Fundamental Analysis of Summit Financial Grp Inc. - Growth / Value Index
SMMF - Valuation Highlights
Valuation Analysis
Tsr Value Index - Good Score of 68.75
Undervalued - Price to Intrinsic Value of 0.171
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 6.51 | 6.82 | 8.77 % | |
| Price to Book | 1.21 | 0.832 | -11.56 % | 0.834 |
| Price to Sales | 1.72 | 2.20 | -5.04 % | |
| Enterprise Value to EBITDA Multiple | 33.07 | 6.09 | -6.04 % |
SMMF - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Earning Yield of 15.36 %
Excellent Net Margin for last 3 years
During the past twelve months, the company has given a strong Net Margin of 26.48%
Reasonable Dividend Yield of 3.42 %
Annual Net Profit in last 3 years is trending up
Company's Net Profit is increasing for last 5 Quarters
Company's Profit Before Tax is increasing for last 5 Quarters
EBITDA is continuously increasing for last 3 Years
Steady Growth in EPS for last four quarters
Good Return on Equity of 18.64% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 18.64 | 12.21 | -18.69 % | 3.75 |
| Return On Asset | 1.77 | 1.16 | -14.67 % | 0.367 |
| Net Profit Margin | 26.48 | 32.22 | -12.69 % | 24.15 |
| Operating Profit Margin | 36.44 | -2.31 | -101.56 % | 33.73 |
| EBITDA Margin | 13.05 | 80.27 | 17.51 % | -2.82 |
Highlights
| Market Cap | 377448 K |
| Enterprise Value | 826247 K |
| Price/Book TTM | 1.21 |
| Outstanding Share | 14686.70 K |
| Float/ Outstanding Share | 88.36% |
| Dividend Yield | 3.42 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.491 |
| Peter Lynch Ratio | -1.23 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.272 |
| Sloan Ratio | -0.0040 |
| Peter Lynch Fair Value | 62.01 |
SMMF - Growth Highlights
Growth Analysis
Tremendous increasing trend in total sale last 3 year
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 29.39
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 191435 K | 15.64 % | 2.37 % |
| Gross Profit | 188845 K | 82.60 % | 2.37 % |
| EBITDA | 24985.00 K | 35.89 % | 300.40 % |
| Net Profit | 50696.00 K | 0.962 % | 2.71 % |
| EPS | 3.95 | 8.06 % | NA |
SMMF - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 31.25
Altman Z Score of 0.272 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.970 | -1.62 % | 0.578 |
| Cash Ratio | -0.0071 | -100.36 % | |
| Quick Ratio | 0.0177 | -99.13 % | 0.119 |
| Shareholders Equity | 9.50 | 4.94 % | |
| Debt to EBITDA | 3.19 | -10.11 % |
Historical Valuation Ratios of Summit Financial Grp Inc.
Historical Valuation Ratios
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Historical Profitability Ratios of Summit Financial Grp Inc.
Historical Profitability Ratios
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Historical Efficiency Ratios of Summit Financial Grp Inc.
Historical Efficiency Ratios
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Historical Solvency Ratios of Summit Financial Grp Inc.
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)