AMEX:SGB

Stock Analysis Report

Southwest Georgia Financial

Executive Summary

Southwest Georgia Financial Corporation operates as the holding company for Southwest Georgia Bank that provides banking and financial services to individuals, businesses, and governmental customers.

Snowflake

Fundamentals

Flawless balance sheet and fair value.

Risks

  • Southwest Georgia Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has Southwest Georgia Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.1%

AMEX:SGB

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-13.0%

AMEX:SGB

-14.2%

US Banks

-0.4%

US Market

SGB outperformed the Banks industry which returned -16.1% over the past year.

SGB underperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

SGBIndustryMarket
7 Day-0.1%-2.6%-1.0%
30 Day-3.7%-5.5%-3.3%
90 Day-3.0%-3.5%0.4%
1 Year-11.0%-13.0%-11.8%-14.2%1.8%-0.4%
3 Year41.6%32.3%42.2%32.4%39.4%30.4%
5 Year50.3%33.2%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Southwest Georgia Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Southwest Georgia Financial undervalued based on future cash flows and its price relative to the stock market?

7%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Southwest Georgia Financial's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Southwest Georgia Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Southwest Georgia Financial is good value based on earnings compared to the US Banks industry average.

Southwest Georgia Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Southwest Georgia Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Southwest Georgia Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Southwest Georgia Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Southwest Georgia Financial is high growth as no revenue estimate data is available.

Southwest Georgia Financial's earnings are expected to grow by 4.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare Southwest Georgia Financial's revenue growth to the United States of America market average as no estimate data is available.

Southwest Georgia Financial's earnings growth is positive but not above the United States of America market average.

Southwest Georgia Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Southwest Georgia Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Southwest Georgia Financial performed over the past 5 years?

9.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Southwest Georgia Financial's year on year earnings growth rate has been positive over the past 5 years.

Southwest Georgia Financial's 1-year earnings growth exceeds its 5-year average (18.4% vs 9%)

Southwest Georgia Financial's earnings growth has not exceeded the US Banks industry average in the past year (18.4% vs 33.2%).


Return on Equity

Southwest Georgia Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Southwest Georgia Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Southwest Georgia Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Southwest Georgia Financial'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

Southwest Georgia Financial has an acceptable proportion of non-loan assets held.

Southwest Georgia Financial has a sufficient allowance for bad loans.

Southwest Georgia Financial's liabilities are made up of primarily low risk sources of funding.

Southwest Georgia Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Southwest Georgia Financial are broadly funded by customer deposits.

Southwest Georgia Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Southwest Georgia Financial's current dividend yield, its reliability and sustainability?

2.42%

Current Dividend Yield


Dividend Yield and Payments Analysis

Southwest Georgia Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Southwest Georgia Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.9x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Southwest Georgia Financial's salary, the management and board of directors tenure and is there insider trading?

8.6yrs

Average management tenure


CEO

George Drew (62yo)

17.3yrs

Tenure

US$518,249

Compensation

Mr. DeWitt Drew has been the President of Southwest Georgia Bank and Southwest Georgia Financial Corporation since 2001. Mr. Drew has been the Chief Executive Officer of Southwest Georgia Bank and Southwes ...


CEO Compensation Analysis

George's remuneration is about average for companies of similar size in United States of America.

George's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

8.6yrs

Average Tenure

53yo

Average Age

The average tenure for the Southwest Georgia Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

12.5yrs

Average Tenure

64yo

Average Age

The average tenure for the Southwest Georgia Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • George Drew (62yo)

    President

    • Tenure: 17.3yrs
    • Compensation: $518.25k
  • Donna Lott (43yo)

    Executive VP & Chief Administrative Officer

    • Tenure: 1.3yrs
  • Charles Lemons (67yo)

    CEO of Empire Financial Services Inc and President of Empire Financial Services Inc

    • Tenure: 12.6yrs
    • Compensation: $199.13k
  • Robert Craft

    Vice President and Secretary

  • Jeff Hanson (53yo)

    Executive VP & Chief Banking Officer

    • Tenure: 7.6yrs
    • Compensation: $269.48k
  • David Shiver (69yo)

    President of Sylvester Region and Senior Vice President of Southwest Georgia Bank

    • Tenure: 8.6yrs
  • Karen Boyd (50yo)

    Senior VP & Treasurer

    • Tenure: 2.0yrs
  • Ross Dekle (37yo)

    Executive VP & Moultrie Region President of Southwest Georgia Bank

    • Tenure: 8.6yrs

Board Members

  • George Drew (62yo)

    President

    • Tenure: 18.3yrs
    • Compensation: $518.25k
  • John Cole (69yo)

    Director

    • Tenure: 12.6yrs
    • Compensation: $320.32k
  • Cecil Barber (54yo)

    Vice Chairman of the Board

    • Tenure: 2.3yrs
    • Compensation: $34.70k
  • Richard Moss (67yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: $123.00k
  • Roy Reeves (59yo)

    Chairman of the Board

    • Tenure: 2.3yrs
    • Compensation: $38.90k
  • Johnny Slocumb (66yo)

    Director

    • Tenure: 28.6yrs
    • Compensation: $35.10k
  • Marcus Wells (61yo)

    Director

    • Tenure: 12.4yrs
    • Compensation: $26.70k
  • M. Wear (67yo)

    Director

    • Tenure: 12.4yrs
    • Compensation: $27.10k

Company Information

Southwest Georgia Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Southwest Georgia Financial Corporation
  • Ticker: SGB
  • Exchange: AMEX
  • Founded: 1928
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$50.508m
  • Shares outstanding: 2.55m
  • Website: Click here

Number of Employees


Location

  • Southwest Georgia Financial Corporation
  • 201 First Street, SE
  • Moultrie
  • Georgia
  • 31768
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SGBAMEX (NYSE MKT LLC)YesCommon StockUSUSDAug 1996

Biography

Southwest Georgia Financial Corporation operates as the holding company for Southwest Georgia Bank that provides banking and financial services to individuals, businesses, and governmental customers. The c ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/16 23:41
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.