Susquehanna Community Financial Inc
Susquehanna Community Financial, Inc. operates as a financial holding company that provides various financial services to individuals and corporate customers. It accepts various deposit products, including checking and savings accounts, certificates of deposit, and individual retirement accounts, as well as money market accounts. The company also offers residential mortgage loans, home equity loa… Read more
Susquehanna Community Financial Inc (SQCF) - Net Assets
Latest net assets as of March 2025: $35.08 Million USD
Based on the latest financial reports, Susquehanna Community Financial Inc (SQCF) has net assets worth $35.08 Million USD as of March 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($598.40 Million) and total liabilities ($563.33 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 | $35.08 Million |
| % of Total Assets | 5.86% |
| Annual Growth Rate | 4.2% |
| 5-Year Change | -38.62% |
| 10-Year Change | -15.5% |
| Growth Volatility | 23.34 |
Susquehanna Community Financial Inc - Net Assets Trend (2000–2024)
This chart illustrates how Susquehanna Community Financial 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 Susquehanna Community Financial Inc (2000–2024)
The table below shows the annual net assets of Susquehanna Community Financial Inc from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $33.38 Million | -5.83% |
| 2023-12-31 | $35.44 Million | +10.27% |
| 2022-12-31 | $32.14 Million | -40.99% |
| 2021-12-31 | $54.47 Million | +0.16% |
| 2020-12-31 | $54.38 Million | +9.36% |
| 2019-12-31 | $49.72 Million | +17.38% |
| 2018-12-31 | $42.36 Million | -0.74% |
| 2017-12-31 | $42.68 Million | +7.84% |
| 2016-12-31 | $39.58 Million | +0.21% |
| 2015-12-31 | $39.49 Million | +0.31% |
| 2014-12-31 | $39.37 Million | +18.40% |
| 2013-12-31 | $33.26 Million | +86.94% |
| 2007-12-31 | $17.79 Million | +4.65% |
| 2006-12-31 | $17.00 Million | +6.09% |
| 2005-12-31 | $16.02 Million | -14.16% |
| 2004-12-31 | $18.67 Million | +3.90% |
| 2003-12-31 | $17.97 Million | +4.97% |
| 2002-12-31 | $17.12 Million | +31.06% |
| 2001-12-31 | $13.06 Million | +5.01% |
| 2000-12-31 | $12.44 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Susquehanna Community Financial 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 grown by 543.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $55.23 Million | 165.50% |
| Common Stock | $3.38 Million | 10.11% |
| Other Comprehensive Income | $-18.81 Million | -56.35% |
| Total Equity | $33.38 Million | 100.00% |
Susquehanna Community Financial Inc Competitors by Market Cap
The table below lists competitors of Susquehanna Community Financial Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Forafric Global PLC Ordinary Shares
NASDAQ:AFRI
|
$31.34 Million |
|
Beijing Gas Blue Sky Holdings Limited
PINK:BJGBF
|
$31.34 Million |
|
Heeros Oyj
HE:HEEROS
|
$31.36 Million |
|
Yieh Hsing Enterprise Co Ltd
TW:2007
|
$31.36 Million |
|
Conrad Asia Energy Ltd
AU:CRD
|
$31.33 Million |
|
Electrotherm (India) Limited
NSE:ELECTHERM
|
$31.33 Million |
|
American Eagle Gold Corp
PINK:AMEGF
|
$31.32 Million |
|
Noul Co. Ltd.
KQ:376930
|
$31.32 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Susquehanna Community Financial Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 35,442,000 to 33,375,000, a change of -2,067,000 (-5.8%).
- Net income of 2,349,000 contributed positively to equity growth.
- Dividend payments of 2,727,000 reduced retained earnings.
- Other comprehensive income decreased equity by 1,689,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $2.35 Million | +7.04% |
| Dividends Paid | $2.73 Million | -8.17% |
| Other Comprehensive Income | $-1.69 Million | -5.06% |
| Total Change | $- | -5.83% |
Book Value vs Market Value Analysis
This analysis compares Susquehanna Community Financial 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: 1.00x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.20x to 1.00x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $5.34 | $11.75 | x |
| 2003-12-31 | $5.61 | $11.75 | x |
| 2004-12-31 | $5.83 | $11.75 | x |
| 2005-12-31 | $5.00 | $11.75 | x |
| 2006-12-31 | $5.31 | $11.75 | x |
| 2007-12-31 | $5.55 | $11.75 | x |
| 2013-12-31 | $10.97 | $11.75 | x |
| 2014-12-31 | $13.04 | $11.75 | x |
| 2015-12-31 | $13.14 | $11.75 | x |
| 2016-12-31 | $13.37 | $11.75 | x |
| 2017-12-31 | $14.46 | $11.75 | x |
| 2018-12-31 | $14.35 | $11.75 | x |
| 2019-12-31 | $16.90 | $11.75 | x |
| 2020-12-31 | $18.72 | $11.75 | x |
| 2021-12-31 | $18.96 | $11.75 | x |
| 2022-12-31 | $11.31 | $11.75 | x |
| 2023-12-31 | $12.47 | $11.75 | x |
| 2024-12-31 | $11.75 | $11.75 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Susquehanna Community Financial 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): 7.04%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.00%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 17.61x
- Recent ROE (7.04%) is below the historical average (11.87%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 8.23% | 9.29% | 0.07x | 12.03x | $-219.70K |
| 2001 | 14.20% | 16.09% | 0.07x | 12.97x | $548.00K |
| 2002 | 11.99% | 32.14% | 0.03x | 12.09x | $341.40K |
| 2003 | 13.04% | 32.87% | 0.03x | 12.99x | $545.40K |
| 2004 | 13.92% | 33.84% | 0.03x | 12.18x | $732.30K |
| 2005 | 15.52% | 32.66% | 0.03x | 14.46x | $883.70K |
| 2006 | 14.03% | 31.06% | 0.03x | 14.56x | $685.10K |
| 2007 | 13.37% | 30.37% | 0.03x | 14.79x | $599.10K |
| 2013 | 14.20% | 37.14% | 0.04x | 10.29x | $1.40 Million |
| 2014 | 12.24% | 35.89% | 0.04x | 9.06x | $882.60K |
| 2015 | 11.17% | 28.28% | 0.04x | 9.36x | $462.50K |
| 2016 | 11.32% | 25.42% | 0.04x | 9.98x | $523.40K |
| 2017 | 11.85% | 26.99% | 0.05x | 9.70x | $788.20K |
| 2018 | 12.09% | 26.11% | 0.05x | 10.00x | $886.80K |
| 2019 | 10.19% | 23.57% | 0.05x | 9.20x | $92.70K |
| 2020 | 9.87% | 25.10% | 0.04x | 9.24x | $-68.70K |
| 2021 | 10.34% | 26.40% | 0.04x | 10.28x | $182.50K |
| 2022 | 16.52% | 22.79% | 0.04x | 17.32x | $2.10 Million |
| 2023 | 6.25% | 13.38% | 0.03x | 16.55x | $-1.33 Million |
| 2024 | 7.04% | 14.00% | 0.03x | 17.61x | $-988.50K |
Industry Comparison
This section compares Susquehanna Community Financial Inc'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 |
|---|---|---|---|---|
| Susquehanna Community Financial Inc (SQCF) | $35.08 Million | 8.23% | 16.06x | $31.34 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 |