Stock Scorecard



Stock Summary for Summit Financial Group Inc (SMMF)

Total Score

21 out of 29

Currently on the following lists
Growth Stock List
Tim's Recommendation
Buy

Growth List Algorithm Criteria for SMMF

Positive earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for SMMF

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for SMMF

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2

Bonus Criteria for SMMF

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Financial Details for SMMF

Company Overview

Company Name Summit Financial Group Inc
Country USA
Description Summit Financial Group, Inc. is a financial holding company for Summit Community Bank, Inc. providing community banking and other financial services to individuals and businesses primarily in the Eastern, Southern, and North Central Panhandle regions of West Virginia and the North. , and Shenandoah Valley and the Southwest Virginia and Central Kentucky regions. The company is headquartered in Moorefield, West Virginia.
Sector Name FINANCE
Industry Name STATE COMMERCIAL BANKS
Most Recent Quarter 9/30/2022
Next Earnings Date 1/25/2023

Stock Price History

Last Day Price 28.48
Last Day Volume 19,037
Average Daily Volume 13,338
52-Week High 30.61
52-Week Low 23.93
Last Price to 52 Week Low 19.01 %

Valuation Measures

Trailing PE 7.33
Industry PE 10.79
Sector PE 25.68
5-Year Average PE 8.61
Free Cash Flow Ratio 7.98
Industry Free Cash Flow Ratio 5.96
Sector Free Cash Flow Ratio 14.33
Book Value Per Share Most Recent Quarter 25.58
Price to Book Ratio 1.13
Industry Price to Book Ratio 1.26
Sector Price to Book Ratio 2.53
Price to Sales Ratio Twelve Trailing Months 2.67
Industry Price to Sales Ratio Twelve Trailing Months 2.96
Sector Price to Sales Ratio Twelve Trailing Months 2.81

Share Statistics

Total Shares Outstanding 12,780,600
Market Capitalization 363,991,488
Institutional Ownership 0.00 %

Dividends

Ex-Dividend Date 12/14/2022
Last Dividend Amount 0.20
Current Dividend Amount 0.20
Dividend Aristocrat? False
Forward Annual Dividend Rate 0.00
Forward Annual Dividend Yield 0.00 %
Trailing Annual Dividend Rate 0.74
Trailing Annual Dividend Yield 2.81 %
5-Year Average Dividend Yield 0.00 %
5-Year Dividend Payments Count 21
Dividend Payout Ratio 0.00 %

Income Statement

Quarterly Earnings Growth YOY 20.70 %
Annual Earnings Growth 46.01 %
Reported EPS Past Year 2.93
Reported EPS Prior Year 3.47
Net Income Twelve Trailing Months 50,711,000
Net Income Past Year 45,738,000
Net Income Prior Year 31,326,000
Quarterly Revenue Growth YOY 15.00 %
5-Year Revenue Growth 12.30 %

Balance Sheet

Total Cash Per Share 3.57
Total Cash Most Recent Quarter 45,651,000
Total Cash Past Year 78,458,000
Total Cash Prior Year 99,787,000
Net Cash Position Most Recent Quarter 44,988,000
Net Cash Position Past Year 77,779,000
Long Term Debt Past Year 679,000
Long Term Debt Prior Year 699,000
Total Debt Most Recent Quarter 663,000
Equity to Debt Ratio Past Year 1.00
Equity to Debt Ratio Most Recent Quarter 1.00
Current Ratio Most Recent Quarter 0.17
Total Stockholder Equity Past Year 327,473,000
Total Stockholder Equity Prior Year 281,580,000
Total Stockholder Equity Most Recent Quarter 341,674,000

Options

Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis

MACD 0.03
MACD Signal 0.09
20-Day Bollinger Lower Band 26.60
20-Day Bollinger Middle Band 28.47
20-Day Bollinger Upper Band 30.35
Beta 0.40
RSI 52.06
50-Day SMA 27.18
200-Day SMA 22.79

System

Modified 12/2/2022 4:10:59 AM