SVB & T Past Earnings Performance
Past criteria checks 1/6
SVB & T's earnings have been declining at an average annual rate of -14%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 0.02% per year. SVB & T's return on equity is 11.5%, and it has net margins of 24.3%.
Key information
-14.0%
Earnings growth rate
-13.8%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 0.02% |
| Return on equity | 11.5% |
| Net Margin | 24.3% |
| Last Earnings Update | 31 Dec 2022 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How SVB & T makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 22 | 26 | 6 | 13 | 0 |
| 31 Dec 21 | 26 | 7 | 12 | 0 |
| 30 Sep 21 | 25 | 8 | 12 | 0 |
| 31 Dec 20 | 21 | 5 | 11 | 0 |
| 30 Sep 20 | 21 | 5 | 11 | 0 |
| 30 Jun 20 | 20 | 5 | 11 | 0 |
| 31 Mar 20 | 20 | 4 | 10 | 0 |
| 31 Dec 19 | 19 | 4 | 10 | 0 |
| 30 Sep 19 | 18 | 4 | 10 | 0 |
| 30 Jun 19 | 18 | 4 | 9 | 0 |
| 31 Mar 19 | 17 | 4 | 9 | 0 |
| 31 Dec 18 | 17 | 4 | 8 | 0 |
| 30 Sep 18 | 17 | 4 | 10 | 0 |
| 30 Jun 18 | 17 | 4 | 9 | 0 |
| 31 Mar 18 | 17 | 4 | 8 | 0 |
| 31 Dec 17 | 16 | 3 | 8 | 0 |
| 31 Dec 16 | 15 | 3 | 8 | 0 |
| 31 Dec 15 | 14 | 3 | 0 | 0 |
Quality Earnings: SVBT has high quality earnings.
Growing Profit Margin: SVBT's current net profit margins (24.3%) are lower than last year (28.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if SVBT's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: SVBT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SVBT had negative earnings growth (-14%) over the past year, making it difficult to compare to the Banks industry average (-12.4%).
Return on Equity
High ROE: SVBT's Return on Equity (11.5%) is considered low.