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Savi Financial Corporation (SVVB)
:SVVB
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Savi Financial
(OTC:SVVB)
55Neutral
Savi Financial (SVVB) vs. S&P 500 (SPY)
Market Cap
$52.81M
Dividend YieldN/A
Average Volume (3M)109.00
Price to Earnings (P/E)―
Beta (1Y)0.38
Revenue Growth16.22%
EPS Growth-165.32%
CountryUS
Employees142
SectorFinancial
Sector Strength78
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.51
Shares Outstanding3,433,472
10 Day Avg. Volume107
30 Day Avg. Volume109
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
Price to Cash Flow (P/CF)N/A
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Savi Financial Business Overview & Revenue Model
Company DescriptionSavi Financial (SVVB) is a financial services company that operates primarily in the banking and lending sectors. It offers a range of financial products and services, including personal and business banking solutions, mortgage and loan products, as well as investment and wealth management services. Savi Financial is dedicated to providing personalized financial solutions designed to meet the specific needs of its clients, leveraging technology and expert advice to enhance customer experience and financial outcomes.
How the Company Makes MoneySavi Financial makes money through a diverse revenue model that encompasses several key streams. The company earns interest income from loans and mortgages provided to individuals and businesses, which is a primary source of revenue. Additionally, it generates fee income from various banking services, such as account maintenance fees, transaction fees, and service charges for specialized financial products. Savi Financial also benefits from investment and wealth management services, earning advisory and management fees from clients' investment portfolios. The company may have partnerships with other financial institutions to offer co-branded financial products, contributing to its earnings through shared revenue agreements or referral bonuses. These combined revenue streams, supported by a focus on customer service and technological advancements, drive Savi Financial's profitability.
Savi Financial Financial Statement Overview
Summary
Savi Financial is facing challenges with profitability and cash flow stability. Despite strong gross profit margins, the company suffers from operational inefficiencies and high debt levels, which threaten its financial health. The negative cash flow situation and reliance on debt financing further emphasize the need for improved cash flow management and debt reduction.Income Statement
Savi Financial has experienced fluctuating revenue with a recent decline from the previous year. The gross profit margin appears strong, but the net profit margin is weak due to a significant decrease in net income. The negative EBIT margin indicates operational inefficiencies.62
Positive
Balance Sheet
The company's debt-to-equity ratio is relatively high, suggesting a higher reliance on debt financing, which can be risky. However, the equity ratio shows that a portion of assets is financed by equity, providing some stability. Return on equity has decreased, reflecting reduced profitability.58
Neutral
Cash Flow
Savi Financial's cash flow situation is concerning, as both operating and free cash flows are negative, indicating potential liquidity issues. The company relies heavily on financing activities to support operations, which could pose risks if continued.45
Neutral
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 25.48M | 23.53M | 26.87M | 23.70M | 17.63M | 16.29M | Gross Profit |
| 25.48M | 32.15M | 26.87M | 23.70M | 17.63M | 16.29M | EBIT |
| 4.15M | -55.77K | 4.59M | 5.06M | 1.99M | 2.00M | EBITDA |
| 2.73M | 1.10M | 5.62M | 5.41M | 2.45M | 2.36M | Net Income Common Stockholders |
| 2.94M | 47.80K | 3.72M | 3.58M | 1.35M | 1.41M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 13.29M | 0.00 | -6.08M | 65.51M | 27.45M | 20.79M | Total Assets |
| 267.72M | 593.48M | 523.84M | 479.52M | 409.99M | 313.26M | Total Debt |
| 5.00M | 52.50M | 54.63M | 7.50M | 25.00M | 30.00M | Net Debt |
| -8.29M | 105.00M | 34.45M | -50.30M | -10.26M | 12.77M | Total Liabilities |
| 236.60M | 556.29M | 487.57M | 441.88M | 375.76M | 280.48M | Stockholders Equity |
| 31.12M | 37.19M | 36.28M | 37.58M | 34.23M | 32.79M |
| Cash Flow | Free Cash Flow | ||||
| 2.94M | -4.48M | -3.48M | 1.14M | 1.22M | -2.93M | Operating Cash Flow |
| 2.94M | -198.70K | -2.26M | 1.98M | 2.45M | 2.15M | Investing Cash Flow |
| 0.00 | -54.24M | -88.37M | -6.15M | -91.57M | -38.05M | Financing Cash Flow |
| 0.00 | 68.27M | 45.30M | 41.96M | 95.30M | 43.26M |
Savi Financial Technical Analysis
Positive
15.38
Price Trends
15.28
Positive
15.18
Positive
14.93
Positive
Market Momentum
0.02
Positive
54.45
Neutral
40.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SVVB, the sentiment is Positive. The current price of 15.38 is above the 20-day moving average (MA) of 15.34, above the 50-day MA of 15.28, and above the 200-day MA of 14.93, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 54.45 is Neutral, neither overbought nor oversold. The STOCH value of 40.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SVVB.
Savi Financial Peers Comparison
Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $469.70M | 12.89 | 7.60% | 1.16% | 18.62% | 26.65% | |
71 Outperform | $343.35M | 7.51 | 23.83% | 2.56% | 9.18% | 59.25% | |
69 Neutral | $179.99M | 9.89 | 14.14% | 2.95% | 9.65% | 1820.32% | |
63 Neutral | $12.86B | 9.17 | 9.14% | 4.78% | 16.41% | -10.11% | |
55 Neutral | $52.81M | ― | -4.63% | ― | 16.22% | -165.32% | |
55 Neutral | $133.56M | 9.98 | 7.80% | 2.69% | 5.41% | 7.23% | |
55 Neutral | $1.06B | 13.85 | 7.90% | 2.96% | 9.99% | 1.88% |
* Financial Sector Average
Performance Comparison
SVVB
Savi Financial
15.38
0.88
6.07%
CZWI
Citizens Community Bancorp
13.37
1.90
16.56%
HWBK
Hawthorn Bancshares
25.78
5.51
27.18%
FBMS
The First Bancshares
33.81
9.92
41.52%
SMBK
SmartFinancial
27.60
7.06
34.37%
BSVN
Bank7
36.34
9.34
34.59%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.