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Last Update: 2023-10-04 11:36:20
SALISBURY BANCORP INC. ( SAL ) https://www.salisburybank.com
27.88USD
Sector:
Financial Services
Industry:
Banks-Regional
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
14.73%
SAL
14.08%
SPY
36.71%
-2.58%
SAL
SPY
70.96%
-20.48%
SAL
SPY
262.36%
SAL
72.42%
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
161.90
-20.78
0.03
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
10.88
2.95
1.22
18.77
2.30
-0.69
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
55.67
100.00
57.29
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
6.9408
2.33
1.98
0.68
Other Earnings and Cash Flow Stats:
SALISBURY BANCORP INC. ( SAL ) Net Income TTM ($MM) is 15.71
SALISBURY BANCORP INC. ( SAL ) Operating Income TTM ($MM) is 25.08
SALISBURY BANCORP INC. ( SAL ) Owners' Earnings Annual ($MM) is 14.73
SALISBURY BANCORP INC. ( SAL ) Current Price to Owners' Earnings ratio is 19.35
SALISBURY BANCORP INC. ( SAL ) EBITDA TTM ($MM) is 25.27
SALISBURY BANCORP INC. ( SAL ) EBITDA Margin is 57.29%
Capital Allocation:
SALISBURY BANCORP INC. ( SAL ) has paid 0.64 dividends per share and bought back -0.094119 million shares in the past 12 months
SALISBURY BANCORP INC. ( SAL ) has reduced its debt by 0.097999999999999 million USD in the last 12 months
Capital Structure:
SALISBURY BANCORP INC. ( SAL ) Interest-bearing Debt ($MM) as of last quarter is 48
SALISBURY BANCORP INC. ( SAL ) Annual Working Capital Investments ($MM) are -371
SALISBURY BANCORP INC. ( SAL ) Book Value ($MM) as of last quarter is 133
SALISBURY BANCORP INC. ( SAL ) Debt/Capital as of last quarter is 36%
Other Balance Sheet Stats:
SALISBURY BANCORP INC. ( SAL ) has 54 million in cash on hand as of last quarter
SALISBURY BANCORP INC. ( SAL ) has 7 million of liabilities due within 12 months, and long term debt 89 as of last quarter
SALISBURY BANCORP INC. ( SAL ) has 5 common shares outstanding as of last quarter
SALISBURY BANCORP INC. ( SAL ) has 16 million USD of preferred stock value
Academic Scores:
SALISBURY BANCORP INC. ( SAL ) Altman Z-Score is 0.44 as of last quarter
SALISBURY BANCORP INC. ( SAL ) Piotroski Score is 4.00 as of last quarter
Corporate Governance:
SALISBURY BANCORP INC. ( SAL ) largest shareholder is Bank of New York Mellon Corp owning 26387 shares at 0.74 ($MM) value
Steven M. Essex(an insider) Sold 700 shares of SALISBURY BANCORP INC. ( SAL ) for the amount of $36484.00 on 2022-06-08
8.21% of SALISBURY BANCORP INC. ( SAL ) is held by insiders, and 27.93% is held by institutions
SALISBURY BANCORP INC. ( SAL ) went public on 1998-08-03
Other SALISBURY BANCORP INC. ( SAL ) financial metrics:
FCF:24.44
Unlevered Free Cash Flow:385.33
EPS:2.38
Operating Margin:55.67
Gross Profit Margin:100.00
Div. Payout Ratio%:24.57
Div. Growth YoY%:1.59
Equity Return%:10.24
Beta:0.68
Buffet's Owners Earnings:14.73
Price to Owner's Earnings:19.35
About SALISBURY BANCORP INC. ( SAL ) :
Salisbury Bancorp, Inc. operates as the bank holding company for Salisbury Bank and Trust Company that provides commercial banking, consumer financing, retail banking, and trust and wealth advisory services. It offers various retail and commercial deposit products. The company also provides loans, such as residential and commercial real estate loans; construction loans; commercial loans, such as working capital, equipment financing, financing for leasehold improvements, and financing for expansion; and consumer loans, including home equity loans and lines of credit, collateral loans, and auto and personal installment loans. In addition, it offers a range of fiduciary services, including trust and estate administration, wealth advisory, and investment management services to individuals, families, businesses, and institutions. Further, the company provides additional depositor related services consisting of landlord/tenant lease security accounts and services, merchant services, payroll services, ATM services, bank-by-phone services, Internet banking services, Internet bill pay services, person to person payments, bank to bank transfers, mobile banking services with remote deposit, and online financial management with account aggregation services, as well as cash management services, including remote deposit capture, ACH origination, wire transfers, and positive pay services. Salisbury Bancorp, Inc. was founded in 1848 and is headquartered in Lakeville, Connecticut.
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