Sfsb Inc
SFSB, Inc. operates as the bank holding company for Slavie Federal Savings Bank that provides banking products and services primarily in Maryland. Its deposit products include non-interest bearing demand deposits, NOW accounts, money market demand deposits, savings accounts, and certificates of deposit. The company also provides mortgage loans, construction loans, home equity loans, land loans, a… Read more
Sfsb Inc (SFBI) - Net Assets
Latest net assets as of March 2014: $115.06K USD
Based on the latest financial reports, Sfsb Inc (SFBI) has net assets worth $115.06K USD as of March 2014.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($140.06K) and total liabilities ($25.00K). 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 | $115.06K |
| % of Total Assets | 82.15% |
| Annual Growth Rate | -44.24% |
| 5-Year Change | -99.38% |
| 10-Year Change | N/A |
| Growth Volatility | 33.51 |
Sfsb Inc - Net Assets Trend (2004–2013)
This chart illustrates how Sfsb Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Sfsb Inc (2004–2013)
The table below shows the annual net assets of Sfsb Inc from 2004 to 2013.
| Year | Net Assets | Change |
|---|---|---|
| 2013-12-31 | $117.89K | -98.46% |
| 2012-12-31 | $7.67 Million | -54.11% |
| 2011-12-31 | $16.71 Million | -16.10% |
| 2010-12-31 | $19.91 Million | +4.05% |
| 2008-12-31 | $19.14 Million | -12.09% |
| 2007-12-31 | $21.77 Million | -2.66% |
| 2006-12-31 | $22.36 Million | -1.93% |
| 2005-12-31 | $22.80 Million | +0.82% |
| 2004-12-31 | $22.62 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Sfsb Inc'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 decreased by 100.1% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2013)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $27.00 | 0.66% |
| Other Comprehensive Income | $-641.00 | -15.78% |
| Other Components | $10.40K | 256.02% |
| Total Equity | $4.06K | 100.00% |
Sfsb Inc Competitors by Market Cap
The table below lists competitors of Sfsb Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Neurogenesis Inc
PINK:NEUN
|
$0.93 |
|
Dominion Resources Black Warrior Trust
PINK:DOMR
|
$0.93 |
|
Gritstone bio, Inc.
NASDAQ:GRTSQ
|
$0.93 |
|
Greenbelt Resources Corp
PINK:GRCO
|
$0.93 |
|
APT Moto Vox Group Inc
PINK:MTVX
|
$0.93 |
|
China BCT Pharmacy Group Inc
PINK:CNBI
|
$0.93 |
|
Kenergy Scientific Inc
PINK:MSGP
|
$0.93 |
|
International Silver Inc
PINK:ISLV
|
$0.93 |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Sfsb Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2012 to 2013, total equity changed from 7,667,000 to 4,061, a change of -7,662,939 (-99.9%).
- Net loss of 3,610 reduced equity.
- Other comprehensive income decreased equity by 641.
- Other factors decreased equity by 7,658,688.
Equity Change Factors (2012 to 2013)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-3.61K | -88.89% |
| Other Comprehensive Income | $-641.00 | -15.78% |
| Other Changes | $-7.66 Million | -188591.18% |
| Total Change | $- | -99.95% |
Book Value vs Market Value Analysis
This analysis compares Sfsb Inc'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: 0.07x
- 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 |
|---|---|---|---|
| 2004-12-31 | $7.60 | $0.00 | x |
| 2005-12-31 | $7.63 | $0.00 | x |
| 2006-12-31 | $7.94 | $0.00 | x |
| 2007-12-31 | $7.85 | $0.00 | x |
| 2008-12-31 | $7.12 | $0.00 | x |
| 2013-12-31 | $0.00 | $0.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Sfsb Inc 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): -88.89%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -88.05%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 35.19x
- Recent ROE (-88.89%) is below the historical average (-25.65%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 1.19% | 7.66% | 0.02x | 7.09x | $-1.99 Million |
| 2005 | 1.05% | 5.75% | 0.02x | 7.50x | $-2.04 Million |
| 2006 | 0.08% | 0.46% | 0.02x | 7.79x | $-2.22 Million |
| 2007 | 0.47% | 2.78% | 0.02x | 7.91x | $-2.07 Million |
| 2008 | -11.25% | -47.02% | 0.03x | 9.35x | $-4.07 Million |
| 2010 | 2.76% | 10.14% | 0.03x | 10.18x | $-1.44 Million |
| 2011 | -18.21% | -206.73% | 0.01x | 11.17x | $-4.71 Million |
| 2012 | -118.06% | 0.00% | -0.01x | 20.94x | $-9.82 Million |
| 2013 | -88.89% | -88.05% | 0.03x | 35.19x | $-4.02K |
Industry Comparison
This section compares Sfsb Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Sfsb Inc (SFBI) | $115.06K | 1.19% | 0.22x | $0.93 |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |