Market Price

11.00 

0.00 0.0%

as of Dec 17 '18

52 Week Range:

1.90 12.10


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

Savi Financial Corporation, Inc. operates as a holding company for SaviBank that provides various commercial banking products and services for small and middle-market businesses, and individuals in and around Skagit, Island, and Whatcom counties in the United States. It offers various personal banking products and services, including personal checking accounts, personal savings accounts, personal money market accounts, certificates of deposit, and individual retirement accounts. The company also provides business banking products and services comprising business checking accounts; business money market accounts, business savings accounts, and certificates of deposit; merchant card services; cash management services, such as ACH origination, online wire transfer, and sweep account services; and credit and debit cards. In addition, it offers commercial real estate, commercial term, and small business administration loans; commercial lines of credit and commercial cash reserve credit line services; cash reserve line of credit, auto loans, and boat or other recreational vehicle loans; and mortgage and home equity fixed rate loans, and home equity line of credit. Further, the company provides online banking and bill pay services. It operates five branch locations in Burlington, Bellingham, Mt. Vernon, Oak Harbor, and Freeland, Washington; and a loan production center in Anacortes, Washington. The company was founded in 2005 and is based in Burlington, Washington.

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 '14 Dec '15 Dec '16 Dec '17
Avg.PE 1,150.00
growth rate
Balance Sheet Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 98.81
119.84
137.16
178.27
growth rate 21.3% 14.5% 30.0%
Cur.Assets 6.23
13.51
14.08
13.75
growth rate 116.7% 4.2% -2.4%
Total Assets 123.69
139.60
186.34
217.33
growth rate 12.9% 33.5% 16.6%
Cash 4.08
11.14
11.54
12.34
growth rate 173.3% 3.5% 7.0%
Inventory 1.64
1.92
1.51
0.47
growth rate 17.0% -21.4% -68.8%
Cur.Liabilities 99.19
120.23
161.16
183.86
growth rate 21.2% 34.0% 14.1%
Liabilities 111.23
125.28
166.23
188.93
growth rate 12.6% 32.7% 13.7%
LT Debt 12.00
5.00
5.00
5.00
growth rate -58.3% 0.0% 0.0%
Equity 12.46
14.31
20.11
28.40
growth rate 14.9% 40.5% 41.2%
Common Shares 27.65
28.76
28.84
37.47
growth rate 4.0% 0.3% 29.9%
Cash Flow Statement Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.57
0.10
1.46
1.96
growth rate -82.5% 1,352.8% 34.3%
Cash From OA 0.83
-0.15
1.05
2.06
growth rate -100.0% 100.0% 95.8%
Sale Purchase of Stock 5.17
1.12
0.08
8.66
growth rate -78.3% -92.8% 10,595.2%
FCF 0.26
-0.25
-0.41
0.10
growth rate -100.0% 0.0% 100.0%
Income Statement Dec '14 Dec '15 Dec '16 Dec '17
Sales 5.38
6.27
7.42
9.85
growth rate 16.5% 18.4% 32.7%
Op.Income 0.70
0.98
1.51
2.46
growth rate 41.0% 53.4% 63.4%
IBT 0.14
0.70
1.17
2.34
growth rate 410.5% 67.2% 99.6%
Net Income 0.14
0.70
5.73
0.09
growth rate 410.5% 715.4% -98.5%
Gross Profit 5.38
6.27
7.42
9.85
growth rate 16.5% 18.4% 32.7%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Balance Sheet
Acct.Payable 163.82
178.27
186.22
188.35
200.60
growth rate 8.8% 4.5% 1.1% 6.5%
Cur.Assets 13.75
growth rate
Total Assets 211.18
217.33
221.65
234.36
247.11
growth rate 2.9% 2.0% 5.7% 5.4%
Cash 12.34
growth rate
Inventory 0.47
growth rate
Cur.Liabilities 180.12
183.86
186.22
188.35
200.60
growth rate 2.1% 1.3% 1.1% 6.5%
Liabilities 181.20
188.93
192.17
204.37
216.72
growth rate 4.3% 1.7% 6.4% 6.0%
LT Debt 5.00
5.00
15.00
15.00
growth rate 0.0% 200.0% 0.0%
Equity 29.97
28.40
29.48
29.99
30.39
growth rate -5.3% 3.8% 1.7% 1.4%
Common Shares 29.97
37.47
29.48
29.99
30.39
growth rate 25.0% -21.3% 1.7% 1.4%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 2.56
2.52
2.83
2.77
2.73
growth rate -1.6% 12.3% -2.3% -1.6%
Op.Income 0.62
0.66
0.84
0.65
0.50
growth rate 6.5% 26.6% -22.1% -24.0%
IBT 0.62
0.55
0.84
0.65
0.50
growth rate -12.3% 53.8% -22.1% -24.0%
Net Income 0.41
-1.28
0.66
0.52
0.39
growth rate -100.0% 100.0% -21.5% -24.9%
Gross Profit 2.56
2.52
2.83
2.77
2.73
growth rate -1.6% 12.3% -2.3% -1.6%

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:

C (56.87)

YOY Growth Grade:

D (43.84)

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 109.09 500.00
EPS / Growth 0.02

Value Price & Investment Recovery Time

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

Equity Growth Rate: 37.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 37.9% 37.9% 37.9%
Future PE 0.01 61.62 61.62
Future EPS 0.55 0.55 0.55
Value Price
MOS %
0.00
-100.0%
8.32
-24.4%
8.32
-24.4%
MOS Price 0.00 4.16 4.16
IRT 15.31 15.31 15.31

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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