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Last Updated

2021/07/27 01:14 UTC

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Company Financials

Executive Summary

Severn Bancorp, Inc., together with its subsidiaries, operates as a savings and loan holding company. More Details

Snowflake Analysis

Flawless balance sheet with proven track record.

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Share Price & News

How has Severn Bancorp's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: SVBI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: SVBI's weekly volatility (3%) has been stable over the past year.

Market Performance

7 Day Return




US Mortgage


US Market

1 Year Return




US Mortgage


US Market

Return vs Industry: SVBI exceeded the US Mortgage industry which returned 49.1% over the past year.

Return vs Market: SVBI exceeded the US Market which returned 39.1% over the past year.

Shareholder returns

7 Day0.8%1.6%3.3%
30 Day0.8%-8.9%1.1%
90 Day4.2%-14.2%2.9%
1 Year101.9%97.7%55.9%51.2%39.9%37.8%
3 Year47.4%39.4%22.8%13.4%65.8%55.4%
5 Year101.5%89.1%65.2%41.0%124.3%99.4%

Long-Term Price Volatility Vs. Market

How volatile is Severn Bancorp's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is Severn Bancorp undervalued compared to its fair value and its price relative to the market?


Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: SVBI ($11.99) is trading above our estimate of fair value ($6.79)

Significantly Below Fair Value: SVBI is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: SVBI is poor value based on its PE Ratio (15.3x) compared to the US Mortgage industry average (12.1x).

PE vs Market: SVBI is good value based on its PE Ratio (15.3x) compared to the US market (18.4x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate SVBI's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: SVBI is overvalued based on its PB Ratio (1.4x) compared to the US Mortgage industry average (1.1x).

Future Growth

How is Severn Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Severn Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has Severn Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: SVBI has high quality earnings.

Growing Profit Margin: SVBI's current net profit margins (21.1%) are higher than last year (15.6%).

Past Earnings Growth Analysis

Earnings Trend: SVBI's earnings have declined by 3.7% per year over the past 5 years.

Accelerating Growth: SVBI's earnings growth over the past year (61.1%) exceeds its 5-year average (-3.7% per year).

Earnings vs Industry: SVBI earnings growth over the past year (61.1%) exceeded the Mortgage industry 28.5%.

Return on Equity

High ROE: SVBI's Return on Equity (9%) is considered low.

Financial Health

How is Severn Bancorp'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: SVBI's Assets to Equity ratio (10x) is moderate.

Allowance for Bad Loans: SVBI has a sufficient allowance for bad loans (634%).

Low Risk Liabilities: 96% of SVBI's liabilities are made up of primarily low risk sources of funding.

Loan Level: SVBI has an appropriate level of Loans to Assets ratio (55%).

Low Risk Deposits: SVBI's Loans to Deposits ratio (64%) is appropriate.

Level of Bad Loans: SVBI has an appropriate level of bad loans (0.2%).


What is Severn Bancorp current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: SVBI's dividend (1.67%) is higher than the bottom 25% of dividend payers in the US market (1.32%).

High Dividend: SVBI's dividend (1.67%) is low compared to the top 25% of dividend payers in the US market (3.56%).

Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, SVBI has been paying a dividend for less than 10 years.

Growing Dividend: SVBI's dividend payments have increased, but the company has only paid a dividend for 3 years.

Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (21.7%), SVBI's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average board tenure


Alan Hyatt (67 yo)

no data




Mr. Alan J. Hyatt, Esq., has been a Partner of Hyatt, Peters & Weber, LLP, Annapolis, Maryland since 1978. Mr. Hyatt is a real estate broker with Arundel Realty Services, LLC, Annapolis, Maryland. Mr. Hyat...

CEO Compensation Analysis

Compensation vs Market: Alan's total compensation ($USD552.83K) is below average for companies of similar size in the US market ($USD1.12M).

Compensation vs Earnings: Alan's compensation has been consistent with company performance over the past year.

Board Members

Experienced Board: SVBI's board of directors are considered experienced (9.3 years average tenure).


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

Severn Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Severn Bancorp, Inc.
  • Ticker: SVBI
  • Exchange: NasdaqCM
  • Founded: 1946
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$154.171m
  • Shares outstanding: 12.86m
  • Website:

Number of Employees


  • Severn Bancorp, Inc.
  • 200 Westgate Circle
  • Suite 200
  • Annapolis
  • Maryland
  • 21401
  • United States



Severn Bancorp, Inc., together with its subsidiaries, operates as a savings and loan holding company. The company provides various personal banking products and services comprising checking, savings, money...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/07/27 01:14
End of Day Share Price2021/07/26 00:00
Annual Earnings2020/12/31

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.