25.7 USD
-0.66 (-2.5%)
25.7 USD
0 (0%)
Taking everything into account, SMMF scores 4 out of 10 in our fundamental rating. SMMF was compared to 387 industry peers in the Banks industry. SMMF has a medium profitability rating, but doesn't score so well on its financial health evaluation. SMMF is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year SMMF was profitable.
SMMF had a positive operating cash flow in the past year.
In the past 5 years SMMF has always been profitable.
SMMF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SMMF has a better Return On Assets (1.17%) than 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
The Profit Margin of SMMF (30.62%) is better than 77.91% of its industry peers.
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.
Compared to 5 years ago, SMMF has more shares outstanding
SMMF has a better debt/assets ratio than last year.
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.
With a decent Debt to FCF ratio value of 1.85, SMMF is doing good in the industry, outperforming 61.41% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that SMMF is not too dependend on debt financing.
SMMF's Debt to Equity ratio of 0.28 is in line compared to the rest of the industry. SMMF outperforms 42.48% of its industry peers.
| 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.
Measured over the past years, SMMF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.18% on average per year.
The Revenue has grown by 20.59% in the past year. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 3.08% on average over the next years.
The Revenue is expected to grow by 2.82% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.69, the valuation of SMMF can be described as very cheap.
SMMF's Price/Earnings ratio is rather cheap when compared to the industry. SMMF is cheaper than 89.56% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.54, SMMF is valued rather cheaply.
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.
SMMF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | 6.3 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SMMF is valued cheaply inside the industry as 86.65% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SMMF's 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
SMMF has a Yearly Dividend Yield of 3.42%.
Compared to an average industry Dividend Yield of 3.11, SMMF has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, SMMF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
5.2 History
On average, the dividend of SMMF grows each year by 12.01%, which is quite nice.
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
23.64% of the earnings are spent on dividend by SMMF. This is a low number and 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)
Earnings (Next)
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 of SUMMIT FINANCIAL GROUP INC (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 is the valuation of SUMMIT FINANCIAL GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SUMMIT FINANCIAL GROUP INC (SMMF) is 6.69 and the Price/Book (PB) ratio is 0.86.
Can you provide the expected EPS growth for SMMF stock?
The Earnings per Share (EPS) of SUMMIT FINANCIAL GROUP INC (SMMF) is expected to grow by 6.25% in the next year.