How to buy Severn Bancorp stock | $12.75

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. Severn Bancorp employs 175 staff and has a trailing 12-month revenue of around 0.00.

Severn Bancorp stock price (NASDAQ: SVBI)

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

Severn Bancorp shares at a glance

• Key figures

Information last updated 2021-10-17.

Latest market close	$12.75
52-week range	$5.91 - $13.12
50-day moving average	$12.48
200-day moving average	$12.15
Wall St. target price	N/A
PE ratio	16.5385
Dividend yield	$0.18 (1.4%)
Earnings per share (TTM)	$0.78

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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.

Severn Bancorp price performance over time

Historical closes compared with the close of $12.75 from 2021-10-22

1 week (2021-10-15)	-1.16%
1 month (2021-09-24)	3.24%
3 months (2021-07-23)	6.43%
6 months (2021-04-23)	8.33%

1 year (2020-10-23)	100.16%
2 years (2019-10-23)	59.38%
3 years (2018-10-23)	48.08%
5 years (2016-10-21)	96.76%

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 17x. In other words, Severn Bancorp shares trade at around 17x 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	$48.8 million
Operating margin TTM	29.73%
Gross profit TTM	$42.4 million
Return on assets TTM	0.97%
Return on equity TTM	9.14%
Profit margin	20.57%
Book value	$8.76
Market capitalisation	$165.9 million

TTM: trailing 12 months

Shorting Severn Bancorp shares

There are currently 16,850 Severn Bancorp shares held short by investors – that's known as Severn Bancorp's "short interest". This figure is 16.5% up from 14,463 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 6061.1510791367). Severn Bancorp's SIR currently stands at 2.78. In other words for every 100,000 Severn Bancorp shares traded daily on the market, roughly 2780 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 0.0017% of the tradable shares (for every 100,000 tradable Severn Bancorp shares, roughly 2 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

Dividend payout ratio: 25.24% of net profits

Recently Severn Bancorp has paid out, on average, around 25.24% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.55% 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 1.55% return on their shares, in the form of dividend payments. In Severn Bancorp's case, that would currently equate to about $0.18 per share.

While Severn Bancorp's payout ratio might seem fairly standard, it's worth remembering that Severn Bancorp may be investing much of the rest of its net profits in future growth.

Severn Bancorp's most recent dividend payout was on 14 September 2021. The latest dividend was paid out to all shareholders who bought their shares by 1 September 2021 (the "ex-dividend date").

Have Severn Bancorp's shares ever split?

Severn Bancorp's shares were split on a 11:10 basis on 12 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 $5.9053 up to $13.12. A popular way to gauge a stock's volatility is its "beta".

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 0.8021. 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 checking, savings, money market, time deposit, and individual retirement accounts, as well as mortgage and other lending services, and Internet and mobile banking services; 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.

Frequently asked questions

What percentage of Severn Bancorp is owned by insiders or institutions?
Currently 22.995% of Severn Bancorp shares are held by insiders and 33.727% by institutions. How many people work for Severn Bancorp?
Latest data suggests 175 work at Severn Bancorp. When does the fiscal year end for Severn Bancorp?
Severn Bancorp's fiscal year ends in December. Where is Severn Bancorp based?
Severn Bancorp's address is: 200 Westgate Circle, Annapolis, MD, United States, 21401 What is Severn Bancorp's ISIN number?
Severn Bancorp's international securities identification number is: US81811M1009 What is Severn Bancorp's CUSIP number?
Severn Bancorp's Committee on Uniform Securities Identification Procedures number is: 81811M100