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Summit Financial Group, Inc. SMMF NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
73/100
4/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Summit Financial Group, Inc. (SMMF) is a Banks - Regional company in the Financial Services sector, currently trading at $25.70. It has a SharesGrow Score of 73/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $263M, +36.1%/yr average growth. Net income is $55M, growing at +22.1%/yr. Net profit margin is 21% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $436M against $440M equity (Debt-to-Equity (D/E) ratio 0.99, moderate). Current ratio is 0.02 (tight liquidity). Debt-to-assets is 9.4%. Total assets: $4.6B.

Analyst outlook: 2 / 3 analysts rate SMMF as buy (67%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 54/100 (Partial), Future 55/100 (Partial), Income 85/100 (Pass).

SMMF SharesGrow Score Overview

73/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 100/100
Valuation — P/E, PEG, Forward PEG
GROWTH 100/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 17/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 54/100
Gross margin is + market cap
FUTURE 55/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SMMF

✓
VALUE Pass
100/100
SMMF 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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✓
GROWTH Pass
100/100
SMMF: +36.1%/yr revenue is, +22.1%/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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✓
PAST Pass
100/100
SMMF: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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✗
HEALTH Fail
17/100
Balance sheet SMMF: Debt-to-Equity (D/E) ratio 0.99 (moderate), Current ratio is 0.02 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
54/100
SMMF: 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 54/100. ≥ 70 = Pass.
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~
FUTURE Partial
55/100
Analyst outlook: 2 / 3 analysts rate SMMF as buy (67%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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✓
INCOME Pass
85/100
SMMF: Net profit margin is 21%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range17.06-31.49
Volume270.69K
Avg Volume (30D)24.3K
Market Cap$377.45M
Beta (1Y)0.40
Dividend Yield$0.8800
Share Statistics
EPS (TTM)3.82
Shares Outstanding$14.21M
IPO Date2000-01-07
Employees496
CEOH. Charles Maddy III
Financial Highlights & Ratios
Revenue (TTM)$263.34M
Gross Profit$263.34M
EBITDA$169.6M
Net Income$55.24M
Operating Income$-3.85M
Total Cash$-21.83M
Total Debt$435.89M
Net Debt$383.65M
Total Assets$4.63B
Price / Earnings (P/E)6.7
Price / Sales (P/S)1.43
Analyst Forecast
Rating ConsensusBuy
Analysts Covering3
Buy 67% Hold 33% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS86606G1013

Price Chart

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SMMF
Summit Financial Group, Inc. ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
17.06 52WK RANGE 31.49

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