OTCPK:SVBT

Stock Analysis Report

Executive Summary

SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company that provides banking and financial services to individual and corporate customers in Orange, Dubois, and surrounding counties in southern Indiana.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • SVB & T is not covered by any analysts.

Share Price & News

How has SVB & T's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:SVBT

0.3%

US Banks

0.9%

US Market


1 Year Return

1.6%

OTCPK:SVBT

-13.6%

US Banks

0.3%

US Market

SVBT outperformed the Banks industry which returned -14.2% over the past year.

SVBT outperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

SVBTIndustryMarket
7 Day0%0.3%0.9%
30 Day1.3%-5.1%-1.9%
90 Day-2.2%-3.5%1.6%
1 Year3.4%1.6%-11.2%-13.6%2.6%0.3%
3 Yearn/a43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is SVB & T's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is SVB & T undervalued based on future cash flows and its price relative to the stock market?

12.62x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

SVB & T is overvalued based on earnings compared to the US Banks industry average.

SVB & T 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 SVB & T, we can't assess if its growth is good value.


Price Based on Value of Assets

SVB & T is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is SVB & T expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if SVB & T is high growth as no revenue estimate data is available.

SVB & T's earnings are expected to grow by 8.8% yearly, however this is not considered high growth (20% yearly).

Unable to compare SVB & T's revenue growth to the United States of America market average as no estimate data is available.

SVB & T's earnings growth is positive but not above the United States of America market average.

SVB & T'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 SVB & T will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has SVB & T performed over the past 5 years?

10.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

SVB & T's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.

SVB & T's 1-year earnings growth is negative, it can't be compared to the 5-year average.

SVB & T's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

SVB & T has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

SVB & T 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 SVB & T 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 SVB & T'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

Information is not available.

Information is not available.


Financial Institutions Analysis

SVB & T has an acceptable proportion of non-loan assets held.

SVB & T has a sufficient allowance for bad loans.

SVB & T's liabilities are made up of primarily low risk sources of funding.

SVB & T's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at SVB & T are broadly funded by customer deposits.

SVB & T has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is SVB & T's current dividend yield, its reliability and sustainability?

1.23%

Current Dividend Yield


Upcoming Dividend Payment

Purchase SVB & T before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

SVB & T's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

SVB & T's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

It is too early to tell whether SVB & T has stable dividend payments.

SVB & T only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (6.8x 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 SVB & T's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average board tenure


CEO

Jamie Shinabarger (62yo)

0.0yrs

Tenure

0

Mr. Jamie R. Shinabarger has been President, Chief Executive Officer of SVB&T Corporation and Springs Valley Bank & Trust Company. He serves as a Director of SVB&T Corporation since 2008. Mr. Shinabarger j ...


Board Age and Tenure

7.6yrs

Average Tenure

71yo

Average Age

The tenure for the SVB & T board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Darrell Blocker (66yo)

    Treasurer & CFO

    • Tenure: 0.0yrs
  • James Tucker (72yo)

    Secretary & Director

    • Tenure: 30.6yrs
  • Jamie Shinabarger (62yo)

    President

    • Tenure: 0.0yrs
  • Martin Kaiser (52yo)

    Senior EVP & Trust Manager

    • Tenure: 0.0yrs
  • J. Buse (39yo)

    Senior EVP

    • Tenure: 0.0yrs
  • Ross Key

    Vice President

    • Tenure: 0.0yrs
  • Dianna Land (41yo)

    Senior VP of HR & Marketing

    • Tenure: 0.0yrs
  • Michael Egler

    Vice President

    • Tenure: 0.0yrs
  • Vicki Englert

    Vice President

    • Tenure: 0.0yrs
  • Brian Smith

    Assistant Vice President

    • Tenure: 0.0yrs

Board Members

  • Douglas Habig (72yo)

    Chairman of the Board

    • Tenure: 0.0yrs
  • Ronald Thyen (82yo)

    Director

    • Tenure: 20.6yrs
  • John Habig (86yo)

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • James Tucker (72yo)

    Secretary & Director

    • Tenure: 30.6yrs
  • Jamie Shinabarger (62yo)

    President

    • Tenure: 0.0yrs
  • Frank Hall (70yo)

    Director

    • Tenure: 7.6yrs
  • Tracy Lorey (49yo)

    Director

    • Tenure: 2.9yrs
  • Tonya Heim (70yo)

    Director

    • Tenure: 5.1yrs
  • Bob Schneider

    Director

    • Tenure: 0.5yrs

Company Information

SVB & T Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: SVB & T Corporation
  • Ticker: SVBT
  • Exchange: OTCPK
  • Founded: 1959
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$45.290m
  • Shares outstanding: 559.14k
  • Website: https://www.svbt.bank

Location

  • SVB & T Corporation
  • 8482 West State Road 56
  • French Lick
  • Indiana
  • 47432
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SVBTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2018

Biography

SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company that provides banking and financial services to individual and corporate customers in Orange, Dubois, and ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 01:01
End of Day Share Price2019/08/19 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.