg Becker (51yo)
8.6yrs
Tenure
US$7,648,576
Compensation
Mr. Gregory W. Becker, also known as Greg, has been the President at Silicon Valley Bank, Inc. ( formerly known as Silicon Valley Bank) since March 2008 and the President of SVB Financial Group since April ...
CEO Compensation Analysis
Compensation vs Market: Greg's total compensation ($USD7.65M) is below average for companies of similar size in the US market ($USD11.07M).
Compensation vs Earnings: Greg's compensation has increased by more than 20% in the past year.
Management Age and Tenure
2.4yrs
Average Tenure
51yo
Average Age
Experienced Management: SIVB's management team is considered experienced (2.4 years average tenure).
Board Age and Tenure
8.6yrs
Average Tenure
67yo
Average Age
Experienced Board: SIVB's board of directors are considered experienced (8.6 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Shares | 900 |
| Max Price | US$221.12 |
| Entity | Individual |
| Shares | 1,721 |
| Max Price | US$240.70 |
| Entity | Individual |
| Role | Chief Operating Officer Chief Operations Officer |
| Shares | 620 |
| Max Price | US$238.96 |
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Management Team
Greg Becker (51yo)
President
- Tenure: 8.6yrs
- Compensation: US$7.65m
Mike Dreyer (55yo)
Consultant
- Tenure: 0yrs
- Compensation: US$2.26m
Mike Descheneaux (51yo)
President of Silicon Valley Bank
- Tenure: 2.4yrs
- Compensation: US$3.99m
Phil Cox (52yo)
Chief Operations Officer
- Tenure: 0.6yrs
- Compensation: US$1.46m
Dan Beck (45yo)
Chief Financial Officer
- Tenure: 2.4yrs
- Compensation: US$2.80m
John China (53yo)
President of SVB Capital
- Tenure: 0.5yrs
- Compensation: US$2.56m
Michelle Draper (51yo)
Chief Marketing Officer
- Tenure: 6.8yrs
Michael Zuckert (60yo)
General Counsel
- Tenure: 5.7yrs
Meghan O'Leary
Head of Investor Relations
- Tenure: 0yrs
Karen Hon (42yo)
Interim Chief Accounting Officer & Head of Financial Planning & Analysis
- Tenure: 0.2yrs
Board Members
Jeff Maggioncalda (50yo)
Independent Director
- Tenure: 7.6yrs
- Compensation: US$248.54k
Joel Friedman (71yo)
Independent Director
- Tenure: 15.1yrs
- Compensation: US$275.29k
Kate Mitchell (60yo)
Independent Director
- Tenure: 9.6yrs
- Compensation: US$267.54k
Ken Wilcox (71yo)
Chairman Emeritus
- Tenure: 0yrs
- Compensation: US$5.14m
Eric Benhamou (63yo)
Independent Director
- Tenure: 14.8yrs
- Compensation: US$272.29k
Greg Becker (51yo)
President
- Tenure: 8.6yrs
- Compensation: US$7.65m
Garen Staglin (74yo)
Independent Director
- Tenure: 8.3yrs
- Compensation: US$274.54k
Roger Dunbar (73yo)
Independent Chairman of the Board
- Tenure: 7.6yrs
- Compensation: US$487.90k
Mary Miller (63yo)
Independent Director
- Tenure: 4.5yrs
- Compensation: US$267.79k
John Robinson (72yo)
Independent Director
- Tenure: 9.3yrs
- Compensation: US$312.04k
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$11.835b
- Shares outstanding: 51.57m
- Website: https://www.svb.com
Number of Employees
Location
- SVB Financial Group
- 3003 Tasman Drive
- Santa Clara
- California
- 95054
- 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 |
Biography
SVB Financial Group, a diversified financial services company, provides various banking and financial products and services. The company operates through three segments: Global Commercial Bank, SVB Private ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/11/19 23:53 |
| End of Day Share Price | 2019/11/19 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
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.