NASDAQ: SMMFSummit Financial Group Inc Stock
$25.08+0.05 (+0.2%)
Updated Apr 18, 2024
SMMF Price
$25.08
Fair Value Price
$30.00
Market Cap
$368.27M
52 Week Low
$17.06
52 Week High
$31.49
P/E
6.57x
P/B
0.84x
P/S
2.73x
PEG
0.82x
Dividend Yield
3.43%
Revenue
$165.20M
Earnings
$55.24M
Gross Margin
100%
Operating Margin
42.62%
Profit Margin
32.9%
Debt to Equity
9.53
Operating Cash Flow
$74M
Beta
1.03
Next Earnings
Apr 25, 2024
Ex-Dividend
N/A
Next Dividend
N/A
SMMF Overview
Summit Financial Group, Inc. operates as a financial holding company for Summit Community Bank, Inc. that provides community banking and other financial services to individuals and businesses primarily in the Eastern Panhandle, Southern and North Central regions of West Virginia and the Northern, Shenandoah Valley, and Southwestern regions of Virginia, and the Central region of Kentucky. The company's community banking services include demand, savings, and time deposits; commercial, commercial real estate, construction and land development, residential real estate, and consumer loans; and mortgage warehouse lines of credit, as well as trust and wealth management, cash management, and insurance services. As of December 31, 2021, it operated through 45 banking offices. The company was incorporated in 1987 and is headquartered in Moorefield, West Virginia.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
SMMF ($25.08) is undervalued by 16.39% relative to our estimate of its Fair Value price of $30.00 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SMMF ($25.08) is not significantly undervalued (16.39%) relative to our estimate of its Fair Value price of $30.00 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SMMF ($25.08) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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SMMF News
Valuation
SMMF fair value
Fair Value of SMMF stock based on Discounted Cash Flow (DCF)
Price
$25.08
Fair Value
$30.00
Undervalued by
16.39%
SMMF ($25.08) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SMMF ($25.08) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SMMF ($25.08) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
SMMF price to earnings (PE)
For valuing profitable companies with steady earnings
Company
6.57x
Industry
-10.84x
Market
41.33x
SMMF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SMMF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
SMMF price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.84x
Industry
0.95x
SMMF is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SMMF price to earnings growth (PEG)
For valuing profitable companies with growth potential
SMMF is good value based... subscribe to Premium to read more.
PEG Value Valuation
SMMF's financial health
Profit margin
Revenue
$45.1M
Net Income
$16.6M
Profit Margin
36.3%
SMMF's Earnings (EBIT) of $70.40M... subscribe to Premium to read more.
Interest Coverage Financials
SMMF's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.6B
Liabilities
$4.2B
Debt to equity
9.53
SMMF's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
SMMF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$19.0M
Investing
-$28.0M
Financing
$1.6M
SMMF's operating cash flow ($73.73M)... subscribe to Premium to read more.
Debt Coverage Financials
SMMF vs Bank Stocks
Summit Financial Group Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.