| Company Name: | Salisbury Bancorp, Inc. | | Ticker Symbol: | SAL | | | WWW Address: | www.salisbury-bank.com | | CEO: | Richard J. Cantele, Jr. | | No. of Employees: | 127 | | Common Issue Type: | CS | | Business Description: | A holding company for Salisbury Bank and Trust Company that provides a range of services, which include a complete menu of deposit services, multiple mortgage products and various other types of loans for both business and personal needs.
|
| | | Industry Information: | BANKING - Savings & Loans [more like this] |
|
| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 22.91 |  0.1601 | 22.51 | 23.31 | 22.7 | 23.05 | 22.40 | 500 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 38.9 | 1.7 | 0.31 | 0.66 | 1.11 | 17.0 | 4.9 | 27.88 - 17.55 |
|
| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 22.75 | $ | | PE Ratio - LTM | 17.0 | |
| Market Capitalisation | 38.4 | mil |
| Latest Shares Outstanding | 1.7 | mil |
| Earnings pS (EPS) | 0.66 | $ |
| Dividend pS (DPS) | 1.11 | ¢ |
| Dividend Yield | 4.9 | % |
| Dividend Payout Ratio | 168 | % |
| Revenue per Employee | 250,028 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 1.5 | mil |
| Float as % of Shares Outstanding | 87.7 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 37.7 | % |
| Pre-Tax Profit Margin | -8.6 | % |
| Assets Turnover | 14.7 | % |
| Return on Assets (ROA) | -55.9 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -244.1 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 10.8 | |
| Interest Cover | 0.7 | |
| Total Debt/Equity (Gearing Ratio) | 1.46 | |
| LT Debt/Total Capital | 59.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 31.11 | $ |
| Tangible Book-Value pS | 24.67 | $ |
| Cash Flow pS | -187.07 | $ |
| Free Cash Flow pS | -9.45 | $ |
 |
| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.73 | |
| Price/Tangible Book Ratio | 0.92 | |
| Price/Cash Flow | -0.1 | |
| Price/Free Cash Flow | -2.4 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/11/2009 |
| Dividend Ex-Date | 10/20/2009 |
| Dividend Record Date | 10/22/2009 |
| Dividend Pay Date | 11/05/2009 |
| Dividend Amount | 280 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.12 |
| Current Dividend Yield | 4.9 |
| 5-Y Average Dividend Yield | 3.2 |
| Payout Ratio | 168.0 |
| 5-Y Average Payout Ratio | 66.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | |
| |
| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -1.7 | 97 | 9 | 20 |
| 4 Weeks | 24.98 | 22.40 | 24.61 | -7.6 | 87 | 17 | 288 |
| 13 Weeks | 25.82 | 22.40 | 25.45 | -10.6 | 83 | 15 | 908 |
| 26 Weeks | 27.88 | 20.88 | 22.46 | 1.3 | 84 | 16 | 2,023 |
| 52 Weeks | 27.88 | 17.55 | 24.75 | -8.1 | 74 | 16 | 4,005 |
| YTD | 27.88 | 17.55 | - | 3.2 | 84 | 15 | 3,424 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 23.16 | 23.48 | 24.23 | 24.15 | 23.80 | 0.31 | 0.33 |
|
| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 99.64 | 42.0 | 265.76 |
| Income | -19.25 | 53.6 | -26.79 |
| Dividend | 0.24 | 0.2 | -3.68 |
| Capital Spending | -8.79 | NA | 16.76 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 7.2 | 48.3 | 3.7 |
| Earnings % | 800.0 | 0.0 | -70.9 |
| EPS % | 800.0 | 0.0 | -70.8 |
| EPS $ | 0.72 | 1.46 | -1.60 |
|
| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -3.80 |
| Free Cash Flow Margin 5YEAR AVG | -2.15 |
| Cash-Flow pS | 1.05 |
| Free Cash-Flow pS | -0.60 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 12.73 |
| Debt Ratio | 92.15 |
| Total Debt/Equity (Gearing Ratio) | 2.26 |
| LT Debt/Equity | 2.26 |
| LT Debt/Capital Invested | 69.30 |
| LT Debt/Total Liabilities | 19.24 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.08 |
| Current P/E Ratio - LTM | 17.00 |
| Enterprise Value (EV)/EBITDA | 0.00 |
| Enterprise Value (EV)/Free Cash Flow | 3.71 |
| Dividend Yield | 4.9 |
| Price/Tangible Book Ratio - LTM | 0.92 |
| Price/Book Ratio - LTM | 0.73 |
| Price/Cash Flow Ratio | -0.1 |
| Price/Free Cash Flow Ratio - LTM | -2.4 |
| P/E Ratio (1 month ago) - LTM | 18.8 |
| P/E Ratio (26 weeks ago) - LTM | 34.6 |
| P/E Ratio (52 weeks ago) - LTM | 35.9 |
| 5-Y High P/E Ratio | 52.0 |
| 5-Y Low P/E Ratio | 13.1 |
| 5-Y Average P/E Ratio | 18.8 |
| Current P/E Ratio as % of 5-Y Average P/E | 91 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 24.67 |
| Book Value pS - LTM | 31.11 |
| Capital Invested pS | 75.21 |
| Cash Flow pS - LTM | -187.07 |
| Free Cash Flow pS - LTM | -9.45 |
| Earnings pS (EPS) | 0.66 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 2.84 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.4 |
| Return on Capital Invested (ROCI) | 0.87 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 2.9 |
| Return on Assets (ROA) | 0.22 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.8 |
| EBIT Margin - LTM | 21.3 |
| EBITDA Margin - LTM | 37.7 |
| Pre-Tax Profit Margin | 23.14 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 37.25 |
| Net Profit Margin | 7.03 |
| Net Profit Margin - 5YEAR AVRG. | 27.51 |
| Effective Tax Rate | -11.57 |
| Effective Tax Rate - 5YEAR AVRG. | 13.63 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 60,921,832 |
| Net Income per Employee - LTM | -2,484,489 |
| Assets/Revenue - LTM | 7.30 |
| Assets/Revenue - 5YEAR AVRG. | 3,357.77 |
|
|  
|