ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Summit Financial Group, Inc. (West Virginia) ?
1
Strong lending practices with low Gross NPA ratio of 0.57%
2
Healthy long term growth as Net profit has grown by an annual rate of 17.71%
3
The company has declared Positive results for the last 16 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 75.91 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) At USD 65.52 has Grown at 29.81%
4
With ROE of 13.9, it has a fair valuation with a 0.8 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 12.6%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Summit Financial Group, Inc. (West Virginia) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Summit Financial Group, Inc. (West Virginia) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Summit Financial Group, Inc. (West Virginia)
37.58%
1.00
37.58%
S&P 500
13.22%
0.61
20.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.23%
EBIT Growth (5y)
14.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
28.05%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.83
EV to EBIT
9.19
EV to EBITDA
8.25
EV to Capital Employed
0.90
EV to Sales
2.52
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
9.75%
ROE (Latest)
13.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Summit Financial Group, Inc. (West Virginia)
Operating Cash Flow
Highest at USD 75.91 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
At USD 65.52 MM has Grown at 29.81%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 1.14
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 2.05 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 10.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Summit Financial Group, Inc. (West Virginia)
Interest
At USD 74.74 MM has Grown at 96.12%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Non Performing Loans (%)
Highest at 0.57%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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