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Salisbury Bancorp, Inc. SAL NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Salisbury Bancorp, Inc. (SAL) is a Banks - Regional company in the Financial Services sector, currently trading at $27.88. It has a SharesGrow Score of 75/100, indicating a strong investment profile with 5 out of 7 criteria passed.

Financials: revenue is $56M, +9.5%/yr average growth. Net income is $16M, growing at +13.8%/yr. Net profit margin is 28.2% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $39M against $128M equity (Debt-to-Equity (D/E) ratio 0.3, conservative). Current ratio is 146.35 (strong liquidity). Debt-to-assets is 2.5%. Total assets: $1.5B.

Analyst outlook: 1 / 2 analysts rate SAL as buy (50%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 83/100 (Pass), Moat 46/100 (Partial), Future 40/100 (Partial), Income 85/100 (Pass).

SAL SharesGrow Score Overview

75/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 83/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 40/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SAL

SAL trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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SAL: +9.5%/yr revenue is, +13.8%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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SAL: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet SAL: Debt-to-Equity (D/E) ratio 0.3 (conservative), Current ratio is 146.35 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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SAL: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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Analyst outlook: 1 / 2 analysts rate SAL as buy (50%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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SAL: Net profit margin is 28.2%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range19.89-32.79

Volume27.63K

Avg Volume (30D)10.23K

Market Cap$161.9M

Beta (1Y)0.60

Dividend Yield$0.4800

Share Statistics

EPS (TTM)2.82

Shares Outstanding$5.67M

IPO Date1998-08-25

Employees174

CEORichard J. Cantele Jr.

Financial Highlights & Ratios

Revenue (TTM)$56.37M

Gross Profit$56.37M

Net Income$15.87M

Operating Income$24.39M

Total Cash$237.95M

Total Debt$38.92M

Net Debt$-11.62M

Total Assets$1.54B

Price / Earnings (P/E)9.9

Price / Sales (P/S)2.87

Analyst Forecast

Rating ConsensusBuy

Analysts Covering2

Buy 50% Hold 50% Sell 0%

Company Info

CountryUS

ExchangeNASDAQ Capital Marke

CurrencyUSD

ISINUS7952261094

Price Chart

SAL

Salisbury Bancorp, Inc. ↗ · NASDAQ Capital Marke

Financial Services • Banks - Regional

19.89 52WK RANGE 32.79

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