Access the world's leading financial data and tools

Subscribe for $2
Overview
Profile

Severn Bancorp stock

SVBI
US81811M1009
663246

Price

13.63
Today +/-
+0
Today %
+0 %
P

Severn Bancorp stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Severn Bancorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Severn Bancorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Severn Bancorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Severn Bancorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Severn Bancorp Stock Price History

DateSevern Bancorp Price
11/5/202113.63 undefined
11/4/202113.63 undefined

Severn Bancorp Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Severn Bancorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Severn Bancorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Severn Bancorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Severn Bancorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Severn Bancorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Severn Bancorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Severn Bancorp’s growth potential.

Severn Bancorp Revenue, EBIT and net profit per share

DateSevern Bancorp RevenueSevern Bancorp EBITSevern Bancorp Net Income
202049.72 M undefined0 undefined6.71 M undefined
201950.07 M undefined0 undefined8.28 M undefined
201846.09 M undefined0 undefined8.57 M undefined
201737.46 M undefined0 undefined2.82 M undefined
201637.82 M undefined0 undefined15.54 M undefined
201537.26 M undefined0 undefined4.54 M undefined
201436.15 M undefined0 undefined2.91 M undefined
201339.32 M undefined0 undefined-25.17 M undefined
201243.18 M undefined0 undefined3.73 M undefined
201147.01 M undefined0 undefined1.55 M undefined
201052.28 M undefined0 undefined1.36 M undefined
200955.16 M undefined0 undefined-15.23 M undefined
200865.26 M undefined0 undefined4.11 M undefined
200776.15 M undefined0 undefined11.11 M undefined
200674.05 M undefined0 undefined15.75 M undefined
200559.89 M undefined0 undefined14.55 M undefined
200448.23 M undefined0 undefined12.93 M undefined
200341.76 M undefined0 undefined11.33 M undefined
200237.53 M undefined0 undefined8.95 M undefined
200132.21 M undefined0 undefined5.26 M undefined

Severn Bancorp Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)NET INCOME (M)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
1999200020012002200320042005200620072008200920102011201220132014201520162017201820192020
21253237414859747665555247433936373737465049
-19.0528.0015.6310.8117.0722.9225.422.70-14.47-15.38-5.45-9.62-8.51-9.30-7.692.78--24.328.70-2.00
----------------------
0000000000000000000000
335811121415114-15113-2524152886
--66.6760.0037.509.0916.677.14-26.67-63.64-475.00-106.67-200.00-933.33-108.00100.00275.00-86.67300.00--25.00
8.358.068.919.039.159.1510.0710.0710.0710.0710.0710.0710.0710.0710.0710.110.1111.5712.2812.712.8612.83
----------------------
Details

Keystats

ⓘ

Revenue and Growth

The Severn Bancorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Severn Bancorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (k)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (k)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
200020012002200320042005200620072008200920102011201220132014201520162017201820192020
                                         
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
1.24.64.75.372030.431.330.329.128.327.226.425.825.224.32423.122.724.723.3
000000000000000000000
000000000000000000000
000000000000000000000
00.30.30.300000000000001.11.11.11.1
10.81.11.300000000000010.15.32.40.91.1
2.25.76.16.972030.431.330.329.128.327.226.425.825.224.334.129.526.226.725.5
2.25.76.16.972030.431.330.329.128.327.226.425.825.224.334.129.526.226.725.5
                                         
