SAL · Salisbury Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.28M | $4.11M | $4.02M | $4.02M | $4.54M | $3.38M |
| Operating Income | $19.41M | $20.74M | $14.39M | $13.49M | $10.53M | $9.27M |
| Interest Expense | $4.97M | $3.45M | $5.29M | $9.30M | $7.22M | $3.85M |
| Income Tax | $3.54M | $4.27M | $2.45M | $2.36M | $1.71M | $2.59M |
| Net Income | $15.87M | $16.47M | $11.94M | $11.14M | $8.82M | $6.68M |
| EPS - Basic | $2.75 | $5.77 | $4.21 | $3.95 | $3.15 | $2.43 |
| EPS - Diluted | $2.74 | $5.72 | $4.20 | $3.93 | $3.13 | $2.41 |
Balance Sheet
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $50.54M | $175.34M | $93.16M | $26.89M | $58.45M | $36.10M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.54B | $1.53B | $1.29B | $1.11B | $1.12B | $986.98M |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.41B | $1.39B | $1.17B | $998.79M | $1.02B | $889.47M |
| Stockholders' Equity | $128.35M | $136.60M | $124.75M | $113.66M | $103.46M | $97.51M |
| Retained Earnings | $102.18M | $90.00M | $76.97M | $68.32M | $60.34M | $54.66M |
Cash Flow
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $27.45M | $18.05M | $13.80M | $14.33M | $13.28M | $11.27M |
| Investing Cash Flow | ($168.74M) | ($153.21M) | ($114.02M) | ($23.38M) | ($118.14M) | ($74.00M) |
| Financing Cash Flow | $16.49M | $217.33M | $166.50M | ($22.52M) | $114.82M | $36.10M |
| CapEx | $849.0K | $2.31M | $4.37M | $2.06M | $1.39M | $1.28M |
| Free Cash Flow | $26.60M | $15.73M | $9.44M | $12.28M | $11.88M | $9.99M |
Ratios
| Metric | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.68 | 0.96 | 0.79 | 1.10 | 1.35 | 1.49 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 18.2% | 20.6% | 17.0% | 17.5% | 16.2% | 27.9% |
| Return on assets | 1.0% | 1.1% | 0.9% | 1.0% | 0.8% | 0.7% |
| Return on equity | 12.4% | 12.1% | 9.6% | 9.8% | 8.5% | 6.9% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 3.9x | 6.0x | 2.7x | 1.5x | 1.5x | 2.4x |
| Equity multiplier | 12.01 | 11.19 | 10.37 | 9.79 | 10.84 | 10.12 |
| Liabilities / Assets | 0.92 | 0.91 | 0.90 | 0.90 | 0.91 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -6.4% | 44.1% | 6.7% | 28.1% | 13.6% | - |
| Net income growth (YoY) | -3.6% | 38.0% | 7.2% | 26.2% | 32.0% | - |
| EPS growth (YoY) | -52.1% | 36.2% | 6.9% | 25.6% | 29.9% | - |
| EPS CAGR (3y) | -11.3% | 22.3% | 20.3% | - | - | - |
| EPS CAGR (5y) | 2.6% | - | - | - | - | 1.1% |
| FCF growth (YoY) | 69.0% | 66.7% | -23.1% | 3.3% | 19.0% | - |
| FCF CAGR (5y) | 21.6% | - | - | - | - | 8.2% |
| Book value growth (YoY) | -6.0% | 9.5% | 9.8% | 9.9% | 6.1% | - |
Stability scores
Piotroski F-score
FY 2022 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- -No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing SALISBURY BANCORP against the 5 most active filers in the same SIC group.