25.7 USD
-0.66 (-2.5%)
25.7 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SMMF. SMMF was compared to 383 industry peers in the Banks industry. While SMMF is still in line with the averages on profitability rating, there are concerns on its financial health. SMMF is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- SMMF had positive earnings in the past year.
- In the past year SMMF had a positive cash flow from operations.
- In the past 5 years SMMF has always been profitable.
- In the past 5 years SMMF always reported a positive cash flow from operatings.
1.2 Ratios
- SMMF's Return On Assets of 1.17% is fine compared to the rest of the industry. SMMF outperforms 76.21% of its industry peers.
- The Return On Equity of SMMF (12.34%) is better than 81.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 12.34% | ||
| ROIC | N/A |
ROA(3y)1.26%
ROA(5y)1.22%
ROE(3y)13.62%
ROE(5y)12.97%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 30.62%, SMMF is in the better half of the industry, outperforming 77.91% of the companies in the same industry.
- In the last couple of years the Profit Margin of SMMF has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for SMMF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.62% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.19%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- SMMF does not have a ROIC to compare to the WACC, probably because it is not profitable.
- SMMF has more shares outstanding than it did 1 year ago.
- The debt/assets ratio for SMMF has been reduced compared to a year ago.
2.2 Solvency
- SMMF has a debt to FCF ratio of 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
- SMMF's Debt to FCF ratio of 1.85 is fine compared to the rest of the industry. SMMF outperforms 61.41% of its industry peers.
- SMMF has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.28, SMMF perfoms like the industry average, outperforming 42.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for SMMF have decreased by -6.11% in the last year.
- The Earnings Per Share has been growing by 11.18% on average over the past years. This is quite good.
- Looking at the last year, SMMF shows a very strong growth in Revenue. The Revenue has grown by 20.59%.
- Measured over the past years, SMMF shows a quite strong growth in Revenue. The Revenue has been growing by 15.27% on average per year.
EPS 1Y (TTM)-6.11%
EPS 3Y16.64%
EPS 5Y11.18%
EPS Q2Q%-8.62%
Revenue 1Y (TTM)20.59%
Revenue growth 3Y15.35%
Revenue growth 5Y15.27%
Sales Q2Q%18.8%
3.2 Future
- Based on estimates for the next years, SMMF will show a small growth in Earnings Per Share. The EPS will grow by 3.08% on average per year.
- Based on estimates for the next years, SMMF will show a small growth in Revenue. The Revenue will grow by 2.82% on average per year.
EPS Next Y6.25%
EPS Next 2Y3.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.35%
Revenue Next 2Y2.82%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.69, the valuation of SMMF can be described as very cheap.
- Based on the Price/Earnings ratio, SMMF is valued cheaper than 89.56% of the companies in the same industry.
- SMMF is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 6.30, the valuation of SMMF can be described as very cheap.
- Based on the Price/Forward Earnings ratio, SMMF is valued cheaply inside the industry as 94.42% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, SMMF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | 6.3 |
4.2 Price Multiples
- 86.65% of the companies in the same industry are more expensive than SMMF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.07
PEG (5Y)0.6
EPS Next 2Y3.08%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.42%, SMMF has a reasonable but not impressive dividend return.
- SMMF's Dividend Yield is comparable with the industry average which is at 2.91.
- Compared to an average S&P500 Dividend Yield of 1.86, SMMF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
5.2 History
- The dividend of SMMF is nicely growing with an annual growth rate of 12.01%!
- SMMF has been paying a dividend for at least 10 years, so it has a reliable track record.
- As SMMF did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)12.01%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
- SMMF pays out 23.64% of its income as dividend. This is a sustainable payout ratio.
