SVVB Stock Overview

Operates as a financial holding company for SaviBank that provides various commercial banking products and services for small and middle-market businesses, and individuals in and around Skagit, Island, and Whatcom counties in the United States. More details

SVVB fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

Risk Analysis

Earnings have declined by 14.3% per year over past 5 years

Shares are highly illiquid

Does not have a meaningful market cap ($52M)

My Notes

Capture your thoughts, links and company narrative

Savi Financial Corporation, Inc. Competitors

Muncy Bank Financial

OTCPK:MYBF

US$53.1m

Community Bancshares (McArthur OH)

OTCPK:CNUN

US$52.3m

Harford Bank

OTCPK:HFBK

US$51.8m

1ST SUMMIT BANCORP of Johnstown

OTCPK:FSMK

US$55.5m

Price History & Performance

Summary of share price highs, lows and changes for Savi Financial Corporation
Historical stock prices
Current Share Price	US$15.10
52 Week High	US$15.15
52 Week Low	US$7.83
Beta	0.57
1 Month Change	0%
3 Month Change	n/a
1 Year Change	94.84%
3 Year Change	37.90%
5 Year Change	28.51%
Change since IPO	302.67%

Recent updates

Shareholder Returns

	SVVB	US Banks	US Market
7D	-0.3%	-1.8%	-2.1%
1Y	94.8%	30.3%	21.3%

Return vs Industry: SVVB exceeded the US Banks industry which returned 30.3% over the past year.

Return vs Market: SVVB exceeded the US Market which returned 21.3% over the past year.

Price Volatility

Is SVVB's price volatile compared to industry and market?
SVVB volatility
SVVB Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.2%

Stable Share Price: SVVB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine SVVB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2005	142	Mike Cann	www.savibank.com

Savi Financial Corporation, Inc. operates as a financial holding company for SaviBank that provides various commercial banking products and services for small and middle-market businesses, and individuals in and around Skagit, Island, and Whatcom counties in the United States. It offers checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also provides commercial real estate, commercial term, government guaranteed small business lending, and small business administration disaster loans, as well as commercial lines of credit; home loans; and auto loans, boat or other recreational vehicle loans, home equity fixed rate loans, and home equity line of credit.

Savi Financial Corporation, Inc. Fundamentals Summary

How do Savi Financial Corporation's earnings and revenue compare to its market cap?
SVVB fundamental statistics
Market cap	US$52.49m
Earnings (TTM)	-US$1.75m
Revenue (TTM)	US$21.76m

1.4x

P/B Ratio

2.4x

P/S Ratio

Is SVVB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SVVB income statement (TTM)
Revenue	US$21.76m
Cost of Revenue	US$0
Gross Profit	US$21.76m
Other Expenses	US$23.51m
Earnings	-US$1.75m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-0.50
Gross Margin	100.00%
Net Profit Margin	-8.07%
Debt/Equity Ratio	138.6%

How did SVVB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/11 23:37
End of Day Share Price	2025/01/07 00:00
Earnings	2024/09/30
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

Savi Financial Corporation, 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