Last $14.13 USD
Change Today +0.71 / 5.29%
Volume 32.9K
SGB On Other Exchanges
Symbol
Exchange
NYSE Amex
As of 8:04 PM 01/30/15 All times are local (Market data is delayed by at least 15 minutes).

southwest georgia finl corp (SGB) Snapshot

Open
$13.76
Previous Close
$13.42
Day High
$14.40
Day Low
$13.71
52 Week High
12/19/14 - $18.25
52 Week Low
02/3/14 - $11.10
Market Cap
36.0M
Average Volume 10 Days
9.1K
EPS TTM
$1.08
Shares Outstanding
2.5M
EX-Date
11/26/14
P/E TM
13.1x
Dividend
$0.32
Dividend Yield
2.26%
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 and financial services to individuals, businesses, and governmental customers in Colquitt, Baker, Thomas, Worth, Lowndes, and the surrounding counties of southwest Georgia. The company operates through five segments: Retail and Commercial Banking Services, Commercial Mortgage Banking Services, Insurance Services, Trust and Retail Brokerage Services, and Financial Management Services. It offers deposit products, including consumer and commercial checking accounts, NOW accounts, savings accounts, noninterest-bearing and interest-bearing demand deposits, and time deposits, as well as certificates of deposit. The company also provides secured and unsecured loans, such as direct consumer installment loans; construction and real estate mortgage loans; and commercial, financial, and agricultural loans, as well as lines of credit. In addition, it 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. Further, the company provides retail brokerage services, which include sale retail investment products, such as stocks, bonds, mutual funds, and annuities; property and casualty, life, health, and disability insurance services; and investment securities management 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.

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. Reports Unaudited Consolidated Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2014; Announces Net Loan Charge Offs for the Fourth Quarter Ended December 31, 2014

Southwest Georgia Financial Corp. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2014. For the quarter, the company reported total interest income of USD 3,710,000 compared with USD 3,735,000 for the same period last year. Net interest income was USD 3,396,000 compared with USD 3,313,000 for the same period last year. Net interest income after provision for losses on loans was USD 3,321,000 compared with USD 3,208,000 for the same period last year. Income before income tax expense was USD 811,000 compared with USD 1,185,000 for the same period last year. Net income was USD 662,000 or USD 0.26 basic and diluted per share compared with USD 982,000 or USD 0.39 basic and diluted per share for the same period last year. Return on assets was 0.69% against 1.05% a year ago. Return on equity was 7.75% against 12.50% a year ago. Difference in net income was mostly due to a USD 312,000 gain on the sale of securities in the fourth quarter of 2013. For the year, the company reported total interest income of USD 14,712,000 compared with USD 14,475,000 for the same period last year. Net interest income was USD 13,357,000 compared with USD 12,812,000 for the same period last year. Net interest income after provision for losses on loans was USD 13,027,000 compared with USD 12,392,000 for the same period last year. Income before income tax expense was USD 3,643,000 compared with USD 3,137,000 for the same period last year. Net income was USD 2,904,000 or USD 1.74 basic and diluted per share compared with USD 2,772,000 or USD 1.09 basic and diluted per share for the same period last year. Return on assets was 0.76% against 0.76% a year ago. Return on equity was 8.74% against 9.02% a year ago. Book value per share was USD 13.48 as on December 31, 2014 against was USD 12.33 as on December 31, 2013. Tangible book value per share was USD 13.45 as on December 31, 2014 against was USD 12.29 as on December 31, 2013. Earnings growth was driven by higher net interest income resulting from a change in asset mix. Higher net interest income was partially offset by lower mortgage banking revenue as Empire, the Corporation's commercial mortgage banking subsidiary, continued to wind down. For the quarter, the company reported net loan charge offs of USD 157,000 against USD 127,000 a year ago.

Southwest Georgia Financial Corp. Declares Quarterly Cash Dividend Payable on December 10, 2014

Southwest Georgia Financial Corp. announced that its Board of Directors at its meeting held on November 19, 2014 has declared a quarterly cash dividend of $0.08 per common share. The dividend is payable December 10, 2014 to shareholders of record on December 1, 2014.

Southwest Georgia Financial Corp., Board Meeting, Nov 19, 2014

Southwest Georgia Financial Corp., Board Meeting, Nov 19, 2014. Agenda: To declare a quarterly cash dividend of $0.08 per common share.

 

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Industry Analysis

SGB

Industry Average

Valuation SGB Industry Range
Price/Earnings 11.8x
Price/Sales 1.9x
Price/Book 1.0x
Price/Cash Flow 11.8x
TEV/Sales NM Not Meaningful
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