20020000100100100100100100100100100100100100100100100100100
9.414.611.411.511.511.528.346.873.573.974.474.77575.475.876.36465.165.565.966.3
15.72027.737.448.661.158.148.45032.231.631.733.97.37.91023.825.932.938.643.2
-10000000000000000000-1000100
000000000000000000000
25.234.839.148.960.272.786.595.3123.6106.2106.1106.510982.883.886.487.991.198.4104.6109.7
00000003.63000000000000
0.81.21.81.92.43.65.3002.12.52.84.66.59.612.73.52.32.24.85.8
100200500000000000000000000
000000000000000000000
000000000000000000000
0.91.42.31.92.43.65.33.632.12.52.84.66.59.612.73.52.32.24.85.8
00059109.6152.6175.6195.6177.1149.1139.1139.1139.124.124.1139.1124.124.124.120.620.6
000000000000000000000
000000000000000000000
00059109.6152.6175.6195.6177.1149.1139.1139.1139.124.124.1139.1124.124.124.120.620.6
0.91.42.360.9112156.2180.9199.2180.1151.2141.6141.9143.730.633.7151.8127.626.426.325.426.4
26.136.241.4109.8172.2228.9267.4294.5303.7257.4247.7248.4252.7113.4117.5238.2215.5117.5124.7130136.1
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Severn Bancorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Severn Bancorp's financial health and stability.

Assets

Severn Bancorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Severn Bancorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Severn Bancorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Severn Bancorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (k)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
1999200020012002200320042005200620072008200920102011201220132014201520162017201820192020
335811121415114-15113-2524152886
000000001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,000
00000000-1-1-9212800-104200
3-1-1-1014-4422717106-324-2-313-5-1-25
00-1-2-2-3-3-4-3-112224000-1-1-1-2
000000000000012870117896
123578911942000100100-12
731-32351514109-317135131171056-19
00-200-2-13-10-40000000000000
-27-60-63-66-104-146-138-65-58-10268665319-38293-70051-30
-27-59-61-66-104-144-125-54-54-9269665420-38294-70052-29
0000000000000000000000
0108-83144691517-33-28-1000000-38-15-15-380
003000-400260000000100000
1055668271150130444021-3-7-63-53-28-27-191214161-158118
104655914110767312630264-62-53-28-27-204830177-118120
0000-1-1-2-2-2-2-2-1-10000-70-1-1-2
-10-1512-1096-6-72119191664-651023-45166-10068
0000000000000000000000
0000000000000000000000

Severn Bancorp stock margins

The Severn Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Severn Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Severn Bancorp.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Severn Bancorp's sales revenue. A higher gross margin percentage indicates that the Severn Bancorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Severn Bancorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Severn Bancorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Severn Bancorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Severn Bancorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Severn Bancorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Severn Bancorp Margin History

Severn Bancorp Gross marginSevern Bancorp Profit marginSevern Bancorp EBIT marginSevern Bancorp Profit margin
20200 %0 %13.5 %
20190 %0 %16.54 %
20180 %0 %18.59 %
20170 %0 %7.53 %
20160 %0 %41.09 %
20150 %0 %12.18 %
20140 %0 %8.05 %
20130 %0 %-64.01 %
20120 %0 %8.64 %
20110 %0 %3.3 %
20100 %0 %2.6 %
20090 %0 %-27.61 %
20080 %0 %6.3 %
20070 %0 %14.59 %
20060 %0 %21.27 %
20050 %0 %24.29 %
20040 %0 %26.81 %
20030 %0 %27.13 %
20020 %0 %23.85 %
20010 %0 %16.33 %

Severn Bancorp Stock Sales Revenue, EBIT, Earnings per Share

The Severn Bancorp earnings per share therefore indicates how much revenue Severn Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Severn Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Severn Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Severn Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Severn Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Severn Bancorp Revenue, EBIT and net profit per share

DateSevern Bancorp Sales per ShareSevern Bancorp EBIT per shareSevern Bancorp Earnings per Share
20203.88 undefined0 undefined0.52 undefined
20193.89 undefined0 undefined0.64 undefined
20183.63 undefined0 undefined0.67 undefined
20173.05 undefined0 undefined0.23 undefined
20163.27 undefined0 undefined1.34 undefined
20153.69 undefined0 undefined0.45 undefined
20143.58 undefined0 undefined0.29 undefined
20133.9 undefined0 undefined-2.5 undefined
20124.29 undefined0 undefined0.37 undefined
20114.67 undefined0 undefined0.15 undefined
20105.19 undefined0 undefined0.14 undefined
20095.48 undefined0 undefined-1.51 undefined
20086.48 undefined0 undefined0.41 undefined
20077.56 undefined0 undefined1.1 undefined
20067.35 undefined0 undefined1.56 undefined
20055.95 undefined0 undefined1.44 undefined
20045.27 undefined0 undefined1.41 undefined
20034.56 undefined0 undefined1.24 undefined
20024.16 undefined0 undefined0.99 undefined
20013.62 undefined0 undefined0.59 undefined

