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.
Flawless balance sheet and good value.
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
Stable Share Price: SFIG.A has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: SFIG.A underperformed the US Banks industry which returned 10.3% over the past year.
Return vs Market: SFIG.A underperformed the US Market which returned 17.9% over the past year.
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
Is STAR Financial Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SFIG.A ($67) is trading below our estimate of fair value ($71.06)
Significantly Below Fair Value: SFIG.A is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: SFIG.A is good value based on its PE Ratio (11.5x) compared to the Banks industry average (12.6x).
PE vs Market: SFIG.A is good value based on its PE Ratio (11.5x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SFIG.A's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SFIG.A is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).
How is STAR Financial Group 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 STAR Financial Group 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.
- Examine whether STAR Financial Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access STAR Financial Group's filings and announcements here.
- Explore growth companies in the Banks industry.
How has STAR Financial Group performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: SFIG.A has high quality earnings.
Growing Profit Margin: SFIG.A's current net profit margins (22.7%) are higher than last year (16.1%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if SFIG.A's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare SFIG.A's past year earnings growth to its 5-year average.
Earnings vs Industry: SFIG.A earnings growth over the past year (44.9%) exceeded the Banks industry 12.2%.
Return on Equity
High ROE: SFIG.A's Return on Equity (9.7%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: SFIG.A has a low level of unsold assets or inventory.
Debt Coverage by Assets: SFIG.A's debt is covered by short term assets (assets are 1.8x debt).
Financial Institutions Analysis
Asset Level: SFIG.A's level of assets compared to its equity is low.
Allowance for Bad Loans: SFIG.A has a sufficient allowance for bad loans.
Low Risk Liabilities: SFIG.A's liabilities are made up of primarily low risk sources of funding.
Loan Level: SFIG.A has an acceptable proportion of non-loan assets held.
Low Risk Deposits: SFIG.A's loans are broadly funded by customer deposits.
Level of Bad Loans: SFIG.A has an appropriate level of bad loans (0.85%)
What is STAR Financial Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: SFIG.A's dividend (1.58%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: SFIG.A's dividend (1.58%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stability and Growth of Payments
Stable Dividend: SFIG.A's dividend payments have been volatile in the past 10 years.
Growing Dividend: SFIG.A's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (18.1%), SFIG.A'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.
How experienced are the management team and are they aligned to shareholders interests?
Tom Marcuccilli 0
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 ...
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
STAR Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: STAR Financial Group, Inc.
- Ticker: SFIG.A
- Exchange: OTCPK
- Founded: 1943
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$247.583m
- Shares outstanding: 3.70m
- Website: https://www.starfinancial.com
Number of Employees
- STAR Financial Group, Inc.
- 127 West Berry Street
- 2nd Floor
- Fort Wayne
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SFIG.A||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Sep 2003|
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. The company accepts checking and savings accounts, and health savings accounts; certificates of deposit; and individual retirement accounts. Its loan products include mortgage, home equity, auto, boat, recreational vehicle, and personal loans; commercial loans, including commercial real estate loans, agribusiness loans, and special loans and funding, as well as working capital and small bond financing products; small business loans; and equipment finance and leasing services. The company also offers credit cards; and treasury management services, such as ACH origination, account reconciliation, lockbox, merchant card processing, payroll, positive pay, remote deposit capture, sweep accounts, and wire transfer services. In addition, it provides home, auto, life, disability, long-term care, medicare, farm, property and casualty, risk management, employee benefits, specialty, and crop and hail insurance, as well as annuities; and bonding services. Further, the company offers private advisory services comprising investments, wealth management, and private banking services; and trust and investment advisory services, as well as online and mobile banking, bill payment, and money management services. It operates approximately 43 branches. STAR Financial Group, Inc. was founded in 1943 and is based in Fort Wayne, Indiana.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/23 01:23|
|End of Day Share Price||2020/02/13 00:00|
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.