Market Price

223.48 

-2.26 -1.0%

as of Jan 23 '19

52 Week Range:

177.70 333.74


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

SVB Financial Group, a diversified financial services company, provides various banking and financial products and services. Its Global Commercial Bank segment offers deposit products, such as business and analysis checking, money market, multi-currency, in-country bank, and sweep accounts, as well as merchant, remote capture, lockbox, electronic deposit capture, and fraud control services; credit products and services comprising term loans, equipment loans, asset-based loans, revolving lines of credit, accounts-receivable-based lines of credit, capital call lines of credit, and credit cards; and payment and cash management products and services, including wire transfer and automated clearing house payment, bill pay, debit card account analysis, and disbursement, as well as online and mobile banking services. This segment also provides various loan and credit facilities; foreign exchange services; export, import, and standby letter of credit; investment services and solutions; investment advisory service; vineyard development loans; and equity valuation services, as well as invests in debt funds. The company's SVB Private Bank segment offers private banking services, such as mortgages, home equity and capital call lines of credit, restricted stock purchase loans, and other secured and unsecured lending products. Its SVB Capital segment provides venture capital investment services that manage funds on behalf of third party limited partners. The company also offers asset and private wealth management, and private equity investment services. It operates through 29 offices in the United States; and offices in the United Kingdom, Hong Kong, China, Israel, and India. The company was founded in 1983 and is headquartered in Santa Clara, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 20.71
23.41
27.30
30.15
35.31
41.02
42.47
53.45
61.52
68.76
76.84
growth rate 13.0% 16.6% 10.4% 17.1% 16.2% 3.5% 25.9% 15.1% 11.8% 11.8%
Earnings BIT 239.01
133.70
45.85
198.22
401.88
363.08
685.18
685.38
638.47
677.86
910.74
growth rate -44.1% -65.7% 332.3% 102.7% -9.7% 88.7% 0.0% -6.8% 6.2% 34.4%
Avg.PE 14.95
11.45
62.89
23.75
12.11
14.31
22.32
23.15
15.36
26.53
27.51
growth rate -23.4% 449.3% -62.2% -49.0% 18.2% 56.0% 3.7% -33.7% 72.7% 3.7%
ROA 1.94
0.93
0.20
0.63
0.92
0.82
0.88
0.80
0.82
0.86
1.02
growth rate -52.1% -78.5% 215.0% 46.0% -10.9% 7.3% -9.1% 2.5% 4.9% 18.6%
ROE 18.95
10.79
2.39
7.90
12.09
10.30
11.37
11.03
11.43
11.19
12.54
growth rate -43.1% -77.9% 230.5% 53.0% -14.8% 10.4% -3.0% 3.6% -2.1% 12.1%
ROIC 11.58
7.01
2.83
5.50
8.50
8.49
9.90
10.16
growth rate -39.5% -59.6% 94.4% 54.6% -0.1% 16.6% 2.6%
Leverage 9.89
13.06
11.38
13.75
12.72
12.44
13.44
13.96
13.97
12.27
12.25
growth rate 32.1% -12.9% 20.8% -7.5% -2.2% 8.0% 3.9% 0.1% -12.2% -0.2%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 376.85
326.87
465.11
20.09
48.66
62.57
55.95
growth rate -13.3% 42.3% -95.7% 142.2% 28.6% -10.6%
Acct.Payable 34,343.50
39,142.78
38,979.87
44,254.08
growth rate 14.0% -0.4% 13.5%
Cur.Assets 2,120.86
1,977.44
2,982.67
3,561.68
growth rate -6.8% 50.8% 19.4%
Total Assets 10,018.30
12,841.40
17,527.80
19,968.89
22,766.12
26,417.19
39,337.87
44,686.70
44,683.66
51,214.47
growth rate 28.2% 36.5% 13.9% 14.0% 16.0% 48.9% 13.6% 0.0% 14.6%
Cash 1,958.30
3,454.60
3,003.10
11,650.99
12,352.16
13,525.60
1,532.06
1,099.77
2,111.72
2,277.96
growth rate 76.4% -13.1% 288.0% 6.0% 9.5% -88.7% -28.2% 92.0% 7.9%
Inventory 0.56
growth rate
Cur.Liabilities 34,598.23
40,254.25
39,807.48
45,766.72
growth rate 16.4% -1.1% 15.0%
Liabilities 9,026.90
11,713.10
16,253.40
18,399.50
20,935.57
24,450.92
35,286.14
41,353.47
40,906.62
46,895.05
growth rate 29.8% 38.8% 13.2% 13.8% 16.8% 44.3% 17.2% -1.1% 14.6%
LT Debt 725.25
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
451.36
796.70
749.06
695.49
growth rate 176.9% 0.1% 0.1% 0.1% 0.1% 0.1% -77.6% 76.5% -6.0% -7.2%
Equity 676.65
991.40
1,128.30
1,274.40
1,569.39
1,830.56
1,966.27
2,813.07
3,198.13
3,642.55
4,179.80
growth rate 46.5% 13.8% 13.0% 23.2% 16.6% 7.4% 43.1% 13.7% 13.9% 14.8%
Common Shares 37.00
