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Salisbury Bancorp, Inc. (SAL)
Key financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 33 | 34 | 34 | 43 | 48 | 51 | 42 |
| Operating profit | $m | 24 | 25 | |||||
| Net profit | $m | 6 | 9 | 11 | 12 | 16 | 16 | 15 |
| EPS reported | $ | 2.80 | 2.57 | |||||
| Operating cashflow per share | $ | 4.84 | 4.84 | |||||
| Capex per share | $ | 0.15 | 0.15 | |||||
| FCF per share | $ | 4.69 | 4.69 | |||||
| Free cash flow | $m | 27 | 28 | |||||
| Net debt | $m | -199 | -187 | |||||
| Book value equity | $m | 128 | 133 | |||||
| Book value per share | $ | 22.64 | 23.21 | |||||
| Number of shares | m | 5.67 | 5.73 | |||||
| DPS (TTM paid) | $ | 0.64 | 0.64 |
Financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 11.21 | - | |||||
| P/B LTM | x | 1.39 | 1.22 | |||||
| P/S LTM | x | 3.46 | 3.88 | |||||
| P/FCF LTM | x | 6.69 | 5.72 | |||||
| EV/EBITDA LTM | x | 0.00 | -4.10 | |||||
| EV/Sales LTM | x | 2.95 | -0.60 | |||||
| Earnings Yield LTM | % | 8.92% | 10.04% | |||||
| FCF Yield | % | 14.94% | 17.49% | |||||
| Quality | ||||||||
| ROE | % | 12.37% | 11.98% | |||||
| ROIC | % | 1.53% | 1.53% | |||||
| Operating margin | % | 43.26% | 43.26% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 47.19% | 47.19% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -2.10% | -1.91% | |||||
| Sales Growth YoY | % | +6.58% | -16.80% | |||||
| Net Income Growth YoY | % | -3.64% | -0.83% | |||||
| FCF Growth | % | +69.04% | +38.96% | |||||
| Operating Profit Growth | % | +17.57% | +31.44% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.07% | 2.30% | |||||
| Dividend Growth | % | +5.79% | - | |||||
| Payout Ratio | % | 23.25% | 25.23% | |||||
| FCF/Debt | x | 0.68 | 0.58 | |||||
| Net Debt/EBITDA | x | 0.00 | 0.00 | |||||
| EBIT/Net interest | x | 4.90 | 4.90 | |||||
| Net debt/market cap | % | -111.79% | -115.42% | |||||
| Net debt/Equity | x | -1.55 | -1.40 | |||||
| Gross debt/equity | x | 0.30 | 0.37 | |||||
Company overview
Salisbury Bancorp, Inc. serves as the parent company for Salisbury Bank and Trust Company, providing a full spectrum of financial services. These offerings include commercial and retail banking, consumer credit, and specialized trust and wealth advisory services. The bank supplies a wide array of deposit products designed for both individual and corporate clients. Its lending activities cover diverse categories such as residential and commercial property mortgages, construction financing, working capital and equipment loans for businesses, and various consumer loans like home equity lines and loans, collateralized loans, and personal installment and automobile loans. Additionally, Salisbury Bank offers numerous fiduciary services, encompassing trust and estate administration, expert wealth management, and investment advisory for individuals, families, businesses, and institutional clients. Beyond core banking, the company extends supplementary services to depositors, including landlord/tenant lease security accounts, merchant and payroll processing, ATM access, phone banking, extensive online banking (featuring bill payment, person-to-person payments, and bank-to-bank transfers), mobile banking with remote deposit functionality, and online financial management tools with account aggregation. For corporate clients, sophisticated cash management solutions are available, such as remote deposit capture, ACH origination, wire transfers, and positive pay systems. The institution conducts its operations through 14 banking locations and 10 ATMs, situated across Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts. Founded in 1848, the company's headquarters are located in Lakeville, Connecticut.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Salisbury Bancorp, Inc. (SAL)
Salisbury Bancorp, Inc. serves as the parent company for Salisbury Bank and Trust Company, providing a full spectrum of financial services. These offerings include commercial and retail banking, consumer credit, and specialized trust and wealth advisory services. The bank supplies a wide array of deposit products designed for both individual and corporate clients. Its lending activities cover diverse categories such as residential and commercial property mortgages, construction financing, working capital and equipment loans for businesses, and various consumer loans like home equity lines and loans, collateralized loans, and personal installment and automobile loans. Additionally, Salisbury Bank offers numerous fiduciary services, encompassing trust and estate administration, expert wealth management, and investment advisory for individuals, families, businesses, and institutional clients. Beyond core banking, the company extends supplementary services to depositors, including landlord/tenant lease security accounts, merchant and payroll processing, ATM access, phone banking, extensive online banking (featuring bill payment, person-to-person payments, and bank-to-bank transfers), mobile banking with remote deposit functionality, and online financial management tools with account aggregation. For corporate clients, sophisticated cash management solutions are available, such as remote deposit capture, ACH origination, wire transfers, and positive pay systems. The institution conducts its operations through 14 banking locations and 10 ATMs, situated across Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts. Founded in 1848, the company's headquarters are located in Lakeville, Connecticut.
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