OTCPK:SVVB

Stock Analysis Report

Executive Summary

Savi Financial Corporation, Inc. operates as a 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.

Snowflake

Fundamentals

Flawless balance sheet with questionable track record.

Risks

  • Savi Financial is not covered by any analysts.

Share Price & News

How has Savi Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

OTCPK:SVVB

-1.8%

US Banks

0.2%

US Market


1 Year Return

-18.8%

OTCPK:SVVB

-15.3%

US Banks

-0.7%

US Market

SVVB underperformed the Banks industry which returned -15.3% over the past year.

SVVB underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

SVVBIndustryMarket
7 Day0.3%-1.8%0.2%
30 Day-1.4%-6.4%-2.7%
90 Dayn/a-4.0%1.6%
1 Year-18.8%-18.8%-12.9%-15.3%1.6%-0.7%
3 Yearn/a41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Savi Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Savi Financial undervalued based on future cash flows and its price relative to the stock market?

18.52x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

Savi Financial is overvalued based on earnings compared to the US Banks industry average.

Savi Financial is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Savi Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Savi Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Savi Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

14.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Savi Financial is high growth as no revenue estimate data is available.

Savi Financial's earnings are expected to grow by 14.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare Savi Financial's revenue growth to the United States of America market average as no estimate data is available.

Savi Financial's earnings growth is expected to exceed the United States of America market average.

Savi Financial'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 Savi Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Savi Financial performed over the past 5 years?

-2.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Savi Financial's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

Savi Financial's 1-year earnings growth exceeds its 5-year average (306.2% vs -2%)

Savi Financial's earnings growth has exceeded the US Banks industry average in the past year (306.2% vs 33.2%).


Return on Equity

Savi Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Savi Financial 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 Savi Financial 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 Savi Financial'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

Savi Financial has an acceptable proportion of non-loan assets held.

Savi Financial has a sufficient allowance for bad loans.

Savi Financial's liabilities are made up of primarily low risk sources of funding.

Savi Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Savi Financial are broadly funded by customer deposits.

Savi Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Savi Financial's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Savi Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Savi Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Savi Financial has not reported any payouts.

Unable to verify if Savi Financial's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Savi Financial has not reported any payouts.


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 Savi Financial's salary, the management and board of directors tenure and is there insider trading?


CEO

Savi Financial has no CEO, or we have no data on them.


Insider Trading

No 3 month open market individual insider trading information.


Management Team


    Board Members

    • Mike Cann (70yo)

      Chairman of the Board

      • Tenure: 0.0yrs
    • LuAnne Gordon Burkhart (58yo)

      Director

      • Tenure: 0.0yrs
    • Jay Duffy (61yo)

      Director

      • Tenure: 0.0yrs
    • Rogan Jones (48yo)

      Director

      • Tenure: 0.0yrs
    • Chet Lackey (69yo)

      Director

      • Tenure: 0.0yrs
    • Dean Smiley (58yo)

      Director

      • Tenure: 0.0yrs
    • Rick Tremaine (70yo)

      Director

      • Tenure: 0.0yrs
    • Jim Wene (47yo)

      Director

      • Tenure: 0.0yrs
    • Yvonne Fors (46yo)

      Director

      • Tenure: 0.0yrs
    • Ron Wallin (65yo)

      Director

      • Tenure: 0.0yrs

    Company Information

    Savi Financial Corporation, Inc.'s company bio, employee growth, exchange listings and data sources


    Key Information

    • Name: Savi Financial Corporation, Inc.
    • Ticker: SVVB
    • Exchange: OTCPK
    • Founded: 2005
    • Industry: Regional Banks
    • Sector: Banks
    • Market Cap: US$36.386m
    • Shares outstanding: 3.43m
    • Website: https://www.savibank.com

    Number of Employees


    Location

    • Savi Financial Corporation, Inc.
    • 1020 South Burlington Boulevard
    • Burlington
    • Washington
    • 98233
    • United States

    Listings

    TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
    SVVBOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDApr 2018

    Biography

    Savi Financial Corporation, Inc. operates as a holding company for SaviBank that provides various commercial banking products and services for small and middle-market businesses, and individuals in and aro ...


    Company Analysis and Financial Data Status

    All financial data provided by Standard & Poor's Capital IQ.
    DataLast Updated (UTC time)
    Company Analysis2019/08/22 00:46
    End of Day Share Price2019/08/21 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.