1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
SFSB, Inc.

SFSB, Inc.

SFBI
SFSB, Inc.US flagOther OTC
0.00
USD
- -
- -
9.35MMarket Cap
SFSB, Inc.
SFBI
(Other OTC)

Recent

price

0.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2004
2005
2006
2007
2008
TTM
FRC
1.18
1.39
1.39
1.34
1.7
1.8
Revenue per Share
0.09
0.08
0.01
0.04
-0.8
-0.89
Basic EPS, GAAP
0.35
0.1
0.23
0.55
- -
0.01
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
3.75
3.82
4.06
4.16
3.49
3.47
Book Value per Share
7.6
7.63
7.94
7.85
7.12
7.09
Tangible Book Value per Share
3
3
3
3
3
3
Basic Weighted Avg Shares
4
4
4
4
5
5
Sales/Revenue/Turnover
13.13
9.64
1.1
4.88
-42
-43.35
Operating Margin (%)
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
-2
-2
Net Income, GAAP
41.56
40.4
58.14
43.09
- -
43.2
Effective Tax Rate (%)
7.67
5.75
0.46
2.78
-47.02
-49.19
Profit Margin (%)
- -
- -
- -
- -
- -
- -
Working Capital
6
36
39
34
25
25
LT Debt
23
23
22
22
19
19
Total Equity
- -
0.41
0.03
0.17
- -
0.62
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
2.12
0.16
0.9
-20.6
-22.7
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'08
Dec'08
Mar'09
ST Debt
- -
11
10
LT Borrowings
30
25
25
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
17
16
13

Working Capital

FRC

•

in mil. unless spec.
Sep'08
Dec'08
Mar'09
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1
2
3
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
11
10
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
-12.09%
Free Cash Flow
- -
- -
-100.26%
Net Income, GAAP
- -
- -
-2,190.29%
Sales/Revenue/Turnover
- -
- -
23.39%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2007
1
1
1
1
4
2008
1
1
- -
3
5
2009
1
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2007
- -
-0.01
0.01
- -
0.04
2008
0.02
0.05
-0.59
- -
-0.8
2009
-0.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2007
- -
- -
- -
- -
- -
2008
- -
- -
- -
- -
- -
2009
- -
- -
- -
- -
- -
Similar Companies
Lloyds Banking Group plc (LLOY.L)
ECB Bancorp, Inc. (ECBK)
China CITIC Bank Corporation Limited (0998.HK)
Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ)
Suncrest Bank (SBKK)
HS Holdings Co., Ltd. (8699.T)
Business
SFSB, Inc. SFSB, Inc. (SFBI) serves as the bank holding company for Slavie Federal Savings Bank, which provides retail banking products and services primarily in the greater Baltimore area of Maryland. Deposit products include non-interest-bearing demand deposits, NOW accounts, money market demand deposits, savings accounts and certificates of deposit; lending products encompass mortgage loans, construction loans, home equity loans, land loans and consumer loans. The company operates in the regional banking sector, targeting consumers and businesses within Harford County and surrounding communities. SFSB, Inc. maintains its headquarters at 1614 Churchville Road in Bel Air, Maryland, and was formed as a federal corporation in 2004.