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How to buy Severn Bancorp stock

Own Severn Bancorp stock in just a few minutes.

Fact checked

Severn Bancorp, Inc is a banks-regional business based in the US. Severn Bancorp shares (SVBI) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy shares in Severn Bancorp

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Severn Bancorp. Find the stock by name or ticker symbol: SVBI. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Severn Bancorp reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Severn Bancorp, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Severn Bancorp. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Severn Bancorp share price

Use our graph to track the performance of SVBI stocks over time.

Severn Bancorp shares at a glance

Information last updated 2021-02-24.
52-week rangeUSD$4.1791 - USD$8.29
50-day moving average USD$7.74
200-day moving average USD$6.8019
Wall St. target priceN/A
PE ratio 15.7115
Dividend yield USD$0.16 (1.95%)
Earnings per share (TTM) USD$0.52

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Severn Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Severn Bancorp under- or over-valued?

Valuing Severn Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Severn Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Severn Bancorp's P/E ratio

Severn Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 16x. In other words, Severn Bancorp shares trade at around 16x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Severn Bancorp financials

Revenue TTM USD$42.4 million
Operating margin TTM 22.06%
Gross profit TTM USD$42.4 million
Return on assets TTM 0.75%
Return on equity TTM 6.24%
Profit margin 15.8%
Book value $8.548
Market capitalisation USD$104.7 million

TTM: trailing 12 months

Shorting Severn Bancorp shares

There are currently 5,638 Severn Bancorp shares held short by investors – that's known as Severn Bancorp's "short interest". This figure is 46.6% up from 3,845 last month.

There are a few different ways that this level of interest in shorting Severn Bancorp shares can be evaluated.

Severn Bancorp's "short interest ratio" (SIR)

Severn Bancorp's "short interest ratio" (SIR) is the quantity of Severn Bancorp shares currently shorted divided by the average quantity of Severn Bancorp shares traded daily (recently around 10067.857142857). Severn Bancorp's SIR currently stands at 0.56. In other words for every 100,000 Severn Bancorp shares traded daily on the market, roughly 560 shares are currently held short.

However Severn Bancorp's short interest can also be evaluated against the total number of Severn Bancorp shares, or, against the total number of tradable Severn Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Severn Bancorp's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Severn Bancorp shares in existence, roughly 0 shares are currently held short) or 0.0006% of the tradable shares (for every 100,000 tradable Severn Bancorp shares, roughly 1 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Severn Bancorp.

Find out more about how you can short Severn Bancorp stock.

Severn Bancorp share dividends

24%

Dividend payout ratio: 23.73% of net profits

Recently Severn Bancorp has paid out, on average, around 23.73% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.96% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Severn Bancorp shareholders could enjoy a 1.96% return on their shares, in the form of dividend payments. In Severn Bancorp's case, that would currently equate to about $0.16 per share.

While Severn Bancorp's payout ratio might seem low, this can signify that Severn Bancorp is investing more in its future growth.

Severn Bancorp's most recent dividend payout was on 15 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 7 December 2020 (the "ex-dividend date").

Have Severn Bancorp's shares ever split?

Severn Bancorp's shares were split on a 11:10 basis on 13 March 2007. So if you had owned 10 shares the day before before the split, the next day you'd have owned 11 shares. This wouldn't directly have changed the overall worth of your Severn Bancorp shares – just the quantity. However, indirectly, the new 9.1% lower share price could have impacted the market appetite for Severn Bancorp shares which in turn could have impacted Severn Bancorp's share price.

Severn Bancorp share price volatility

Over the last 12 months, Severn Bancorp's shares have ranged in value from as little as $4.1791 up to $8.29. A popular way to gauge a stock's volatility is its "beta".

SVBI.US volatility(beta: 0.69)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Severn Bancorp's is 0.6852. This would suggest that Severn Bancorp's shares are less volatile than average (for this exchange).

Severn Bancorp overview

Severn Bancorp, Inc., together with its subsidiaries, operates as a savings and loan holding company. The company provides various personal banking products and services comprising mortgage and other lending services, and Internet and mobile banking, as well as checking, savings, money market, time deposit, and individual retirement accounts; commercial banking products and services, including commercial secured and unsecured lending services, as well as business Internet banking, corporate cash management services, and deposit services to commercial customers comprising the medical-use cannabis industry; and safe deposit boxes, ATMs, debit cards, and credit cards. Its loan portfolio comprises residential mortgage loans; commercial real estate loans; construction and land acquisition, and development loans for the construction of one-to-four family dwellings; commercial construction loans; land loans; residential lot loans; business and commercial loans; and home equity loans, home equity lines of credit, and other consumer loans. In addition, the company provides commercial real estate brokerage and property management services; acquires real estate for syndication and investment purposes; leases space; engages in title work related to real estate transactions; and provides various insurance products. Severn Bancorp, Inc. provides its products and services in Maryland, Delaware, and Virginia. As of October 22, 2020, the company operated through 7 branches located in Annapolis, Edgewater, Severna Park, Lothian/Wayson's Corner, Crofton, and Glen Burnie. Severn Bancorp, Inc. was founded in 1946 and is headquartered in Annapolis, Maryland.

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