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Savi Financial Corporation, Inc. (SVVB)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | ||
|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 13 | 15 | 22 | 25 | 23 | 9 |
| Operating profit | $m | -0 | |||||
| Net profit | $m | 1 | 1 | 4 | 4 | 0 | -1 |
| EPS reported | $ | -0.34 | |||||
| Operating cashflow per share | $ | -0.52 | |||||
| Capex per share | $ | 0.14 | |||||
| FCF per share | $ | -0.66 | |||||
| Free cash flow | $m | -2 | |||||
| Net debt | $m | 20 | |||||
| Book value equity | $m | 36 | |||||
| Book value per share | $ | 10.42 | |||||
| Number of shares | m | 3.48 | |||||
| DPS (TTM paid) | $ | 0.00 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | ||
|---|---|---|---|---|---|---|---|
| Value | |||||||
| P/E TTM | x | - | |||||
| P/B LTM | x | 1.45 | |||||
| P/S LTM | x | 5.79 | |||||
| P/FCF LTM | x | -22.71 | |||||
| EV/EBITDA LTM | x | 71.60 | |||||
| EV/Sales LTM | x | 3.15 | |||||
| Earnings Yield LTM | % | -2.28% | |||||
| FCF Yield | % | -4.40% | |||||
| Quality | |||||||
| ROE | % | -3.31% | |||||
| ROIC | % | -0.08% | |||||
| Operating margin | % | -0.47% | |||||
| Gross margin | % | 100.00% | |||||
| FCF/Sales | % | -9.99% | |||||
| Growth and momentum | |||||||
| EPS Growth YoY | % | - | |||||
| Sales Growth YoY | % | -61.05% | |||||
| Net Income Growth YoY | % | - | |||||
| FCF Growth | % | - | |||||
| Operating Profit Growth | % | - | |||||
| Dividend and capital structure | |||||||
| Dividend Yield | % | 0.00% | |||||
| Dividend Growth | % | 0.00% | |||||
| Payout Ratio | % | 0.00% | |||||
| FCF/Debt | x | -0.03 | |||||
| Net Debt/EBITDA | x | 20.03 | |||||
| EBIT/Net interest | x | -0.01 | |||||
| Net debt/market cap | % | 38.85% | |||||
| Net debt/Equity | x | 0.56 | |||||
| Gross debt/equity | x | 1.91 | |||||
Company overview
Savi Financial Corporation, Inc. serves as the financial holding company for SaviBank, providing a comprehensive array of commercial banking products and services. Its clientele includes individuals, small enterprises, and mid-sized firms primarily located within the Skagit, Island, and Whatcom counties of the United States. The institution offers standard deposit accounts, such as checking, savings, and money market accounts, along with certificates of deposit and individual retirement accounts. For its business customers, the corporation extends various financing options, including commercial real estate loans, term loans, government-guaranteed small business lending, SBA disaster relief loans, and commercial lines of credit. Personal banking customers can access residential mortgages, vehicle loans (covering cars, boats, and other recreational vehicles), and both fixed-rate and revolving home equity loans. Additionally, Savi Financial provides a suite of other services, such as remote deposit capture, merchant card services, and robust cash management solutions like ACH transactions, account transfers, bill payment, and online wire transfers. The company also issues credit and debit cards and offers digital banking capabilities. Operations are conducted through nine branch locations situated in Anacortes, Burlington, Bellingham, Concrete, Mt. Vernon, Oak Harbor, Sedro-Woolley, and Freeland, Washington. Savi Financial Corporation, Inc. was established in 2005 and is headquartered in Burlington, Washington.
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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.
Savi Financial Corporation, Inc. (SVVB)
Savi Financial Corporation, Inc. serves as the financial holding company for SaviBank, providing a comprehensive array of commercial banking products and services. Its clientele includes individuals, small enterprises, and mid-sized firms primarily located within the Skagit, Island, and Whatcom counties of the United States. The institution offers standard deposit accounts, such as checking, savings, and money market accounts, along with certificates of deposit and individual retirement accounts. For its business customers, the corporation extends various financing options, including commercial real estate loans, term loans, government-guaranteed small business lending, SBA disaster relief loans, and commercial lines of credit. Personal banking customers can access residential mortgages, vehicle loans (covering cars, boats, and other recreational vehicles), and both fixed-rate and revolving home equity loans. Additionally, Savi Financial provides a suite of other services, such as remote deposit capture, merchant card services, and robust cash management solutions like ACH transactions, account transfers, bill payment, and online wire transfers. The company also issues credit and debit cards and offers digital banking capabilities. Operations are conducted through nine branch locations situated in Anacortes, Burlington, Bellingham, Concrete, Mt. Vernon, Oak Harbor, Sedro-Woolley, and Freeland, Washington. Savi Financial Corporation, Inc. was established in 2005 and is headquartered in Burlington, Washington.
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