34.00
34.00
42.00
44.00
45.00
46.00
50.00
52.00
52.00
53.00
growth rate -8.1% 0.0% 23.5% 4.8% 2.3% 2.2% 8.7% 4.0% 0.0% 1.9%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 13.25
8.50
15.10
27.10
30.86
34.26
30.00
42.43
53.92
53.31
50.88
growth rate -35.9% 77.7% 79.5% 13.9% 11.0% -12.4% 41.4% 27.1% -1.1% -4.6%
Cash Dividends 0.00
0.00
12.10
0.00
0.00
0.00
0.00
growth rate -100.0%
Cash From OA 173.99
165.70
87.00
163.20
166.39
196.11
171.78
255.27
339.20
437.98
580.10
growth rate -4.8% -47.5% 87.6% 2.0% 17.9% -12.4% 48.6% 32.9% 29.1% 32.5%
FCF per Share 4.41
4.66
3.36
3.20
1.86
3.62
3.18
5.00
4.14
5.84
10.95
growth rate 5.7% -27.9% -4.8% -41.9% 94.6% -12.2% 57.2% -17.2% 41.1% 87.5%
Sale Purchase of Stock 36.87
29.28
54.68
457.01
22.41
26.15
3.47
growth rate -20.6% 86.8% 735.8% -95.1% 16.7% -86.7%
FCF 162.00
158.00
115.00
136.00
136.00
162.00
142.00
213.00
286.00
385.00
529.00
growth rate -2.5% -27.2% 18.3% 0.0% 19.1% -12.4% 50.0% 34.3% 34.6% 37.4%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 596.81
521.00
479.90
665.70
947.72
984.26
1,402.83
1,369.35
1,383.54
1,500.40
1,885.30
growth rate -12.7% -7.9% 38.7% 42.4% 3.9% 42.5% -2.4% 1.0% 8.5% 25.7%
Op.Income 107.40
45.80
198.20
171.90
175.10
214.52
681.37
629.03
670.88
909.71
growth rate -57.4% 332.8% -13.3% 1.9% 22.5% 217.6% -7.7% 6.7% 35.6%
IBT 107.36
45.85
198.22
401.88
363.08
691.61
662.17
603.57
640.60
874.64
growth rate -57.3% 332.3% 102.7% -9.7% 90.5% -4.3% -8.9% 6.1% 36.5%
Net Income 74.30
48.00
95.00
171.90
175.10
214.52
263.87
343.90
382.69
490.51
growth rate -35.4% 97.9% 81.0% 1.9% 22.5% 23.0% 30.3% 11.3% 28.2%
EPS 3.37
2.16
0.66
2.24
3.94
3.91
4.67
5.31
6.62
7.31
9.20
growth rate -35.9% -69.4% 239.4% 75.9% -0.8% 19.4% 13.7% 24.7% 10.4% 25.9%
Gross Profit 1,369.35
1,383.54
1,500.40
1,885.30
growth rate 1.0% 8.5% 25.7%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 260.46
268.57
290.43
growth rate 3.1% 8.1%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 78.24
55.95
47.98
57.74
61.09
growth rate -28.5% -14.2% 20.4% 5.8%
Acct.Payable 44,812.03
44,254.08
45,936.53
48,887.30
48,596.11
growth rate -1.3% 3.8% 6.4% -0.6%
Cur.Assets 4,159.12
3,561.68
3,324.64
3,395.28
4,562.50
growth rate -14.4% -6.7% 2.1% 34.4%
Total Assets 50,754.29
51,214.47
53,500.79
55,867.75
58,139.73
growth rate 0.9% 4.5% 4.4% 4.1%
Cash 1,892.91
2,277.96
1,866.00
2,028.92
1,599.96
growth rate 20.3% -18.1% 8.7% -21.1%
Inventory
growth rate
Cur.Liabilities 45,291.08
45,766.72
47,602.03
49,782.69
51,833.12
growth rate 1.1% 4.0% 4.6% 4.1%
Liabilities 46,556.99
46,895.05
48,941.06
51,062.90
53,069.69
growth rate 0.7% 4.4% 4.3% 3.9%
LT Debt 749.62
695.49
695.73
695.97
696.22
growth rate -7.2% 0.0% 0.0% 0.0%
Equity 4,059.81
4,179.80
4,415.45
4,657.65
4,924.37
growth rate 3.0% 5.6% 5.5% 5.7%
Common Shares 0.05
0.05
0.05
0.05
0.05
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 13.97
15.41
7.72
7.13
13.87
growth rate 10.3% -49.9% -7.6% 94.4%
Cash Dividends
growth rate
Cash From OA 107.95
112.07
348.40
-1.02
356.52
growth rate 3.8% 210.9% -100.0% 100.0%
Sale Purchase of Stock 2.37
2.10
2.10
growth rate -11.5% 0.0%
FCF 93.98
96.65
340.69
-8.16
342.66
growth rate 2.8% 252.5% -100.0% 100.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 509.23
523.73
547.41
630.05
686.12
growth rate 2.9% 4.5% 15.1% 8.9%
Op.Income 259.83
268.43
291.42
334.64
386.22
growth rate 3.3% 8.6% 14.8% 15.4%
IBT 251.47
259.72
281.99
324.31
376.67
growth rate 3.3% 8.6% 15.0% 16.1%
Net Income 148.62
117.21
194.96
237.80
274.82
growth rate -21.1% 66.3% 22.0% 15.6%
EPS
growth rate
Gross Profit 509.23
523.73
547.41
630.05
686.12
growth rate 2.9% 4.5% 15.1% 8.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (94.05)

YOY Growth Grade:

C (61.81)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.05 14.56 11.27
EPS / Growth 19.3% 15.35 9.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 17.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.3% 15.3% 15.3%
Future PE 11.27 18.99 18.99
Future EPS 37.45 63.90 63.90
Value Price
MOS %
104.31
-53.3%
299.99
34.2%
299.99
34.2%
MOS Price 52.16 150.00 150.00
IRT 9.05 7.53 7.53

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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