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Summit Financial Group, Inc. (SMMF)
Key financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 60 | 64 | 94 | 115 | 114 | 251 | 181 |
| Operating profit | $m | -4 | 79 | |||||
| Net profit | $m | 28 | 32 | 31 | 46 | 53 | 55 | 58 |
| EPS reported | $ | 3.81 | 3.90 | |||||
| Operating cashflow per share | $ | 5.18 | 5.18 | |||||
| Capex per share | $ | 0.50 | 0.50 | |||||
| FCF per share | $ | 4.68 | 4.68 | |||||
| Free cash flow | $m | 67 | 69 | |||||
| Net debt | $m | 458 | 363 | |||||
| Book value equity | $m | 440 | 454 | |||||
| Book value per share | $ | 30.89 | 30.80 | |||||
| Number of shares | m | 14.25 | 14.75 | |||||
| DPS (TTM paid) | $ | 0.84 | 0.86 |
Financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 8.06 | - | |||||
| P/B LTM | x | 0.99 | 0.83 | |||||
| P/S LTM | x | 1.74 | 2.09 | |||||
| P/FCF LTM | x | 6.55 | 5.44 | |||||
| EV/EBITDA LTM | x | 4.83 | 4.67 | |||||
| EV/Sales LTM | x | 3.11 | 4.09 | |||||
| Earnings Yield LTM | % | 12.41% | 15.13% | |||||
| FCF Yield | % | 15.26% | 18.40% | |||||
| Quality | ||||||||
| ROE | % | 12.55% | 13.90% | |||||
| ROIC | % | -0.21% | -0.21% | |||||
| Operating margin | % | -1.46% | -1.46% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 25.26% | 25.26% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -6.62% | -9.09% | |||||
| Sales Growth YoY | % | +118.91% | +70.57% | |||||
| Net Income Growth YoY | % | +3.80% | +5.46% | |||||
| FCF Growth | % | -0.10% | +2.30% | |||||
| Operating Profit Growth | % | - | -30.43% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.95% | 3.35% | |||||
| Dividend Growth | % | +10.53% | - | |||||
| Payout Ratio | % | 23.26% | 23.55% | |||||
| FCF/Debt | x | 0.15 | 0.18 | |||||
| Net Debt/EBITDA | x | 2.26 | 2.26 | |||||
| EBIT/Net interest | x | -0.30 | -0.30 | |||||
| Net debt/market cap | % | 104.98% | 96.11% | |||||
| Net debt/Equity | x | 1.04 | 0.80 | |||||
| Gross debt/equity | x | 0.99 | 0.85 | |||||
Company overview
Summit Financial Group, Inc. operates as a financial holding company, primarily conducting business through its subsidiary, Summit Community Bank, Inc. This entity offers a broad spectrum of community banking and financial solutions to both individual clients and businesses. Its key operational territories span the Eastern Panhandle, Southern, and North Central regions of West Virginia, alongside the Northern, Shenandoah Valley, and Southwestern parts of Virginia, and the Central area of Kentucky. The company's comprehensive suite of services encompasses various deposit products, including demand, savings, and time accounts. It also provides diverse lending options, such as commercial, commercial real estate, construction and land development, residential real estate, and consumer loans, in addition to mortgage warehouse lines of credit. Furthermore, the group delivers specialized offerings like trust and wealth management, cash management, and insurance services. As of December 31, 2021, the company maintained a network of 45 banking branches. Established in 1987, Summit Financial Group, Inc. is headquartered in Moorefield, West Virginia.
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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.
Summit Financial Group, Inc. (SMMF)
Summit Financial Group, Inc. operates as a financial holding company, primarily conducting business through its subsidiary, Summit Community Bank, Inc. This entity offers a broad spectrum of community banking and financial solutions to both individual clients and businesses. Its key operational territories span the Eastern Panhandle, Southern, and North Central regions of West Virginia, alongside the Northern, Shenandoah Valley, and Southwestern parts of Virginia, and the Central area of Kentucky. The company's comprehensive suite of services encompasses various deposit products, including demand, savings, and time accounts. It also provides diverse lending options, such as commercial, commercial real estate, construction and land development, residential real estate, and consumer loans, in addition to mortgage warehouse lines of credit. Furthermore, the group delivers specialized offerings like trust and wealth management, cash management, and insurance services. As of December 31, 2021, the company maintained a network of 45 banking branches. Established in 1987, Summit Financial Group, Inc. is headquartered in Moorefield, West Virginia.
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