Market cap
$162 Mln
Revenue (TTM)
$55 Mln
P/E Ratio
10.6
P/B Ratio
1.4
Div. Yield
2.3 %
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
162 | 11,669 | 11,023 | 10,298 | 10,363 |
Revenue ($ Mln) |
55 | 4,633 | 4,560 | 4,346 | 3,248 |
Net Profit ($ Mln) |
14.88 | 1,057.00 | 942.68 | 900.36 | 950.21 |
Net Margin (%) |
27.13 | 22.81 | 20.67 | 20.72 | 29.26 |
RoE (%) |
11.39 | 11.56 | 11.99 | 12.18 | 10.45 |
Price to Earnings |
10.56 | 11.84 | 12.12 | 12.27 | 11.22 |
Price-To-Book |
1.43 | 1.38 | 1.43 | 1.45 | 1.12 |
Income Statement ($ Mln)
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
54.86 | 3,411.00 | 1,583.16 | 2,208.50 | 1,674.64 |
|
Cost of Revenue
|
0.00 | 386.00 | 261.62 | 330.67 | 143.21 |
|
Gross Profit
|
56.37 | 3,025.00 | 1,321.54 | 1,877.83 | 1,531.43 |
|
Operating Expenses
|
-6.67 | 1,866.00 | 789.53 | 1,177.27 | 898.07 |
|
Operating Profit (EBIT)
|
25.26 | 1,159.00 | 532.01 | 700.56 | 633.36 |
|
Other Income
|
0.00 | -- | -- | -- | -- |
|
Profit before Tax
|
18.16 | 1,159.00 | 532.01 | 700.56 | 633.36 |
|
Provision for Tax
|
3.28 | 247.00 | 100.33 | 190.87 | 137.31 |
|
Profit after Tax (Net Income)
|
14.88 | 900.00 | 431.68 | 509.68 | 496.05 |
|
Minority Interest
|
0.00 | 295.00 | -- | -- | -- |
|
Consolidated Profit
|
14.64 | 868.00 | 431.68 | 481.72 | 496.05 |
Liabilities ($ Mln)
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
133.07 | 8,548.00 | 38,131.15 | 4,796.84 | 5,074.93 |
|
Minority Interest
|
0.00 | 295.00 | -- | -- | -- |
|
Non-Current Liabilities
|
48.85 | 2,506.00 | 381.31 | 3,296.03 | 1,936.73 |
|
Current Liabilities
|
8.98 | 2,506.00 | 16,307.72 | 44,856.78 | 36,907.04 |
|
Total Liabilities
|
1,541.58 | 78,953.00 | 38,512.46 | 52,949.65 | 43,918.70 |
Assets ($ Mln)
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
214.73 | 13,938.00 | 549.76 | 46,511.82 | 37,859.80 |
|
Current Assets
|
238.08 | 2,445.00 | 0.42 | 6,437.83 | 6,058.89 |
|
Total Assets
|
1,541.58 | 78,953.00 | 38,512.46 | 52,949.65 | 43,918.70 |
|
Total Debt*
|
48.85 | 4,438.00 | 2,615.76 | 3,603.64 | 938.38 |
|
Net Current Assets
|
0.00 | -- | -- | -- | -- |
Cashflow ($ Mln)
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
27.45 | 2,311.00 | 769.55 | 1,375.00 | 1,730.89 |
|
Cash Flow from Investing Activities
|
-168.74 | 8,313.00 | -3,845.39 | -3,490.77 | -4,860.40 |
|
Cash from Financing Activities
|
16.49 | -10,869.00 | -4,580.86 | 2,195.53 | -2,279.51 |
|
Net Cash Inflow / Outflow
|
-124.80 | -245.00 | -7,656.69 | 88.73 | -5,409.01 |
Ratios
Profitability Ratios
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
8.99 | 7.23 | 1.00 | 6.65 | 8.33 |
|
ROE (%)
|
11.39 | 10.75 | 1.07 | 10.97 | 10.04 |
|
ROA (%)
|
0.66 | 1.07 | 1.06 | 0.99 | 1.16 |
|
EBIT Margin (%)
|
46.05 | -- | -- | -- | -- |
|
Net Margin (%)
|
27.13 | 26.39 | 27.27 | 23.08 | 29.62 |
|
Cash Profit Margin (%)
|
0.00 | -- | -- | -- | -- |
Growth Ratios
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
2.62 | 0.08 | 0.27 | 0.19 | 0.18 |
|
EBIT Growth (%)
|
12.12 | -- | -- | -- | -- |
|
Net Profit Growth (%)
|
-0.83 | -9.91 | 22.28 | 9.34 | 4.31 |
|
EPS Growth (%)
|
-1.35 | -0.15 | 0.23 | 0.03 | -0.04 |
|
Book Value Growth (%)
|
3.91 | -- | -- | -- | -- |
Valuation Ratios
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
11.29 | 15.57 | 9.43 | 10.26 | 11.75 |
|
Price / Book Value
|
1.40 | 1.64 | 0.11 | 1.09 | 1.15 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
-0.80 | 4.85 | -3.41 | 4.26 | 1.01 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
0.34 | 0.52 | 0.07 | 0.75 | 0.18 |
|
Short term debt to equity ratio
|
0.15 | 0.29 | 0.06 | 0.06 | 0.11 |
|
Current Ratio
|
26.53 | 0.98 | 0.00 | 0.14 | 0.16 |
|
Quick Ratio
|
26.53 | 0.97 | 0.19 | 0.14 | 0.16 |
|
Interest Coverage
|
2.38 | 3.98 | 2.38 | 2.78 | 10.32 |
Operating Efficiency Ratios
| Salisbury Bancorp (SAL) | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | Wintrust Financial (WTFC) | South State Corp (SSB) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
11.93 | -- | 11.95 | 42.48 | 1,780.77 |
|
Asset Turnover
|
0.02 | 0.04 | 0.04 | 0.04 | 0.04 |
|
Receivable days
|
42.31 | 6,632.06 | 36.95 | 79.73 | 6,504.25 |
|
Inventory Days
|
-- | 9.94 | -9,646.71 | -3,657.64 | 5.91 |
|
Payable days
|
-- | 65,472.01 | 25,017.67 | 1,529.17 | 91,058.67 |
|
Cash Conversion Cycle
|
-- | 187,813.57 | -34,627.43 | -5,107.08 | -84,548.51 |