SVB & T Corp
SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company, providing banking, financial, and wealth management services to families and businesses in Dubois, Daviess, Gibson, Orange, and surrounding counties in southern Indiana. The company offers checking, savings, and club accounts, certificates of deposit, individual retirement accounts, health savings… Read more
SVB & T Corp (SVBT) - Net Assets
Latest net assets as of September 2025: $70.75 Million USD
Based on the latest financial reports, SVB & T Corp (SVBT) has net assets worth $70.75 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($635.23 Million) and total liabilities ($564.49 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $70.75 Million |
| % of Total Assets | 11.14% |
| Annual Growth Rate | 4.62% |
| 5-Year Change | 31.42% |
| 10-Year Change | 154.85% |
| Growth Volatility | 25.4 |
SVB & T Corp - Net Assets Trend (1999–2023)
This chart illustrates how SVB & T Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for SVB & T Corp (1999–2023)
The table below shows the annual net assets of SVB & T Corp from 1999 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $60.28 Million | +9.21% |
| 2022-12-31 | $55.20 Million | -2.52% |
| 2021-12-31 | $56.62 Million | +10.22% |
| 2020-12-31 | $51.37 Million | +12.00% |
| 2019-12-31 | $45.87 Million | +12.83% |
| 2018-12-31 | $40.65 Million | +8.74% |
| 2017-12-31 | $37.38 Million | +6.16% |
| 2016-12-31 | $35.22 Million | +87.64% |
| 2002-12-31 | $18.77 Million | -20.65% |
| 2001-12-31 | $23.65 Million | +5.27% |
| 2000-12-31 | $22.47 Million | +10.31% |
| 1999-12-31 | $20.37 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to SVB & T Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 332.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $67.25 Million | 111.56% |
| Total Equity | $60.28 Million | 100.00% |
SVB & T Corp Competitors by Market Cap
The table below lists competitors of SVB & T Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
PNB Gilts Limited
NSE:PNBGILTS
|
$34.22 Million |
|
Jung Shing Wire Co Ltd
TW:1617
|
$34.23 Million |
|
Ribbon Acquisition Corp Unit
NASDAQ:RIBBU
|
$34.23 Million |
|
DigitalX Limited
OTCQB:DGGXF
|
$34.24 Million |
|
Pc Iletisim ve Medya Hizmetleri Sanayi Ticaret AS
IS:PCILT
|
$34.19 Million |
|
IX Acquisition Corp
NASDAQ:IXAQ
|
$34.18 Million |
|
Tobii AB (publ)
F:24T
|
$34.18 Million |
|
Artiva Biotherapeutics, Inc. Common Stock
NASDAQ:ARTV
|
$34.17 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in SVB & T Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 55,197,000 to 60,280,000, a change of 5,083,000 (9.2%).
- Net income of 5,646,000 contributed positively to equity growth.
- Dividend payments of 785,000 reduced retained earnings.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $5.65 Million | +9.37% |
| Dividends Paid | $785.00K | -1.3% |
| Other Changes | $222.00K | +0.37% |
| Total Change | $- | 9.21% |
Book Value vs Market Value Analysis
This analysis compares SVB & T Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.79x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $0.00 | $43.10 | x |
| 2017-12-31 | $66.86 | $43.10 | x |
| 2018-12-31 | $72.70 | $43.10 | x |
| 2019-12-31 | $82.03 | $43.10 | x |
| 2020-12-31 | $91.87 | $43.10 | x |
| 2021-12-31 | $51.54 | $43.10 | x |
| 2022-12-31 | $50.31 | $43.10 | x |
| 2023-12-31 | $54.86 | $43.10 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently SVB & T Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.37%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.69%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.18x
- Recent ROE (9.37%) is above the historical average (9.08%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | 6.90% | 16.46% | 0.04x | 10.67x | $-632.35K |
| 2000 | 9.07% | 20.18% | 0.04x | 11.00x | $-207.87K |
| 2001 | 6.75% | 17.06% | 0.04x | 10.17x | $-768.30K |
| 2002 | 5.96% | 12.83% | 0.04x | 12.90x | $-757.80K |
| 2016 | 8.65% | 19.10% | 0.05x | 10.03x | $-473.70K |
| 2017 | 9.24% | 20.31% | 0.04x | 10.19x | $-285.50K |
| 2018 | 10.21% | 22.93% | 0.05x | 9.86x | $83.90K |
| 2019 | 8.84% | 20.36% | 0.04x | 9.87x | $-530.70K |
| 2020 | 9.42% | 19.85% | 0.05x | 9.66x | $-296.00K |
| 2021 | 13.04% | 27.00% | 0.06x | 8.66x | $1.72 Million |
| 2022 | 11.51% | 23.49% | 0.05x | 10.16x | $831.30K |
| 2023 | 9.37% | 21.69% | 0.04x | 10.18x | $-382.00K |
Industry Comparison
This section compares SVB & T Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SVB & T Corp (SVBT) | $70.75 Million | 6.90% | 7.98x | $34.21 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |