SQCF Stock Overview

Operates as a financial holding company that provides various financial services to individuals and corporate customers. More details

SQCF fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 60% below our estimate of its fair value

Risk Analysis

Earnings have declined by 8.1% per year over past 5 years

Latest financial reports are more than 6 months old

Profit margins (13.6%) are lower than last year (27.3%)

Dividend of 7.41% is either not well covered by earnings currently or not forecast to be covered

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

Susquehanna Community Financial, Inc. Competitors

CMUV Bancorp

OTCPK:CMUV

US$36.7m

Northumberland Bancorp

OTCPK:NUBC

US$33.5m

Touchmark Bancshares

OTCPK:TMAK

US$36.9m

Golden Valley Bancshares

OTCPK:GVYB

US$38.6m

Price History & Performance

Summary of share price highs, lows and changes for Susquehanna Community Financial
Historical stock prices
Current Share Price	US$12.95
52 Week High	US$13.50
52 Week Low	US$10.00
Beta	0.23
1 Month Change	4.02%
3 Month Change	15.73%
1 Year Change	15.14%
3 Year Change	-29.16%
5 Year Change	-32.73%
Change since IPO	96.71%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	SQCF	US Banks	US Market
7D	-0.3%	-1.1%	-0.4%
1Y	15.1%	29.5%	24.8%

Return vs Industry: SQCF underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: SQCF underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is SQCF's price volatile compared to industry and market?
SQCF volatility
SQCF Average Weekly Movement	6.9%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: SQCF has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: SQCF's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1920	n/a	David Runk	scb.bank

Susquehanna Community Financial, Inc. operates as a financial holding company that provides various financial services to individuals and corporate customers. It accepts various deposit products, including checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as money market accounts. The company also offers residential mortgage loans, home equity loans, and other consumer loans; and commercial loans consisting of commercial and industrial, acquisition, construction and development, commercial real estate, and commercial construction loans, as well as operates as a mortgage loan originator.

Susquehanna Community Financial, Inc. Fundamentals Summary

How do Susquehanna Community Financial's earnings and revenue compare to its market cap?
SQCF fundamental statistics
Market cap	US$36.23m
Earnings (TTM)	US$2.22m
Revenue (TTM)	US$16.30m

16.6x

P/E Ratio

1.0x

P/B Ratio

Is SQCF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SQCF income statement (TTM)
Revenue	US$16.30m
Cost of Revenue	US$0
Gross Profit	US$16.30m
Other Expenses	US$14.08m
Earnings	US$2.22m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	0.78
Gross Margin	100.00%
Net Profit Margin	13.59%
Debt/Equity Ratio	143.1%

How did SQCF perform over the long term?

See historical performance and comparison

Dividends

7.4%

Current Dividend Yield

123%

Payout Ratio

Does SQCF pay a reliable dividends?

See SQCF dividend history and benchmarks

When do you need to buy SQCF by to receive an upcoming dividend?
Susquehanna Community Financial dividend dates
Ex Dividend Date	Dec 31 2024
Dividend Pay Date	Jan 17 2025
Days until Ex dividend	6 days
Days until Dividend pay date	23 days

Does SQCF pay a reliable dividends?

See SQCF dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 05:19
End of Day Share Price	2024/12/24 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Susquehanna Community Financial, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution