Market cap
$162 Mln
Revenue (TTM)
$55 Mln
P/E Ratio
10.6
P/B Ratio
1.4
Div. Yield
2.3 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -9.89 | -12.86 | 2.62 | 7.09 | 7.58 |
| EBIT | -48.43 | -27.66 | 12.12 | 4.45 | 9.44 |
| Net Profit | 12.82 | -11.44 | -0.83 | 11.36 | 17.36 |
| EPS | 12.45 | -11.97 | -1.35 | 10.55 | 16.70 |
| Book Value | -- | -- | -6.69 | 3.39 | 5.07 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-22 | Dec-21 |
| EBIT-Margin
| 37.77 | 38.33 | 46.05 | 43.26 | 40.14 |
| Net Margin
| -- | -- | 27.13 | -- | -- |
| Return on equity
| 11.53 | 10.73 | 11.39 | 11.98 | 12.61 |
| Return on Capital
| 8.72 | 7.49 | -- | 8.99 | 9.84 |
| Return on Assets
| 1.06 | 1.01 | 0.66 | 1.03 | 1.17 |
| Debt to Equity (x)
| -- | -- | 0.34 | 0.30 | 0.36 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
--
|
8.99
|
9.84
|
7.34
|
6.18
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
11.39
Higher than Peers by 1.50
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
11.39
|
11.98
|
12.61
|
10.02
|
10.26
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
0.66
Lower than Peers by 0.30
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
0.66
|
1.03
|
1.17
|
0.99
|
1.00
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
46.05
Higher than Peers by 25.20
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
46.05
|
43.26
|
40.14
|
29.89
|
31.44
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
27.13
Higher than Peers by 7.09
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
27.13
|
28.16
|
31.88
|
24.80
|
25.94
|
|
Peer Median
|
20.04
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
2.62
Lower than Peers by 8.43
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
2.62
|
0.09
|
0.07
|
0.12
|
0.03
|
|
Peer Median
|
11.04
|
--
|
--
|
--
|
--
|
EBIT Growth
12.12
Higher than Peers by 23.16
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
12.12
|
17.57
|
44.10
|
6.65
|
-30.69
|
|
Peer Median
|
-11.04
|
--
|
--
|
--
|
--
|
Net Profit Growth
-0.83
Lower than Peers by 8.29
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
-0.83
|
-3.64
|
37.96
|
7.22
|
26.20
|
|
Peer Median
|
7.46
|
--
|
--
|
--
|
--
|
EPS Growth
-1.35
Lower than Peers by 7.25
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
-1.35
|
-0.04
|
0.37
|
0.07
|
0.26
|
|
Peer Median
|
5.90
|
--
|
--
|
--
|
--
|
Book Value Growth
3.91
Lower than Peers by 4.91
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
3.91
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.81
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.34
Higher than Peers by 0.13
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
0.34
|
0.30
|
0.36
|
0.20
|
0.55
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.15
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
0.15
|
0.08
|
0.18
|
0.17
|
0.45
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
26.53
Higher than Peers by 26.22
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
26.53
|
146.35
|
44.98
|
23.90
|
15.27
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
26.53
Higher than Peers by 26.17
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
26.53
|
--
|
--
|
--
|
15.23
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
2.38
Higher than Peers by 0.63
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
2.38
|
4.90
|
6.02
|
2.72
|
1.45
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
11.93
Higher than Peers by 5.00
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
11.93
|
12.06
|
12.12
|
13.24
|
7.96
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.02
Lower than Peers by 0.02
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
0.02
|
0.04
|
0.04
|
0.04
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
--
|
42.31
|
44.65
|
37.13
|
27.92
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
10.56
Lower than Peers by 2.23
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
10.56
|
11.29
|
18.92
|
17.55
|
22.92
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.43
Higher than Peers by 0.11
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
1.43
|
1.40
|
2.28
|
1.68
|
2.25
|
|
Peer Median
|
1.33
|
--
|
--
|
--
|
--
|
Dividend Yield
2.30
Lower than Peers by 0.18
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
2.30
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
--
|
-0.80
|
-0.84
|
2.83
|
14.30
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
162
Lower than Peers by 147
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-22
|
Dec-21
|
Dec-20
|
Dec-19
|
|---|---|---|---|---|---|
|
Salisbury Bancorp (SAL)
|
162
|
--
|
--
|
--
|
--
|
|
Peer Median
|
309
|
--
|
--
|
--
|
--
|