OTCPK:SFIG.A

Stock Analysis Report

Executive Summary

STAR Financial Group, Inc. operates as the bank holding company for STAR Financial Bank that provides various banking and financial services to individual and corporate customers in Central and Northeast Indiana.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • STAR Financial Group is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:SFIG.A

0.09%

US Banks

1.2%

US Market


1 Year Return

n/a

OTCPK:SFIG.A

-7.6%

US Banks

2.3%

US Market

No trading data on SFIG.A.

No trading data on SFIG.A.


Share holder returns

SFIG.AIndustryMarket
7 Day0%0.09%1.2%
30 Day0%0.5%2.0%
90 Dayn/a0.7%2.0%
1 Yearn/a-5.2%-7.6%4.6%2.3%
3 Year63.8%63.8%56.2%45.6%47.8%37.9%
5 Year96.9%96.9%58.6%41.7%57.3%39.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

10.78x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

STAR Financial Group's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

STAR Financial Group's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

STAR Financial Group is good value based on earnings compared to the US Banks industry average.

STAR Financial Group 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 STAR Financial Group, we can't assess if its growth is good value.


Price Based on Value of Assets

STAR Financial Group is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

6.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if STAR Financial Group is high growth as no revenue estimate data is available.

STAR Financial Group's earnings are expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).

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

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

STAR Financial Group'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 STAR Financial Group will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has STAR Financial Group performed over the past 5 years?

9.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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

STAR Financial Group's 1-year earnings growth exceeds its 5-year average (44.9% vs 9.9%)

STAR Financial Group's earnings growth has exceeded the US Banks industry average in the past year (44.9% vs 39.5%).


Return on Equity

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


Return on Assets

STAR Financial Group used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if STAR Financial Group 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 STAR 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

STAR Financial Group has an acceptable proportion of non-loan assets held.

STAR Financial Group has a sufficient allowance for bad loans.

STAR Financial Group's liabilities are made up of primarily low risk sources of funding.

STAR Financial Group's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at STAR Financial Group are broadly funded by customer deposits.

STAR Financial Group has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is STAR Financial Group's current dividend yield, its reliability and sustainability?

1.62%

Current Dividend Yield


Dividend Yield and Payments Analysis

STAR Financial Group's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.47%).

STAR Financial Group's dividend is below the markets top 25% of dividend payers in United States of America (3.75%).

STAR Financial Group has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).

Dividend payments have increased, but STAR Financial Group only paid a dividend in the past 9 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.5x 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 STAR Financial Group's salary, the management and board of directors tenure and is there insider trading?


CEO

Tom Marcuccilli

Mr. Thomas M. Marcuccilli, also known as Tom, serves as the Chairman of the Board and President at STAR Financial Group Inc. Mr. Marcuccilli serves as Vice Chairman of the Board of STAR Financial Bank and  ...


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Tom Wright

    Vice Chairman of the Board

  • Tom Marcuccilli

    Chairman & President

  • Jim Marcuccilli (67yo)

    Executive VP & Director

  • Gavin Mohr

    Treasurer & CFO

  • Casey Cox

    General Counsel & Secretary


Board Members

  • Tom Wright

    Vice Chairman of the Board

  • C. Wright

    Director

  • Tom Marcuccilli

    Chairman & President

  • Jim Marcuccilli (67yo)

    Executive VP & Director

  • Kristin Marcuccilli

    Director

  • Kathryn Miller

    Director

  • Kevin Wright

    Director

Company Information

STAR Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: STAR Financial Group, Inc.
  • Ticker: SFIG.A
  • Exchange: OTCPK
  • Founded: 1943
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$232.802m
  • Shares outstanding: 3.70m
  • Website: Click here

Number of Employees


Location

  • STAR Financial Group, Inc.
  • 127 West Berry Street
  • 2nd Floor
  • Fort Wayne
  • Indiana
  • 46802
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SFIG.AOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2003

Biography

STAR Financial Group, Inc. operates as the bank holding company for STAR Financial Bank that provides various banking and financial services to individual and corporate customers in Central and Northeast I ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/05/25 23:53
End of Day Share Price2019/02/25 00:00
Earnings2018/12/31
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.