Severn Bancorp business model

Severn Bancorp Inc. is a US holding company based in Annapolis, Maryland. The company was founded in 1946 and offers banking and financial services. Here is an overview of the history, business model, various divisions, and products offered. History: The roots of Severn Bancorp can be traced back to the Bank of Glen Burnie, which was founded in Glen Burnie, Maryland in 1947. Over the years, the company has evolved into a leading regional bank through the acquisition of other banks and financial institutions. In 2005, the bank was renamed Severn Savings Bank, and in 2012, the company went public. Business Model: Severn Bancorp primarily operates through its subsidiary, Severn Savings Bank. The bank offers a wide range of banking services and financial products, including mortgages, loans, deposit products, online banking, and mobile payments. Its main target audience includes retail customers and small to medium-sized businesses in the Washington D.C., Maryland, and Virginia region. Divisions: Severn Bancorp operates in three business segments: 1. Banking: This is the core area of the company and includes all services typically provided by a bank. This includes deposits, loans, mortgages, online and mobile banking services, and other financial services. 2. Wealth Management: The Wealth Management division provides specialized services to affluent individuals and corporate clients, including asset management, trust and estate planning, and financial and investment strategy advice. 3. Real Estate: Severn Bancorp is also involved in the real estate business and offers specialized financial products for property purchase and renovation. Products: Severn Bancorp offers a wide range of products and services, including: 1. Deposit products: These include savings accounts, checking accounts, money market accounts, and certificates with varying terms and interest rates. 2. Loan products: The company offers various types of loans, including mortgages, personal loans, auto loans, small business loans, and commercial real estate loans. 3. Online and mobile banking: Severn Bancorp provides its customers with a fully digital banking experience, including online banking, mobile banking apps, and mobile deposits. 4. Wealth Management: Wealth management services such as trust and estate planning, asset management, and investment advisory are available to affluent individuals and businesses. 5. Real Estate: Severn Bancorp offers specialized financial products for property purchase and renovation. Conclusion: Overall, Severn Bancorp is a solid financial institution with a wide range of banking services and financial products. The company has a strong presence in the Washington D.C., Maryland, and Virginia region, serving both retail customers and small to medium-sized businesses. With its Wealth Management division and involvement in the real estate business, the company has expanded its product mix to further diversify its business operations. Severn Bancorp is one of the most popular companies on Eulerpool.com.

Severn Bancorp SWOT Analysis

Strengths

Severn Bancorp Inc possesses several strengths which contribute to its success in the market. Firstly, the company has a strong and stable financial position, supported by a robust capital structure and a solid asset base. This allows Severn Bancorp Inc to maintain a competitive edge and withstand any financial challenges. Secondly, the company has developed a strong brand reputation over the years, earning the trust and loyalty of its customers. This positive brand image enhances customer perception and attracts new prospects to the company. Additionally, Severn Bancorp Inc benefits from a well-established network of branches, ensuring convenient accessibility for customers and enabling the company to effectively serve its target market. Lastly, the company's experienced and knowledgeable management team plays a crucial role in driving strategic decisions and executing effective business strategies. This leadership provides stability and guidance, further enhancing Severn Bancorp Inc's position in the market.

