SALISBURY BANCORP INC (SAL) Stock Fundamental Analysis
USA - NASDAQ:SAL - US7952261094 - Common Stock
27.88 USD
+0.43 (+1.57%)
Taking everything into account, SAL scores 3 out of 10 in our fundamental rating. SAL was compared to 388 industry peers in the Banks industry. SAL has a bad profitability rating. Also its financial health evaluation is rather negative. SAL has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
SAL had positive earnings in the past year.
SAL had a positive operating cash flow in the past year.
Each year in the past 5 years SAL has been profitable.
SAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of SAL (0.94%) is worse than 62.83% of its industry peers.
The Return On Equity of SAL (11.00%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 11% | ||
| ROIC | N/A |
ROA(3y)0.99%
ROA(5y)0.95%
ROE(3y)11.16%
ROE(5y)10.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SAL (26.49%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SAL has grown nicely.
SAL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.49% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.77%
PM growth 5Y11.87%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SAL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SAL has more shares outstanding
Compared to 1 year ago, SAL has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SAL is 1.28, which is an excellent value as it means it would take SAL, only 1.28 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.28, SAL is in the better half of the industry, outperforming 63.55% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that SAL is not too dependend on debt financing.
SAL's Debt to Equity ratio of 0.22 is on the low side compared to the rest of the industry. SAL is outperformed by 65.47% of its industry peers.
Even though the debt/equity ratio score it not favorable for SAL, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 2.32% over the past year.
The Earnings Per Share has been growing slightly by 4.19% on average over the past years.
SAL shows a small growth in Revenue. In the last year, the Revenue has grown by 2.40%.
SAL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.50% yearly.
EPS 1Y (TTM)2.32%
EPS 3Y-7.09%
EPS 5Y4.19%
EPS Q2Q%-10.61%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y9.38%
Revenue growth 5Y7.5%
Sales Q2Q%-13.37%
3.2 Future
The Earnings Per Share is expected to grow by 12.05% on average over the next years. This is quite good.
Based on estimates for the next years, SAL will show a decrease in Revenue. The Revenue will decrease by -3.61% on average per year.
EPS Next Y13%
EPS Next 2Y12.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-11.18%
Revenue Next 2Y-3.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.52 indicates a reasonable valuation of SAL.
Based on the Price/Earnings ratio, SAL is valued a bit more expensive than the industry average as 73.62% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of SAL to the average of the S&P500 Index (25.56), we can say SAL is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.12, the valuation of SAL can be described as very reasonable.
SAL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SAL is cheaper than 72.90% of the companies in the same industry.
SAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.62.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.52 | ||
| Fwd PE | 8.12 |
4.2 Price Multiples
SAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SAL is cheaper than 70.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SAL's earnings are expected to grow with 12.05% in the coming years.
PEG (NY)0.81
PEG (5Y)2.51
EPS Next 2Y12.05%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SAL has a Yearly Dividend Yield of 2.30%.
SAL's Dividend Yield is slightly below the industry average, which is at 3.39.
Compared to an average S&P500 Dividend Yield of 2.44, SAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
The dividend of SAL decreases each year by -5.24%.
SAL has paid a dividend for at least 10 years, which is a reliable track record.
SAL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-5.24%
Div Incr Years3
Div Non Decr Years13
5.3 Sustainability
25.32% of the earnings are spent on dividend by SAL. This is a low number and sustainable payout ratio.
DP25.32%
EPS Next 2Y12.05%
EPS Next 3YN/A
NASDAQ:SAL (8/11/2023, 8:22:23 PM)
27.88
+0.43 (+1.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0.18%
Inst Owner Change-99.31%
Ins Owners4.58%
Ins Owner Change0%
Market Cap161.87M
Revenue(TTM)55.27M
Net Income(TTM)14.64M
Analysts45
Price Target31.62 (13.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend0.85
Dividend Growth(5Y)-5.24%
DP25.32%
Div Incr Years3
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-19.83%
Min EPS beat(2)-20.79%
Max EPS beat(2)-18.87%
EPS beat(4)0
Avg EPS beat(4)-13.56%
Min EPS beat(4)-20.79%
Max EPS beat(4)-3.56%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)5.48%
Min Revenue beat(2)-1.19%
Max Revenue beat(2)12.16%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.52 | ||
| Fwd PE | 8.12 | ||
| P/S | 2.93 | ||
| P/FCF | 5.72 | ||
| P/OCF | 5.66 | ||
| P/B | 1.22 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.65
EY9.51%
EPS(NY)3.43
Fwd EY12.32%
FCF(TTM)4.88
FCFY17.49%
OCF(TTM)4.93
OCFY17.68%
SpS9.52
BVpS22.92
TBVpS20.51
PEG (NY)0.81
PEG (5Y)2.51
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.49% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.99%
ROA(5y)0.95%
ROE(3y)11.16%
ROE(5y)10.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.77%
PM growth 5Y11.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.28 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 17.19% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 193.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.75%
ROIC/WACCN/A
Cap/Depr(3y)142.19%
Cap/Depr(5y)119.24%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)115.85%
Profit Quality(5y)119.16%
High Growth Momentum
Growth
EPS 1Y (TTM)2.32%
EPS 3Y-7.09%
EPS 5Y4.19%
EPS Q2Q%-10.61%
EPS Next Y13%
EPS Next 2Y12.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.4%
Revenue growth 3Y9.38%
Revenue growth 5Y7.5%
Sales Q2Q%-13.37%
Revenue Next Year-11.18%
Revenue Next 2Y-3.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y90.14%
FCF growth 3Y29.42%
FCF growth 5Y26.35%
OCF growth 1Y44.8%
OCF growth 3Y24.19%
OCF growth 5Y21.87%
SALISBURY BANCORP INC / SAL FAQ
What is the ChartMill fundamental rating of SALISBURY BANCORP INC (SAL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SAL.
Can you provide the valuation status for SALISBURY BANCORP INC?
ChartMill assigns a valuation rating of 5 / 10 to SALISBURY BANCORP INC (SAL). This can be considered as Fairly Valued.
What is the profitability of SAL stock?
SALISBURY BANCORP INC (SAL) has a profitability rating of 3 / 10.
Can you provide the financial health for SAL stock?
The financial health rating of SALISBURY BANCORP INC (SAL) is 3 / 10.
How sustainable is the dividend of SALISBURY BANCORP INC (SAL) stock?
The dividend rating of SALISBURY BANCORP INC (SAL) is 5 / 10 and the dividend payout ratio is 25.32%.