SMMF

Summit Financial Group, Inc.

Financial Services

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Price alert · SMMF

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25.70 0.00 0.00%
As of May 2, 2024
25.36 Day range 26.42

52-week range unavailable

Open
26.40
Prev close
25.70
Mkt cap
377.45M
Vol
270.69K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
3.42%
More statistics
Low
25.36
High
26.42
Forward P/E
6.42
Beta
0.40
Short ratio
1.97
Inst. own
42.10%
Dividend
0.88
Ex-div date
Mar 13, 2024
Earnings
Apr 25, 2024
50-d avg
26.24
200-d avg
25.43
1y target
30.00

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 8.0×
FY 2014: 9.3×FY 2015: 7.6×FY 2016: 17.0×FY 2017: 26.3×FY 2018: 8.5×FY 2019: 10.6×FY 2020: 9.1×FY 2021: 7.9×FY 2022: 6.1×FY 2023: 8.0×
FY 2014 5y median 8.0× FY 2023
P/S 1.7×
FY 2014: 1.9×FY 2015: 2.1×FY 2016: 4.8×FY 2017: 3.9×FY 2018: 2.8×FY 2019: 3.6×FY 2020: 2.5×FY 2021: 2.8×FY 2022: 2.2×FY 2023: 1.7×
FY 2014 5y median 2.5× FY 2023
P/B 1.0×
FY 2014: 0.7×FY 2015: 0.9×FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 0.9×FY 2023: 1.0×
FY 2014 5y median 1.0× FY 2023
P/FCF 6.6×
FY 2014: 3.9×FY 2015: 5.8×FY 2016: 13.8×FY 2017: 17.2×FY 2018: 7.2×FY 2019: 10.7×FY 2020: 7.9×FY 2021: 6.2×FY 2022: 4.8×FY 2023: 6.6×
FY 2014 5y median 6.6× FY 2023
EV/EBITDA 4.8×
FY 2014: 10.0×FY 2015: 10.2×FY 2016: 5.3×FY 2017: 4.7×FY 2018: 3.4×FY 2019: 3.6×FY 2020: 2.6×FY 2021: 3.3×FY 2022: 2.5×FY 2023: 4.8×
FY 2014 5y median 3.3× FY 2023
EV/Sales 3.1×
FY 2014: 6.1×FY 2015: 6.6×FY 2016: 8.8×FY 2017: 7.1×FY 2018: 5.9×FY 2019: 5.3×FY 2020: 3.3×FY 2021: 4.2×FY 2022: 4.3×FY 2023: 3.1×
FY 2014 5y median 4.2× FY 2023
FCF Yield 15.3%
FY 2014: 25.6%FY 2015: 17.2%FY 2016: 7.3%FY 2017: 5.8%FY 2018: 13.8%FY 2019: 9.4%FY 2020: 12.6%FY 2021: 16.1%FY 2022: 21.0%FY 2023: 15.3%
FY 2014 5y median 15.3% FY 2023

Profitability

Gross Margin 100.0%
FY 2014: 100.0%FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%
FY 2014 5y median 100.0% FY 2023
Operating Margin -1.5%
FY 2014: 59.3%FY 2015: 61.9%FY 2016: 67.6%FY 2017: 51.8%FY 2018: 70.8%FY 2019: 41.9%FY 2020: 34.2%FY 2021: 45.0%FY 2022: 67.3%FY 2023: -1.5%
FY 2014 5y median 41.9% FY 2023
Net Margin 21.0%
FY 2014: 21.5%FY 2015: 27.8%FY 2016: 28.1%FY 2017: 14.8%FY 2018: 32.7%FY 2019: 33.7%FY 2020: 27.6%FY 2021: 35.9%FY 2022: 36.9%FY 2023: 21.0%
FY 2014 5y median 33.7% FY 2023
ROE 12.5%
FY 2014: 8.6%FY 2015: 11.2%FY 2016: 11.1%FY 2017: 5.9%FY 2018: 12.8%FY 2019: 12.9%FY 2020: 11.1%FY 2021: 14.0%FY 2022: 15.0%FY 2023: 12.5%
FY 2014 5y median 12.9% FY 2023
ROIC -0.2%
FY 2014: 1.5%FY 2015: 1.7%FY 2016: 1.6%FY 2017: 1.1%FY 2018: 2.2%FY 2019: 4.6%FY 2020: 3.5%FY 2021: 4.0%FY 2022: 13.2%FY 2023: -0.2%
FY 2014 5y median 4.0% FY 2023
ROA 1.2%
FY 2014: 0.8%FY 2015: 1.1%FY 2016: 1.0%FY 2017: 0.6%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.4%FY 2023: 1.2%
FY 2014 5y median 1.3% FY 2023

