SILVERGATE CAPITAL CORP-CL A (SI)
US82837P4081 - Common Stock
Taking everything into account, SI scores 2 out of 10 in our fundamental rating. SI was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of SI have multiple concerns. SI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year SI was profitable.
Of the past 5 years SI 4 years were profitable.
In the past 5 years SI reported 4 times negative operating cash flow.
1.2 Ratios
SI has negative profitability rations, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| 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
In the last couple of years the Profit Margin of SI has grown nicely.
SI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y76.44%
PM growth 5Y56.45%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SI does not have a ROIC to compare to the WACC, probably because it is not profitable.
SI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SI has more shares outstanding
SI has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.03 indicates that SI is not too dependend on debt financing.
SI has a better Debt to Equity ratio (0.03) than 81.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.34%, which is quite impressive.
Looking at the last year, SI shows a very negative growth in Revenue. The Revenue has decreased by -446.38% in the last year.
EPS 1Y (TTM)27.34%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-27.27%
Revenue 1Y (TTM)-446.38%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q-1791.86%
3.2 Future
Based on estimates for the next years, SI will show a very negative growth in Earnings Per Share. The EPS will decrease by -19.40% on average per year.
Based on estimates for the next years, SI will show a very strong growth in Revenue. The Revenue will grow by 32.89% on average per year.
EPS Next Y-90.2%
EPS Next 2Y-47.1%
EPS Next 3Y-19.4%
EPS Next 5YN/A
Revenue Next Year124.61%
Revenue Next 2Y53.95%
Revenue Next 3Y32.89%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 0.34 indicates a rather cheap valuation of SI.
Compared to the rest of the industry, the Price/Earnings ratio of SI indicates a rather cheap valuation: SI is cheaper than 99.77% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SI to the average of the S&P500 Index (28.06), we can say SI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 3.47, the valuation of SI can be described as very cheap.
SI's Price/Forward Earnings ratio is rather cheap when compared to the industry. SI is cheaper than 96.96% of the companies in the same industry.
SI is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.34 | ||
| Fwd PE | 3.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SI's earnings are expected to decrease with -19.40% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-47.1%
EPS Next 3Y-19.4%
5. Dividend
5.1 Amount
No dividends for SI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SILVERGATE CAPITAL CORP-CL A
NYSE:SI (5/10/2023, 7:22:59 PM)
After market: 1.29 +0.04 (+3.2%)1.25
+0.01 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap39.57M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.34 | ||
| Fwd PE | 3.47 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover-0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)27.34%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-90.2%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-446.38%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y