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Select Bancorp Inc (SLCT) Stock Fundamental Analysis

NASDAQ:SLCT - Nasdaq -

18.88  -0.47 (-2.43%)

After market: 18.7 -0.18 (-0.95%)

Fundamental Rating

2

SLCT gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. SLCT may be in some trouble as it scores bad on both profitability and health. SLCT is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

SLCT had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.98%
ROE 8.28%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Operating Margin and Gross Margin are not available for SLCT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

SLCT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

SLCT has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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7

3. Growth

3.1 Past

SLCT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 141.86%, which is quite impressive.
Measured over the past years, SLCT shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.28% on average per year.
Looking at the last year, SLCT shows a very strong growth in Revenue. The Revenue has grown by 28.65%.
The Revenue has been growing by 12.10% on average over the past years. This is quite good.
EPS 1Y (TTM)141.86%
EPS 3Y-10.94%
EPS 5Y-4.28%
EPS Q2Q%700%
Revenue 1Y (TTM)28.65%
Revenue growth 3Y15.94%
Revenue growth 5Y12.1%
Sales Q2Q%35.05%

3.2 Future

The Earnings Per Share is expected to grow by 22.20% on average over the next years. This is a very strong growth
SLCT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.56% yearly.
EPS Next Y196.91%
EPS Next 2Y61.14%
EPS Next 3Y41.84%
EPS Next 5Y22.2%
Revenue Next Year28.16%
Revenue Next 2Y14.97%
Revenue Next 3Y12.82%
Revenue Next 5Y9.56%

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.
SLCT Yearly Revenue VS EstimatesSLCT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
SLCT Yearly EPS VS EstimatesSLCT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.15, the valuation of SLCT can be described as rather expensive.
Compared to an average S&P500 Price/Earnings ratio of 29.62, SLCT is valued a bit cheaper.
A Price/Forward Earnings ratio of 15.81 indicates a correct valuation of SLCT.
SLCT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 18.15
Fwd PE 15.81
SLCT Price Earnings VS Forward Price EarningsSLCT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SLCT Per share dataSLCT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
SLCT's earnings are expected to grow with 41.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)N/A
EPS Next 2Y61.14%
EPS Next 3Y41.84%

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0

5. Dividend

5.1 Amount

No dividends for SLCT!.
Industry RankSector Rank
Dividend Yield N/A

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Select Bancorp Inc

NASDAQ:SLCT (10/15/2021, 8:05:20 PM)

After market: 18.7 -0.18 (-0.95%)

18.88

-0.47 (-2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.22%
Inst Owner Change-27.23%
Ins Owners4.14%
Ins Owner Change0%
Market Cap325.30M
Analysts100
Price Target17.6 (-6.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 18.15
Fwd PE 15.81
P/S 4.79
P/FCF N/A
P/OCF N/A
P/B 1.47
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.04
EY5.51%
EPS(NY)1.19
Fwd EY6.33%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.94
BVpS12.85
TBVpSN/A
PEG (NY)0.09
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 8.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.98%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)141.86%
EPS 3Y-10.94%
EPS 5Y-4.28%
EPS Q2Q%700%
EPS Next Y196.91%
EPS Next 2Y61.14%
EPS Next 3Y41.84%
EPS Next 5Y22.2%
Revenue 1Y (TTM)28.65%
Revenue growth 3Y15.94%
Revenue growth 5Y12.1%
Sales Q2Q%35.05%
Revenue Next Year28.16%
Revenue Next 2Y14.97%
Revenue Next 3Y12.82%
Revenue Next 5Y9.56%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A