$2.59 0.18 (+7.46%)
11/27/2009 11:47 AM

Severn Bancorp, Inc. (SVBI)

CAPS Rating: No stars

A savings and loan holding company, which conducts business through three subsidiaries: Severn Savings Bank, FSB, Louis Hyatt, Inc. and SBI Mortgage Company.

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Member Avatar kash88888 (59.39) Submitted: 4/25/2007 6:44:37 PM : Outperform Start Price: $16.49 SVBI Score: -61.79

solid regional bank stock

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Member Avatar FoolforSilver (98.28) Submitted: 4/5/2007 4:44:57 PM : Outperform Start Price: $17.81 SVBI Score: -65.54

Very reasonable valuation. Insiders hold a large chunk of the stock (about 45%). This is a good sign that the insiders have confidence in their own company.

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Member Avatar pencils2 (99.65) Submitted: 1/14/2007 12:43:58 PM : Outperform Start Price: $17.82 SVBI Score: -66.75

Most regional banks have a P/E of 13-15, not 10.5 like SVBI. SVBI has strong margins and strong ROE and ROA, insiders own 44.16% of the company (4.07 million shares), and the company was founded in 1946. There's no reason this bank should be trading at a P/E of 10.5, they have very good numbers that are much better than most regional banks. No analysts are following the stock, which is why the P/E is so low. When they find it, it will go up. The industry average P/E is 17, and SBVI has far better numbers than the industry average. I see it easily outperforming the S&P over the next couple years.

Cash flow is a questionable area here, but so far the company has been producing nicely. It has been inconsistent though, so I see that as the main risk here.

The balance sheet isn't great, but it is strong enough so the company can handle some problems.

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