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Select Bancorp, Inc. (SLCT)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 30 | 30 | 32 | 43 | 41 | 48 | 59 |
| Operating profit | $m | 21 | 33 | |||||
| Net profit | $m | 7 | 7 | 3 | 14 | 13 | 8 | 18 |
| EPS reported | $ | 0.47 | 1.04 | |||||
| Operating cashflow per share | $ | 0.49 | 0.49 | |||||
| Capex per share | $ | 0.08 | 0.08 | |||||
| FCF per share | $ | 0.41 | 0.41 | |||||
| Free cash flow | $m | 7 | 17 | |||||
| Net debt | $m | -284 | -410 | |||||
| Book value equity | $m | 215 | 221 | |||||
| Book value per share | $ | 12.37 | 12.82 | |||||
| Number of shares | m | 17.42 | 17.28 | |||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 20.15 | - | |||||
| P/B LTM | x | 0.77 | 1.47 | |||||
| P/S LTM | x | 3.45 | 5.55 | |||||
| P/FCF LTM | x | 23.11 | 19.29 | |||||
| EV/EBITDA LTM | x | 3.08 | -2.35 | |||||
| EV/Sales LTM | x | 1.29 | -1.43 | |||||
| Earnings Yield LTM | % | 4.96% | 2.48% | |||||
| FCF Yield | % | 4.33% | 5.19% | |||||
| Quality | ||||||||
| ROE | % | 3.79% | 3.81% | |||||
| ROIC | % | 24.63% | 24.63% | |||||
| Operating margin | % | 36.09% | 36.09% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 12.18% | 12.18% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -30.88% | +142.88% | |||||
| Sales Growth YoY | % | +17.32% | +42.17% | |||||
| Net Income Growth YoY | % | -37.38% | +127.27% | |||||
| FCF Growth | % | -40.42% | +60.54% | |||||
| Operating Profit Growth | % | -25.28% | +51.13% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | 0.33 | 0.81 | |||||
| Net Debt/EBITDA | x | -3.64 | -3.64 | |||||
| EBIT/Net interest | x | 1.96 | 1.96 | |||||
| Net debt/market cap | % | -172.13% | -125.82% | |||||
| Net debt/Equity | x | -1.32 | -1.85 | |||||
| Gross debt/equity | x | 0.10 | 0.09 | |||||
Company overview
Select Bancorp, Inc., a bank holding company headquartered in Dunn, North Carolina, operates with a team of 205 full-time employees. Its primary subsidiary functions as a commercial bank, delivering both retail and commercial financial solutions to clients across its operational regions. The bank's lending portfolio is extensive, encompassing commercial, consumer, mortgage, and personal loans, with a particular emphasis on serving individual consumers and small to medium-sized businesses within central and eastern North Carolina. Furthermore, it actively originates acquisition, development, and construction (ADC) loans for both residential and commercial real estate projects. Complementing its loan products, the institution manages a variety of deposit accounts, including savings, negotiable order of withdrawal (NOW), money market, time deposits, and non-interest-bearing options.
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Select Bancorp, Inc. (SLCT)
Select Bancorp, Inc., a bank holding company headquartered in Dunn, North Carolina, operates with a team of 205 full-time employees. Its primary subsidiary functions as a commercial bank, delivering both retail and commercial financial solutions to clients across its operational regions. The bank's lending portfolio is extensive, encompassing commercial, consumer, mortgage, and personal loans, with a particular emphasis on serving individual consumers and small to medium-sized businesses within central and eastern North Carolina. Furthermore, it actively originates acquisition, development, and construction (ADC) loans for both residential and commercial real estate projects. Complementing its loan products, the institution manages a variety of deposit accounts, including savings, negotiable order of withdrawal (NOW), money market, time deposits, and non-interest-bearing options.
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