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Ticker
SMMF

Price
-
Stock movement down
-0.66 (-2.50%)
Company name
Summit Financial Group Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
377.45M
Ent value
4.54B
Price/Sales
1.62
Price/Book
0.83
Div yield
3.42%
Div growth
9.65%
Growth years
6
FCF payout
19.53%
Trailing P/E
6.49
Forward P/E
6.42
PEG
0.81
EPS growth
11.40%
1 year return
37.58%
3 year return
-0.45%
5 year return
-0.19%
10 year return
8.97%
Last updated: 2024-12-17

DIVIDENDS

Dividend yield - 5y

Dividend yield data
Dividend per share0.88
Dividend yield3.42%
Payout frequencyQuarterly
Maximum yield4.82%
Average yield3.14%
Minimum yield2.21%
Discount to avg yield8.31%
Upside potential9.07%
Yield as % of max yield71.10%

Yield distribution (inverse percentile) - 5y

Yield distribution data
Dividend yield3.42%
Current yield distribution28.49%
Yield at 100% (Min)2.21%
Yield at 90%2.36%
Yield at 80%2.61%
Yield at 50% (Median)3.00%
Yield at 20%3.81%
Yield at 10%4.15%
Yield at 0% (Max)4.82%

Dividend per share

Dividend per share data
Years of growth6 years
CCC statusDividend Challenger
Dividend per share0.88
Payout frequencyQuarterly
Ex-div date14 Mar 2024
EPS (TTM)3.94
EPS (1y forward)4.00
EPS growth (5y)11.40%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
SMMFS&P500
DGR MR10.00%-13.74%
DGR TTM10.26%6.60%
DGR 3 years7.30%5.24%
DGR 5 years9.65%5.40%
DGR 10 years-7.07%
DGR 15 years5.81%6.12%
Time since last change announced599 days
EPS growth (5y)11.40%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM23.24%19.53%
Average23.33%16.17%
Forward22.00%-

VALUATION

Valuation Ratios

Valuation Ratios data
Trailing P/E6.49
Price to OCF4.99
Price to FCF5.45
Price to EBITDA10.63
EV to EBITDA127.90

Valuation (Sales/Book Value)

Valuation (Sales/Book Value) data
Price to Sales1.62
Price to Book0.83
EV to Sales19.48

FINANCIALS

Per share

Per share data
Current share count14.69M
EPS (TTM)3.94
FCF per share (TTM)4.69

Income statement

Income statement data
Revenue (TTM)233.24M
Gross profit (TTM)233.24M
Operating income (TTM)79.06M
Net income (TTM)58.19M
EPS (TTM)3.94
EPS (1y forward)4.00

Margins

Margins data
Gross margin (TTM)100.00%
Operating margin (TTM)33.90%
Profit margin (TTM)24.95%

Balance Sheet

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Balance Sheet data
Cash23.71M
Net receivables20.24M
Total current assets79.33M
Goodwill56.03M
Intangible assets17.41M
Property, plant and equipment0.00
Total assets4.64B
Accounts payable0.00
Short/Current long term debt386.48M
Total current liabilities867.88M
Total liabilities4.19B
Shareholder's equity454.28M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)75.66M
Capital expenditures (TTM)6.42M
Free cash flow (TTM)69.24M
Dividends paid (TTM)13.52M

Financial returns

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Financial returns data
Return on Equity12.81%
Return on Assets1.25%
Return on Invested Capital8.12%
Cash Return on Invested Capital9.66%

STOCK INFORMATION

Downside potential

Downside potential data
SMMFS&P500
Current price drop from All-time high-28.61%-3.47%
Highest price drop-93.86%-56.47%
Date of highest drop7 Nov 20119 Mar 2009
Avg drop from high-45.70%-11.07%
Avg time to new high35 days12 days
Max time to new high4549 days1805 days
COMPANY DETAILS
SMMF (Summit Financial Group Inc) company logo
Marketcap
377.45M
Marketcap category
Small-cap
Description
Summit Financial Group, Inc. operates as a financial holding company for Summit Community Bank, Inc. that provides community banking and other financial services to individuals and businesses primarily in the Eastern Panhandle, Southern and North Central regions of West Virginia and the Northern, Shenandoah Valley, and Southwestern regions of Virginia, and the Central region of Kentucky. Its community banking services include demand, savings, and time deposits; commercial, commercial real estate, construction and land development, residential real estate, and consumer loans; and mortgage warehouse lines of credit, as well as trust and wealth management, cash management, and insurance services. Summit Financial Group, Inc. was incorporated in 1987 and is headquartered in Moorefield, West Virginia.
Employees
496
Website
https://www.summitfgi.com
Investor relations
SEC filings
SMMF SEC filings
CEO
H. Charles Maddy
Country
USA
City
Moorefield
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
UNDERSTAND THE BUSINESS
COMPANY NEWS
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Disclaimer
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