Logo image of SIVBP

SVB FINANCIAL GROUP - SIVB 5 1/4 PERP (SIVBP) Stock Fundamental Analysis

NASDAQ:SIVBP - Nasdaq - US78486Q2003 - Currency: USD

15.23  -4.27 (-21.9%)

Premarket: 15.15 -0.08 (-0.53%)

Fundamental Rating

3

Taking everything into account, SIVBP scores 3 out of 10 in our fundamental rating. SIVBP was compared to 395 industry peers in the Banks industry. SIVBP has a bad profitability rating. Also its financial health evaluation is rather negative. SIVBP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

SIVBP had positive earnings in the past year.
SIVBP had a positive operating cash flow in the past year.
In the past 5 years SIVBP has always been profitable.
Each year in the past 5 years SIVBP had a positive operating cash flow.
SIVBP Yearly Net Income VS EBIT VS OCF VS FCFSIVBP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

1.2 Ratios

The Return On Assets of SIVBP (0.71%) is worse than 83.51% of its industry peers.
The Return On Equity of SIVBP (9.43%) is worse than 77.66% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 9.43%
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
SIVBP Yearly ROA, ROE, ROICSIVBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

With a Profit Margin value of 24.29%, SIVBP is not doing good in the industry: 71.54% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SIVBP has remained more or less at the same level.
SIVBP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.84%
PM growth 5Y-0.42%
GM growth 3YN/A
GM growth 5YN/A
SIVBP Yearly Profit, Operating, Gross MarginsSIVBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 10 20 30

More info and screens

2

2. Health

2.1 Basic Checks

SIVBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
SIVBP has more shares outstanding than it did 1 year ago.
SIVBP has a worse debt/assets ratio than last year.
SIVBP Yearly Shares OutstandingSIVBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M
SIVBP Yearly Total Debt VS Total AssetsSIVBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 50B 100B 150B 200B

2.2 Solvency

SIVBP has a debt to FCF ratio of 2.24. This is a good value and a sign of high solvency as SIVBP would need 2.24 years to pay back of all of its debts.
SIVBP has a Debt to FCF ratio (2.24) which is in line with its industry peers.
SIVBP has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of SIVBP (0.34) is worse than 74.20% of its industry peers.
Although SIVBP does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 2.24
Altman-Z N/A
ROIC/WACCN/A
WACC6.66%
SIVBP Yearly LT Debt VS Equity VS FCFSIVBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SIVBP Yearly Current Assets VS Current LiabilitesSIVBP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 200M 400M 600M 800M 1B

More info and screens

6

3. Growth

3.1 Past

SIVBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.73%.
SIVBP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.47% yearly.
Looking at the last year, SIVBP shows a small growth in Revenue. The Revenue has grown by 5.01% in the last year.
The Revenue has been growing by 25.73% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-19.73%
EPS 3Y5.27%
EPS 5Y20.47%
EPS Q2Q%-25.72%
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
Revenue growth 5Y25.73%
Sales Q2Q%1.87%

3.2 Future

SIVBP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.63% yearly.
Based on estimates for the next years, SIVBP will show a quite strong growth in Revenue. The Revenue will grow by 11.25% on average per year.
EPS Next Y-22.48%
EPS Next 2Y-0.46%
EPS Next 3Y8.63%
EPS Next 5YN/A
Revenue Next Year-5.84%
Revenue Next 2Y2.84%
Revenue Next 3Y11.25%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SIVBP Yearly Revenue VS EstimatesSIVBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
SIVBP Yearly EPS VS EstimatesSIVBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 0.60, the valuation of SIVBP can be described as very cheap.
Based on the Price/Earnings ratio, SIVBP is valued cheaper than 99.47% of the companies in the same industry.
SIVBP is valuated cheaply when we compare the Price/Earnings ratio to 24.85, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 0.78, the valuation of SIVBP can be described as very cheap.
Based on the Price/Forward Earnings ratio, SIVBP is valued cheaper than 99.73% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SIVBP to the average of the S&P500 Index (20.89), we can say SIVBP is valued rather cheaply.
Industry RankSector Rank
PE 0.6
Fwd PE 0.78
SIVBP Price Earnings VS Forward Price EarningsSIVBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

SIVBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SIVBP is cheaper than 99.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.34
EV/EBITDA N/A
SIVBP Per share dataSIVBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200 250

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.03
EPS Next 2Y-0.46%
EPS Next 3Y8.63%

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

SVB FINANCIAL GROUP - SIVB 5 1/4 PERP

NASDAQ:SIVBP (3/9/2023, 8:00:03 PM)

Premarket: 15.15 -0.08 (-0.53%)

15.23

-4.27 (-21.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-19 2023-01-19/amc
Earnings (Next)04-20 2023-04-20/amc
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap901.63M
Analysts75.17
Price Target21.8 (43.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP10.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.14%
Min EPS beat(2)-14.11%
Max EPS beat(2)1.84%
EPS beat(4)2
Avg EPS beat(4)-0.93%
Min EPS beat(4)-28.56%
Max EPS beat(4)37.12%
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)-2.99%
Min Revenue beat(2)-6.43%
Max Revenue beat(2)0.46%
Revenue beat(4)2
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-11.26%
Max Revenue beat(4)7.89%
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)13.08%
PT rev (3m)-11%
EPS NQ rev (1m)-1.9%
EPS NQ rev (3m)-9.42%
EPS NY rev (1m)-11.55%
EPS NY rev (3m)-11.55%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-3.85%
Revenue NY rev (1m)-4.83%
Revenue NY rev (3m)-4.83%
Valuation
Industry RankSector Rank
PE 0.6
Fwd PE 0.78
P/S 0.15
P/FCF 0.34
P/OCF 0.31
P/B 0.06
P/tB 0.06
EV/EBITDA N/A
EPS(TTM)25.35
EY166.45%
EPS(NY)19.65
Fwd EY129.03%
FCF(TTM)44.75
FCFY293.8%
OCF(TTM)48.38
OCFY317.65%
SpS104.95
BVpS270.33
TBVpS261.7
PEG (NY)N/A
PEG (5Y)0.03
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.29%
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 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.84%
PM growth 5Y-0.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 2.24
Debt/EBITDA N/A
Cap/Depr 96.85%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 175.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC6.66%
ROIC/WACCN/A
Cap/Depr(3y)86.13%
Cap/Depr(5y)83.37%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)128.52%
Profit Quality(5y)114.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-19.73%
EPS 3Y5.27%
EPS 5Y20.47%
EPS Q2Q%-25.72%
EPS Next Y-22.48%
EPS Next 2Y-0.46%
EPS Next 3Y8.63%
EPS Next 5YN/A
Revenue 1Y (TTM)5.01%
Revenue growth 3Y23.25%
Revenue growth 5Y25.73%
Sales Q2Q%1.87%
Revenue Next Year-5.84%
Revenue Next 2Y2.84%
Revenue Next 3Y11.25%
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 1Y55.92%
FCF growth 3Y34.1%
FCF growth 5Y34.76%
OCF growth 1Y58.06%
OCF growth 3Y35%
OCF growth 5Y34.66%