Savi Financial (SVVB) AI Stock Analysis

• Market Cap: $60.43M
• Dividend Yield: N/A
• Average Volume (3M): 408.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.30
• Revenue Growth: 15.76%
• EPS Growth: -2530.99%
• Country: US
• Employees: 142
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.34
• Shares Outstanding: 3,433,472
• 10 Day Avg. Volume: 735
• 30 Day Avg. Volume: 408
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.99
• Enterprise Value/Revenue: 3.35
• Enterprise Value/Gross Profit: 3.75
• Enterprise Value/Ebitda: -369.34
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 53 Neutral
• Price Target: ―

Savi Financial's overall score reflects significant financial challenges, including profitability and cash flow issues. While the technical outlook is moderately positive, valuation concerns due to a negative P/E ratio and absence of dividends weigh heavily on the stock's attractiveness. Strategic improvements are necessary to enhance financial health and investor sentiment.

Savi Financial Business Overview & Revenue Model

Company Description

Savi Financial (SVVB) is a financial services company specializing in providing a broad range of banking and financial solutions. The company operates in sectors including personal banking, commercial banking, and wealth management. Savi Financial offers core products and services such as savings and checking accounts, loans, credit cards, investment services, and financial advisory services.

How the Company Makes Money

Savi Financial makes money primarily through interest income generated from loans and credit products, which is a significant portion of its revenue. Additionally, the company earns money through fees associated with its financial services, including account maintenance fees, transaction fees, and advisory fees in its wealth management sector. Savi Financial also benefits from investments and partnerships that enhance its financial products offerings, contributing to its overall earnings.

Savi Financial Financial Statement Overview

Summary

Savi Financial faces significant challenges with profitability and cash flow, despite a strong cash position and low leverage. Revenue instability and negative net income are major concerns, requiring strategic improvements.

Income Statement

Savi Financial has experienced inconsistent revenue growth, with a recent decline from 2023 to 2024. The net profit margin is negative for 2024, indicating a loss-making year. Historically, EBIT margins have shown volatility, reflecting operational inefficiencies. The company's performance in generating revenue is unstable, and profitability remains a concern.

Balance Sheet

The balance sheet shows a strong cash position with no total debt in 2024, improving from past leverage. The equity ratio is relatively stable and positive, indicating a solid capital base. However, return on equity is negative due to the net loss, posing a challenge to shareholder returns.

Cash Flow

Savi Financial's free cash flow has improved in 2024 compared to earlier years but remains negative. Operating cash flow remains negative, indicating cash generation from operations is a concern. The free cash flow to net income ratio is unfavorable due to a net loss, highlighting cash flow challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	35.81M	23.15M	32.14M	26.87M	23.70M	17.63M
Gross Profit	32.04M	23.15M	23.28M	25.23M	21.61M	13.78M
EBITDA	-325.00K	0.00	1.10M	5.62M	5.45M	2.45M
Net Income	-1.75M	-1.20M	47.80K	3.72M	3.58M	1.35M
Balance Sheet
Total Assets	623.64M	634.21M	593.48M	523.84M	479.52M	409.99M
Cash, Cash Equivalents and Short-Term Investments	0.00	48.67M	34.02M	20.18M	65.51M	27.45M
Total Debt	52.50M	69.06M	70.06M	54.63M	7.50M	25.00M
Total Liabilities	585.76M	597.99M	556.29M	487.57M	441.88M	375.76M
Stockholders Equity	37.88M	36.22M	37.19M	36.28M	37.58M	34.23M
Cash Flow
Free Cash Flow	-1.54M	-2.31M	-4.48M	-3.48M	1.14M	1.22M
Operating Cash Flow	-1.54M	-1.82M	-198.70K	-2.26M	1.98M	2.45M
Investing Cash Flow	0.00	-25.57M	-54.24M	-88.37M	-6.15M	-91.57M
Financing Cash Flow	0.00	42.05M	68.27M	45.30M	41.96M	95.30M

Savi Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 17.6 is above the 20-day moving average (MA) of 16.56, above the 50-day MA of 16.17, and above the 200-day MA of 15.51, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 84.54 is Negative, neither overbought nor oversold. The STOCH value of 95.41 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SVVB.

Savi Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.80B	11.94	10.22%	3.74%	9.69%	1.17%
SSBI	58 Neutral	$78.82M	10.38	-1.64%	3.39%	-0.03%	-126.57%
BAFN	57 Neutral	$37.20M	5.22	8.93%	3.58%	7.07%	96.65%
CFSB	54 Neutral	$91.61M	―	>-0.01%	―	13.69%	77.14%
SVVB	53 Neutral	$60.43M	―	-3.27%	―	15.76%	-2530.99%
FSEA	―	$54.92M	―	-0.80%	―	―	―
TCBS	57 Neutral	$48.19M	20.72	4.50%	0.98%	13.47%	―