SMMF Summit Financial Group Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: SMMF

Price (delayed)

$27.35

Market cap

$401.6M

P/E Ratio

7.16

Dividend/share

$0.86

EPS

$3.82

Enterprise value

$776.33M

Summit Financial Group, Inc. is a $3.11 billion financial holding company headquartered in Moorefield, West Virginia. Summit provides community banking services primarily in the Eastern Panhandle, Southern and North Central ...

Highlights
The equity has grown by 24% YoY and by 6% from the previous quarter
The gross profit has grown by 18% YoY and by 4.7% from the previous quarter
SMMF's P/E is 19% above its last 4 quarters average of 6.0 but 8% below its 5-year quarterly average of 7.8
SMMF's debt is up by 22% YoY and by 12% QoQ
SMMF's EPS is down by 7% year-on-year
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.summitfgi.com
Peers: FCBC RF PEBO CHCO

Key stats

What are the main financial stats of SMMF
Market
Shares outstanding
14.68M
Market cap
$401.6M
Enterprise value
$776.33M
Valuations
Price to earnings (P/E)
7.16
Price to book (P/B)
0.91
Price to sales (P/S)
2.43
EV/EBIT
11.03
EV/EBITDA
10.01
EV/Sales
4.7
Earnings
Revenue
$165.2M
EBIT
$70.4M
EBITDA
$77.59M
Free cash flow
$68.29M
Per share
EPS
$3.82
Free cash flow per share
$4.65
Book value per share
$30
Revenue per share
$11.26
TBVPS
$310.73
Balance sheet
Total assets
$4.63B
Total liabilities
$4.19B
Debt
$426.97M
Equity
$440.21M
Working capital
N/A
Liquidity
Debt to equity
0.97
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.83
Margins
EBITDA margin
47%
Gross margin
100%
Net margin
33.4%
Operating margin
42.6%
Efficiency
Return on assets
1.2%
Return on equity
13.3%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
42.6%
Dividend
Dividend yield
3.14%
DPS
$0.86
Payout ratio
22.5%

SMMF stock price

How has the Summit Financial Group stock price performed over time
Intraday
0.55%
1 week
9.18%
1 month
4.43%
1 year
43.23%
YTD
-10.88%
QTD
0.7%

Financial performance

How have Summit Financial Group's revenue and profit performed over time
Revenue
$165.2M
Gross profit
$165.2M
Operating income
$70.4M
Net income
$55.24M
Gross margin
100%
Net margin
33.4%
The gross profit has grown by 18% YoY and by 4.7% from the previous quarter
The revenue rose by 18% year-on-year and by 4.7% since the previous quarter
SMMF's net margin is down by 12% YoY
The operating margin has contracted by 11% YoY

Growth

What is Summit Financial Group's growth rate over time

Valuation

What is Summit Financial Group stock price valuation
P/E
7.16
P/B
0.91
P/S
2.43
EV/EBIT
11.03
EV/EBITDA
10.01
EV/Sales
4.7
SMMF's P/E is 19% above its last 4 quarters average of 6.0 but 8% below its 5-year quarterly average of 7.8
SMMF's EPS is down by 7% year-on-year
The equity has grown by 24% YoY and by 6% from the previous quarter
The P/B is 14% more than the last 4 quarters average of 0.8 but 9% less than the 5-year quarterly average of 1.0
The revenue rose by 18% year-on-year and by 4.7% since the previous quarter
The price to sales (P/S) is 10% more than the last 4 quarters average of 2.2 but 10% less than the 5-year quarterly average of 2.7

Efficiency

How efficient is Summit Financial Group business performance
SMMF's return on equity is down by 14% year-on-year and by 2.2% since the previous quarter
The ROA has declined by 14% year-on-year
Summit Financial Group's ROIC has decreased by 12% YoY
SMMF's ROS is down by 11% year-on-year

Dividends

What is SMMF's dividend history
Dividend details
DPS
$0.86
Dividend yield
3.14%
Payout ratio
22.5%
Recent dividends

Financial health

How did Summit Financial Group financials performed over time
Summit Financial Group's total assets is 10% more than its total liabilities
The total liabilities has grown by 18% YoY
Summit Financial Group's total assets has increased by 18% YoY
SMMF's debt is 3% lower than its equity
The equity has grown by 24% YoY and by 6% from the previous quarter
SMMF's debt is up by 22% YoY and by 12% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.