Growth (YoY)

Revenue 82.6%
FY 2014: 6.6%FY 2015: 9.7%FY 2016: 6.3%FY 2017: 31.2%FY 2018: 6.2%FY 2019: 10.2%FY 2020: 20.0%FY 2021: 12.5%FY 2022: 13.1%FY 2023: 82.6%
FY 2014 FY 2023
Operating Income -104.0%
FY 2014: 7.0%FY 2015: 14.7%FY 2016: 16.0%FY 2017: 0.6%FY 2018: 45.1%FY 2019: -34.8%FY 2020: -2.1%FY 2021: 48.1%FY 2022: 69.1%FY 2023: -104.0%
FY 2014 FY 2023
EPS (diluted) -6.6%
FY 2014: 39.0%FY 2015: 40.2%FY 2016: 7.3%FY 2017: -37.9%FY 2018: 126.0%FY 2019: 11.9%FY 2020: -4.7%FY 2021: 44.0%FY 2022: 17.6%FY 2023: -6.6%
FY 2014 FY 2023
Free Cash Flow -0.1%
FY 2014: -8.7%FY 2015: -16.1%FY 2016: 1.4%FY 2017: -14.8%FY 2018: 81.3%FY 2019: -3.8%FY 2020: 13.7%FY 2021: 59.0%FY 2022: 16.2%FY 2023: -0.1%
FY 2014 FY 2023

Financial Health

Current Ratio 0.0×
FY 2014: 9.3×FY 2015: 7.0×FY 2016: 6.5×FY 2017: 7.0×FY 2018: 6.0×FY 2019: 1.7×FY 2020: 2.8×FY 2021: 3.5×FY 2022: 2.1×FY 2023: 0.0×
FY 2014 5y median 2.1× FY 2023
Quick Ratio 0.0×
FY 2014: 9.3×FY 2015: 7.0×FY 2016: 6.5×FY 2017: 7.0×FY 2018: 6.0×FY 2019: 2.2×FY 2020: 2.8×FY 2021: 3.5×FY 2022: 2.1×FY 2023: 0.0×
FY 2014 5y median 2.2× FY 2023
Debt / Equity 1.0×
FY 2014: 1.8×FY 2015: 1.9×FY 2016: 1.9×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 1.0×
FY 2014 5y median 0.9× FY 2023
Net Debt / EBITDA 2.3×
FY 2014: 7.0×FY 2015: 6.9×FY 2016: 2.4×FY 2017: 2.1×FY 2018: 1.8×FY 2019: 1.1×FY 2020: 0.6×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 2.3×
FY 2014 5y median 1.1× FY 2023
Interest Coverage -0.3×
FY 2014: 2.1×FY 2015: 2.8×FY 2016: 2.8×FY 2017: 2.3×FY 2018: 2.4×FY 2019: 1.3×FY 2020: 2.0×FY 2021: 4.6×FY 2022: 3.3×FY 2023: -0.3×
FY 2014 5y median 2.0× FY 2023

Dividends

Dividend Yield 2.9%
FY 2014: 0.8%FY 2015: 2.9%FY 2016: 1.5%FY 2017: 1.7%FY 2018: 2.7%FY 2019: 2.2%FY 2020: 3.1%FY 2021: 2.7%FY 2022: 3.3%FY 2023: 2.9%
FY 2014 5y median 2.9% FY 2023
Payout Ratio 23.3%
FY 2014: 6.8%FY 2015: 21.9%FY 2016: 24.7%FY 2017: 44.0%FY 2018: 23.3%FY 2019: 23.1%FY 2020: 28.0%FY 2021: 21.0%FY 2022: 19.9%FY 2023: 23.3%
FY 2014 5y median 23.1% FY 2023

Annual · latest fiscal year ends 2023-12-31