- SMMF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.64%
EPS Next 2Y3.08%
EPS Next 3YN/A
25.7
-0.66 (-2.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2024-04-25/amc
Earnings (Next)07-25 2024-07-25/amc
Inst Owners7.2%
Inst Owner Change0%
Ins Owners3.58%
Ins Owner Change0%
Market Cap377.53M
Revenue(TTM)177.44M
Net Income(TTM)54.34M
Analysts43.33
Price Target30.6 (19.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
Yearly Dividend0.94
Dividend Growth(5Y)12.01%
DP23.64%
Div Incr Years8
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.49%
Min EPS beat(2)-5.53%
Max EPS beat(2)8.51%
EPS beat(4)2
Avg EPS beat(4)-5.93%
Min EPS beat(4)-28.46%
Max EPS beat(4)8.51%
EPS beat(8)3
Avg EPS beat(8)-4.39%
EPS beat(12)6
Avg EPS beat(12)-2.31%
EPS beat(16)9
Avg EPS beat(16)14.72%
Revenue beat(2)1
Avg Revenue beat(2)3.54%
Min Revenue beat(2)-1.73%
Max Revenue beat(2)8.81%
Revenue beat(4)3
Avg Revenue beat(4)8.94%
Min Revenue beat(4)-1.73%
Max Revenue beat(4)17.66%
Revenue beat(8)7
Avg Revenue beat(8)10.25%
Revenue beat(12)11
Avg Revenue beat(12)10.72%
Revenue beat(16)15
Avg Revenue beat(16)13.66%
PT rev (1m)0%
PT rev (3m)30.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | 6.3 | ||
| P/S | 2.13 | ||
| P/FCF | 5.67 | ||
| P/OCF | 5.12 | ||
| P/B | 0.86 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.84
EY14.94%
EPS(NY)4.08
Fwd EY15.88%
FCF(TTM)4.54
FCFY17.65%
OCF(TTM)5.02
OCFY19.53%
SpS12.08
BVpS29.97
TBVpS24.9
PEG (NY)1.07
PEG (5Y)0.6
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 12.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.62% | ||
| GM | N/A | ||
| FCFM | 37.56% |
ROA(3y)1.26%
ROA(5y)1.22%
ROE(3y)13.62%
ROE(5y)12.97%
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 3Y4.19%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 98.66% | ||
| Cap/Sales | 3.99% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 122.63% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.47%
ROIC/WACCN/A
Cap/Depr(3y)71.18%
Cap/Depr(5y)120.9%
Cap/Sales(3y)2.8%
Cap/Sales(5y)5.09%
Profit Quality(3y)125.68%
Profit Quality(5y)118.32%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.11%
EPS 3Y16.64%
EPS 5Y11.18%
EPS Q2Q%-8.62%
EPS Next Y6.25%
EPS Next 2Y3.08%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.59%
Revenue growth 3Y15.35%
Revenue growth 5Y15.27%
Sales Q2Q%18.8%
Revenue Next Year1.35%
Revenue Next 2Y2.82%
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 1Y0.08%
FCF growth 3Y22.74%
FCF growth 5Y15.11%
OCF growth 1Y8.52%
OCF growth 3Y18.17%
OCF growth 5Y13.87%
SUMMIT FINANCIAL GROUP INC / SMMF FAQ
Can you provide the ChartMill fundamental rating for SUMMIT FINANCIAL GROUP INC?
ChartMill assigns a fundamental rating of 4 / 10 to SMMF.
What is the valuation status for SMMF stock?
ChartMill assigns a valuation rating of 7 / 10 to SUMMIT FINANCIAL GROUP INC (SMMF). This can be considered as Undervalued.
Can you provide the profitability details for SUMMIT FINANCIAL GROUP INC?
SUMMIT FINANCIAL GROUP INC (SMMF) has a profitability rating of 4 / 10.
What are the PE and PB ratios of SUMMIT FINANCIAL GROUP INC (SMMF) stock?
The Price/Earnings (PE) ratio for SUMMIT FINANCIAL GROUP INC (SMMF) is 6.69 and the Price/Book (PB) ratio is 0.86.
What is the expected EPS growth for SUMMIT FINANCIAL GROUP INC (SMMF) stock?
The Earnings per Share (EPS) of SUMMIT FINANCIAL GROUP INC (SMMF) is expected to grow by 6.25% in the next year.