Weaknesses

Despite its strengths, Severn Bancorp Inc also faces certain weaknesses that need to be addressed. One key weakness is its limited geographic presence. The company operates mainly in a specific region, which restricts its market reach and potential for expansion compared to competitors with a wider national or global presence. Additionally, Severn Bancorp Inc may face challenges related to increasing competition from larger and more established financial institutions, potentially impacting its market share and profitability. It needs to continuously adapt and innovate to stay ahead in the changing financial landscape. Furthermore, the company's dependence on interest income exposes it to risks associated with interest rate fluctuations. Sudden shifts in interest rates can affect profitability and financial performance. Lastly, Severn Bancorp Inc might face some internal operational inefficiencies, hindering its ability to fully optimize resources and deliver services in the most cost-effective manner. Addressing and minimizing these weaknesses is important for future growth and sustainability.

Opportunities

Severn Bancorp Inc can leverage various opportunities to further enhance its position in the market. Firstly, it can explore expansion opportunities by diversifying its geographic footprint and entering new markets. This would allow the company to tap into new customer segments and increase its overall market share. Additionally, Severn Bancorp Inc can capitalize on the growing trend of digital banking and technological advancements. By investing in digital platforms and enhancing its online banking services, the company can attract tech-savvy customers and provide a seamless banking experience. Furthermore, partnerships and collaborations with fintech companies can enable Severn Bancorp Inc to leverage innovative technologies and stay ahead of the competition. This can lead to the development of new products and services, enhancing customer satisfaction and loyalty. Lastly, as the economy recovers and consumer confidence improves, Severn Bancorp Inc can benefit from increased lending opportunities. By carefully managing its lending portfolio and offering competitive loan products, the company can expand its loan book and generate higher interest income.

Threats

Severn Bancorp Inc should be mindful of potential threats that could impact its business operations. One significant threat is the regulatory environment. The company operates in a highly regulated industry and is subject to changing regulations, which could increase compliance costs and affect its ability to offer certain financial products and services. Moreover, economic downturns and recessions pose a threat to Severn Bancorp Inc's profitability. Reduced consumer spending, lower loan demand, and higher default rates can negatively impact the company's financial performance and asset quality. Additionally, cybersecurity risks and data breaches are a growing concern for financial institutions. Severn Bancorp Inc needs to invest in robust cybersecurity measures to protect its customers' data and maintain their trust. Lastly, competitive pressures from both traditional banks and non-bank financial institutions pose a threat to Severn Bancorp Inc. To remain competitive, the company must continuously innovate and differentiate itself in terms of products, services, and customer experience.

LIMITED TIME OFFER

The World’s Best Investors Are On Eulerpool

Subscribe for $2

Severn Bancorp Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Severn Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

LIMITED TIME OFFER

The World’s Best Investors Are On Eulerpool

Subscribe for $2

Severn Bancorp shares outstanding

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Severn Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Severn Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Severn Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Severn Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Severn Bancorp stock splits

In Severn Bancorp's history, there have been no stock splits.

Severn Bancorp dividend payout ratio

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Severn Bancorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Severn Bancorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Severn Bancorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Severn Bancorp Payout Ratio History

DateSevern Bancorp Payout ratio
202030.59 %
201921.74 %
201817.78 %
201723.37 %
201623.37 %
201523.37 %
201423.37 %
201323.37 %
201223.37 %
201123.37 %
201023.37 %
2009-5.95 %
200858.8 %
200721.75 %
200613.6 %
200513.73 %
200412.28 %
200311.35 %
20025 %
200123.37 %
LIMITED TIME OFFER

The World’s Best Investors Are On Eulerpool

Subscribe for $2
Unfortunately, there are currently no price targets and forecasts available for Severn Bancorp.

