SALISBURY BANCORP INC (SAL) Stock Fundamental Analysis

NASDAQ:SAL • US7952261094

27.88 USD
+0.43 (+1.57%)
Last: Aug 11, 2023, 08:22 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall SAL gets a fundamental rating of 3 out of 10. We evaluated SAL against 381 industry peers in the Banks industry. SAL may be in some trouble as it scores bad on both profitability and health. SAL has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

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.
SAL Yearly Net Income VS EBIT VS OCF VS FCFSAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M 25M

1.2 Ratios

  • SAL's Return On Assets of 0.94% is on the low side compared to the rest of the industry. SAL is outperformed by 62.83% of its industry peers.
  • SAL's Return On Equity of 11.00% is in line compared to the rest of the industry. SAL outperforms 48.20% of its industry peers.
Industry RankSector 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
SAL Yearly ROA, ROE, ROICSAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 26.49%, SAL is in line with its industry, outperforming 44.36% of the companies in the same industry.
  • SAL's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SAL so they could not be analyzed.
Industry RankSector 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
SAL Yearly Profit, Operating, Gross MarginsSAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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
  • SAL has a better debt/assets ratio than last year.
SAL Yearly Shares OutstandingSAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M 4M 5M
SAL Yearly Total Debt VS Total AssetsSAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B

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.
  • With a decent Debt to FCF ratio value of 1.28, SAL is doing good in 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 has a worse Debt to Equity ratio (0.22) than 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 RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.28
Altman-Z N/A
ROIC/WACCN/A
WACC8.75%
SAL Yearly LT Debt VS Equity VS FCFSAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SAL Yearly Current Assets VS Current LiabilitesSAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.32% over the past year.
  • SAL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.19% yearly.
  • The Revenue has been growing slightly by 2.40% in the past year.
  • Measured over the past years, SAL shows a small growth in Revenue. The Revenue has been growing by 7.50% on average per year.
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.
  • SAL is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.61% yearly.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
SAL Yearly Revenue VS EstimatesSAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
SAL Yearly EPS VS EstimatesSAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.52, the valuation of SAL can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of SAL indicates a slightly more expensive valuation: SAL is more expensive than 73.62% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.19, SAL is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.12, the valuation of SAL can be described as reasonable.
  • 72.90% of the companies in the same industry are more expensive than SAL, based on the Price/Forward Earnings ratio.
  • SAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 10.52
Fwd PE 8.12
SAL Price Earnings VS Forward Price EarningsSAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 70.74% of the companies in the same industry are more expensive than SAL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.72
EV/EBITDA N/A
SAL Per share dataSAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • SAL's 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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.30%, SAL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, SAL is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, SAL pays a bit more dividend than the S&P500 average.
Industry RankSector 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-5.24%
Div Incr Years3
Div Non Decr Years13
SAL Yearly Dividends per shareSAL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6

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
SAL Yearly Income VS Free CF VS DividendSAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M 25M
SAL Dividend Payout.SAL Dividend Payout, showing the Payout Ratio.SAL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SALISBURY BANCORP INC

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)07-26
Earnings (Next)10-17
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.


What is the valuation status of SALISBURY BANCORP INC (SAL) stock?

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.


What is the financial health of SALISBURY BANCORP INC (SAL) stock?

The financial health rating of SALISBURY BANCORP INC (SAL) is 3 / 10.


Can you provide the dividend sustainability for SAL stock?

The dividend rating of SALISBURY BANCORP INC (SAL) is 5 / 10 and the dividend payout ratio is 25.32%.