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CoverageForm 410-K10-Q8-K13D13G13F

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.
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AnnualQuarterly

Income Statement

Line itemQ2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21Q3 '21Q2 '21Q1 '21
Revenue----------
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A$1.08M$1.10M-$1.12M$973.0K$1.10M-$1.06M$1.02M$954.0K
Operating Income$3.90M$3.77M-$5.33M$4.54M$4.38M-$4.32M$5.53M$5.77M
Interest Expense$6.04M$3.80M-$1.17M$857.0K$812.0K-$836.0K$1.06M$746.0K
Income Tax$497.0K$752.0K-$994.0K$692.0K$816.0K-$868.0K$1.17M$1.25M
Net Income$3.40M$3.02M-$4.34M$3.85M$3.57M-$3.45M$4.35M$4.53M
EPS - Basic$0.59$0.52-$0.75$0.67$1.24-$1.21$1.53$1.59
EPS - Diluted$0.59$0.52-$0.75$0.66$1.23-$1.20$1.52$1.59

Balance Sheet

Line itemQ2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21Q3 '21Q2 '21Q1 '21
Cash & Equivalents$54.06M$49.84M$50.54M$56.30M$71.47M$98.86M$175.34M$166.29M$179.83M$159.20M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$1.56B$1.57B$1.54B$1.51B$1.50B$1.47B$1.53B$1.48B$1.44B$1.40B
Current Liabilities----------
Long-term Debt----------
Total Liabilities$1.43B$1.43B$1.41B$1.39B$1.37B$1.34B$1.39B$1.34B$1.30B$1.28B
Stockholders' Equity$133.06M$132.35M$128.35M$123.16M$127.30M$130.07M$136.60M$133.53M$131.71M$127.24M
Retained Earnings$105.85M$103.37M$102.18M$98.98M$95.57M$92.65M$90.00M$86.74M$84.17M$80.67M

Cash Flow

Line itemQ2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21Q3 '21Q2 '21Q1 '21
Operating Cash Flow-$2.98M---$5.46M---$6.39M
Investing Cash Flow-($23.23M)---($24.55M)---($46.38M)
Financing Cash Flow-$19.57M---($57.39M)---$106.02M
CapEx-$3.0K---$343.0K---$839.0K
Free Cash Flow-$2.97M---$5.12M---$5.55M

Ratios

MetricQ2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21Q3 '21Q2 '21Q1 '21
Profitability
Gross margin----------
Operating margin----------
EBITDA margin----------
Net margin----------
Free cash flow margin----------
FCF / Net income-0.98---1.43---1.23
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate12.7%19.9%-18.6%15.3%18.6%-20.1%21.2%21.6%
Return on assets0.2%0.2%-0.3%0.3%0.2%-0.2%0.3%0.3%
Return on equity2.6%2.3%-3.5%3.0%2.7%-2.6%3.3%3.6%
Return on invested capital----------
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity----------
Debt / Assets----------
Debt / EBITDA----------
Interest coverage0.6x1.0x-4.6x5.3x5.4x-5.2x5.2x7.7x
Equity multiplier11.7111.8312.0112.2811.7611.2611.1911.0610.9111.03
Liabilities / Assets0.910.920.920.920.910.910.910.910.910.91
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)-14.0%-14.0%-23.4%-17.9%-24.1%--17.9%65.5%141.6%
Net income growth (YoY)-11.4%-15.4%-25.6%-11.7%-21.2%--20.7%59.2%121.1%
EPS growth (YoY)-10.6%-57.7%--37.5%-56.6%-22.6%--21.6%58.3%120.8%
EPS CAGR (3y)-15.0%-10.3%--10.6%-11.4%12.7%-13.1%31.4%40.0%
EPS CAGR (5y)-2.5%-2.2%-4.6%------
FCF growth (YoY)--41.9%----7.9%---245.7%
FCF CAGR (5y)-5.8%--------
Book value growth (YoY)4.5%1.8%-6.0%-7.8%-3.3%2.2%9.5%9.2%11.2%9.6%

Peer comparison

Same SIC group: Savings Institution, Federally Chartered

CompanyRevenue (last FY)Net marginROE
CLBK$580.0K8925.2%4.5%
AX$65.79M658.0%16.1%
WNEB--6.2%
PFS$73.11M398.3%10.3%
TFSL--4.8%

Comparing SALISBURY BANCORP against the 5 most active filers in the same SIC group.