Severn Bancorp shareholders

%
Name
Stocks
Change
Date
10.78117 % Hyatt (Sharon G)1,384,302012/31/2020
9.46428 % Fourthstone LLC1,215,21462,7196/30/2021
8.39489 % Jo Ann Hyatt (Modlin)1,077,904987,19012/31/2020
3.86797 % The Vanguard Group, Inc.496,647-2,0616/30/2021
2.72660 % Chicago Capital Management, LLC350,0958,3696/30/2021
2.64109 % Tontine Asset Management, LLC339,11606/30/2021
1.81773 % Yakira Capital Management, Inc.233,396-2,4086/30/2021
1.79128 % The Banc Funds Company, L.L.C.230,0002,5006/30/2021
1.47586 % AllianceBernstein L.P.189,50006/30/2021
1.35380 % Gardner Lewis Asset Management, L.P.173,82821,7096/30/2021
1
2
3
4
5
...
9

Most common questions regarding Severn Bancorp

What values and corporate philosophy does Severn Bancorp represent?

Severn Bancorp Inc represents a strong commitment to its values and corporate philosophy. With a focus on integrity, trust, and transparency, Severn Bancorp Inc strives to provide exceptional financial services to its customers. The company operates under the belief in building long-term relationships, offering personalized solutions, and fostering a culture of teamwork and collaboration. Severn Bancorp Inc's dedication to customer satisfaction is evident through its customer-centric approach, reliable financial expertise, and innovative banking practices. As a leading financial institution, Severn Bancorp Inc continues to uphold its values while delivering exceptional value to its shareholders, customers, and communities it serves.

In which countries and regions is Severn Bancorp primarily present?

Severn Bancorp Inc is primarily present in the United States.

What significant milestones has the company Severn Bancorp achieved?

Severn Bancorp Inc, a leading financial services company, has achieved numerous significant milestones. Over the years, the company has demonstrated its commitment to excellence, resulting in remarkable accomplishments. Severn Bancorp Inc successfully expanded its market presence and enhanced its financial performance, providing exceptional service and value to its stakeholders. Notably, the company achieved robust growth in assets and deposits, showcasing its strong financial position. By fostering dedication to customer satisfaction and delivering innovative products and solutions, Severn Bancorp Inc has upheld its reputation as a reliable and trusted institution. Through strategic investments and steadfast management, the company continues to achieve remarkable milestones, driving success and prosperity for its shareholders and clients alike.

What is the history and background of the company Severn Bancorp?

Severn Bancorp Inc is a company with a rich history and background. Established in 1946, Severn Bancorp Inc is a Maryland-based bank holding company that provides a wide range of financial services. Over the years, the company has developed a strong reputation for its commitment to customer satisfaction and community development. With a focus on delivering innovative banking solutions, Severn Bancorp Inc has grown to become a leading financial institution in the region. Through strategic partnerships and acquisitions, the company continues to expand its presence and offerings to serve the evolving needs of its clients. Severn Bancorp Inc's dedication to excellence and long-standing presence in the market makes it a reliable choice for individuals and businesses seeking dependable financial solutions.

Who are the main competitors of Severn Bancorp in the market?

The main competitors of Severn Bancorp Inc in the market include other regional banks such as Howard Bank and Eagle Bancorp. Severn Bancorp Inc competes with these companies in terms of services, customer base, and geographical presence.

In which industries is Severn Bancorp primarily active?

Severn Bancorp Inc is primarily active in the banking industry.

What is the business model of Severn Bancorp?

The business model of Severn Bancorp Inc revolves around serving as a financial holding company. Severn Bancorp primarily operates through its subsidiary, Severn Savings Bank. The bank provides a range of personal and commercial banking services to individuals and businesses in Maryland. With its customer-centric approach, Severn Bancorp aims to meet the financial needs of the local community by offering mortgage loans, checking and savings accounts, commercial lending solutions, and various other banking products. Severn Bancorp Inc focuses on maintaining a strong presence in the Maryland market and ensuring the financial well-being of its customers.

What is the P/E ratio of Severn Bancorp 2024?

The P/E ratio cannot be calculated for Severn Bancorp at the moment.

What is the P/S ratio of Severn Bancorp 2024?

The P/S cannot be calculated for Severn Bancorp currently.

