Last $14.50 USD
Change Today -0.2449 / -1.66%
Volume 809.0
SGB On Other Exchanges
Symbol
Exchange
NYSE Amex
As of 4:15 PM 08/20/14 All times are local (Market data is delayed by at least 15 minutes).

southwest georgia finl corp (SGB) Snapshot

Open
$14.39
Previous Close
$14.75
Day High
$14.51
Day Low
$14.39
52 Week High
03/24/14 - $16.60
52 Week Low
10/25/13 - $9.30
Market Cap
36.9M
Average Volume 10 Days
1.3K
EPS TTM
$1.15
Shares Outstanding
2.5M
EX-Date
06/5/14
P/E TM
12.6x
Dividend
$0.32
Dividend Yield
1.93%
Current Stock Chart for SOUTHWEST GEORGIA FINL CORP (SGB)

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southwest georgia finl corp (SGB) Details

Southwest Georgia Financial Corporation operates as the bank holding company for Southwest Georgia Bank that provides banking services to individuals and businesses principally in Colquitt, Baker, Thomas, Worth, Lowndes, and the surrounding counties of southwest Georgia. The company operates through five segments: The Retail and Commercial Banking Services, Commercial Mortgage Banking Services, Insurance Services, Trust and Retail Brokerage Services, and Financial Management Services. Its deposit products include consumer and commercial checking accounts, NOW accounts, savings accounts, noninterest-bearing demand deposits, interest-bearing demand deposits, savings deposits, and time deposits. The company’s loan products portfolio comprises secured and unsecured loans to individuals, corporations, and other businesses, including first and second real estate mortgage loans, direct installment loans on secured and unsecured basis, consumer installment loans, real estate construction and mortgage loans, and commercial loans, which include financial and agricultural loans. It also offers corporate, pension, and personal trust services, as well as acts as trustee, executor, and administrator for estates and as an administrator or trustee of various types of employee benefit plans for corporations and other organizations. In addition, the company provides retail brokerage services, including the sale of retail investment products, such as stocks, bonds, mutual funds, and annuities; property and casualty, life, health, and disability insurance; investment management services; and commercial mortgage banking services. It operates through six full service banking facilities and six automated teller machines. The company was founded in 1928 and is headquartered in Moultrie, Georgia.

112 Employees
Last Reported Date: 03/31/14
Founded in 1928

southwest georgia finl corp (SGB) Top Compensated Officers

Chief Executive Officer, President, Executive...
Total Annual Compensation: $262.0K
Chief Executive Officer of Empire Financial S...
Total Annual Compensation: $166.5K
Executive Vice President, Director, Chief Ope...
Total Annual Compensation: $190.0K
Compensation as of Fiscal Year 2013.

southwest georgia finl corp (SGB) Key Developments

Southwest Georgia Financial Corp. Announces Consolidated Unaudited Earnings Results for the Second Quarter and Six Months Ended June 30, 2014; Announces Net Charge-Offs for the Second Quarter of 2014

Southwest Georgia Financial Corp. announced consolidated unaudited earnings results for the second quarter and six months ended June 30, 2014. For the quarter, the company reported net income was $737,000 or $0.28 per diluted share, 28% higher than the $574,000 or $0.23 per diluted share, in the second quarter of 2013. Net interest income was $3,392,000 against $3,197,000 a year ago, due to lower deposit costs combined with increased revenue from a higher volume of earning assets. Income before income tax expense was $933,000 against $612,000 a year ago. Return on assets was 0.77% against 0.64% a year ago. Return on equity was 8.95% against 7.47% a year ago. For the six months ended June 30, 2014, net income was $1.4 million, or $0.56 per diluted share, a 26% increase from $1.1 million, or $0.45 per diluted share, for the same period in the prior year. Net interest income was $6,545,000 against $6,253,000 a year ago, due to lower deposit costs combined with increased revenue from a higher volume of earning assets. Income before income tax expense was $1,820,000 against $1,221,000 a year ago. Return on assets was 0.74% against 0.63% a year ago. Return on equity was 8.83% against 7.43% a year ago. Book value per share was $13.01. The company announced net loan charge offs of $22,000 for the second quarter of 2014.

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Payable June 19, 2014

Southwest Georgia Financial Corporation announced that its board of directors declared a quarterly cash dividend of $0.08 per common share. The dividend is payable June 19, 2014 to shareholders of record on June 9, 2014.

Southwest Georgia Financial Corp. Reports Unaudited Consolidated Earnings Results for the First Quarter Ended March 31, 2014; Reports Net Loan Charge-Offs for the First Quarter Ended March 31, 2014

Southwest Georgia Financial Corp. reported unaudited consolidated earnings results for the first quarter ended March 31, 2014. For the quarter, total interest income was $3,553,000 against $3,488,000 a year ago. Net interest income was $3,152,000 against $3,056,000 a year ago. Income before income tax expense was $887,000 against $608,000 a year ago. Net income was $701,000 or $0.28 per basic and diluted share against $566,000 or $0.22 per basic and diluted share a year ago. Return on assets was 0.72% against 0.62% a year ago. Return on equity was 8.71% against 7.50% a year ago. Book value per share as on March 31, 2014 was $12.68 against $11.91 as on March 31, 2013. Net interest income grew 3.2% when compared with last year's first quarter, due to lower deposit costs combined with increased revenues from higher volume of earning assets. For the quarter, net loan charge-offs was $109,000 against $6,000 a year ago.

 

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Industry Analysis

SGB

Industry Average

Valuation SGB Industry Range
Price/Earnings 12.2x
Price/Sales 2.1x
Price/Book 1.1x
Price/Cash Flow 12.2x
TEV/Sales NM Not Meaningful
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