What is the Quality Investing of Severn Bancorp?

The Quality Investing for Severn Bancorp is 3/10.

What is the revenue of Severn Bancorp 2024?

The revenue cannot currently be calculated for Severn Bancorp.

How high is the profit of Severn Bancorp 2024?

The profit cannot currently be calculated for Severn Bancorp.

What is the business model of Severn Bancorp

Severn Bancorp Inc is a financial services company based in Annapolis, Maryland that offers various products and services. The company is owned by Severn Savings Bank, FSB, which provides its customers with a wide range of financial services through its branches and online platforms. One of Severn Bancorp's main business areas is deposit acceptance. The company offers various deposit products such as checking accounts, savings accounts, CDs, and IRA accounts to help customers effectively manage their money. In addition, Severn Bancorp also offers credit services, including mortgages, consumer loans, and business loans. The company works closely with its customers to understand their needs and provide tailored credit solutions. Another important business sector of Severn Bancorp is wealth management. The company brings together a group of experienced financial experts to help customers manage, protect, and multiply their assets. Severn Bancorp offers various products and services for asset management, including investment advice, trust and estate planning, and foundation management. Severn Bancorp also offers various insurance solutions to its customers. The company provides auto and home insurance to protect customers from unforeseen damages. Additionally, Severn Bancorp also offers insurance for business, professional, and liability risks to help businesses safeguard against unexpected damages and liability claims. As part of its efforts to offer its customers a comprehensive portfolio of financial services, Severn Bancorp also provides digital banking services. Customers can manage their accounts online or through the company's mobile app and easily handle emerging deposit, credit, or insurance matters. Overall, the business model of Severn Bancorp Inc is tailored to meet the needs of its customers. The company strives to offer a wide range of financial services to help customers achieve their financial goals. By integrating deposit and credit services, wealth management, insurance, and online banking services, Severn Bancorp can provide its customers with a comprehensive portfolio of solutions to effectively manage their finances.

What is the Severn Bancorp dividend?

Severn Bancorp pays a dividend of 0 USD distributed over payouts per year.

How often does Severn Bancorp pay dividends?

The dividend cannot currently be calculated for Severn Bancorp or the company does not pay out a dividend.

What is the Severn Bancorp ISIN?

The ISIN of Severn Bancorp is US81811M1009.

What is the Severn Bancorp WKN?

The WKN of Severn Bancorp is 663246.

What is the Severn Bancorp ticker?

The ticker of Severn Bancorp is SVBI.

How much dividend does Severn Bancorp pay?

Over the past 12 months, Severn Bancorp paid a dividend of 0.16 USD . This corresponds to a dividend yield of about 1.17 %. For the coming 12 months, Severn Bancorp is expected to pay a dividend of 0.16 USD.

What is the dividend yield of Severn Bancorp?

The current dividend yield of Severn Bancorp is 1.17 %.

When does Severn Bancorp pay dividends?

Severn Bancorp pays a quarterly dividend. This is distributed in the months of January, April, July, October.

How secure is the dividend of Severn Bancorp?

Severn Bancorp paid dividends every year for the past 3 years.

What is the dividend of Severn Bancorp?

For the upcoming 12 months, dividends amounting to 0.16 USD are expected. This corresponds to a dividend yield of 1.17 %.

In which sector is Severn Bancorp located?

Severn Bancorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Severn Bancorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Severn Bancorp from 9/15/2021 amounting to 0.05 USD, you needed to have the stock in your portfolio before the ex-date on 9/2/2021.

When did Severn Bancorp pay the last dividend?

The last dividend was paid out on 9/15/2021.

What was the dividend of Severn Bancorp in the year 2023?

In the year 2023, Severn Bancorp distributed 0.14 USD as dividends.

In which currency does Severn Bancorp pay out the dividend?

The dividends of Severn Bancorp are distributed in USD.

All fundamentals about Severn Bancorp

Our stock analysis for Severn Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Severn Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.