Salisbury Bancorp, Inc.

$ 27.88 1.57 %

Salisbury Bancorp, Inc. serves as the parent company for Salisbury Bank and Trust Company, providing a full spectrum of financial services. These offerings include commercial and retail banking, consumer credit, and specialized trust and wealth advisory services. The bank supplies a wide array of deposit products designed for both individual and corporate clients. Its lending activities cover diverse categories such as residential and commercial property mortgages, construction financing, working capital and equipment loans for businesses, and various consumer loans like home equity lines and loans, collateralized loans, and personal installment and automobile loans. Additionally, Salisbury Bank offers numerous fiduciary services, encompassing trust and estate administration, expert wealth management, and investment advisory for individuals, families, businesses, and institutional clients. Beyond core banking, the company extends supplementary services to depositors, including landlord/tenant lease security accounts, merchant and payroll processing, ATM access, phone banking, extensive online banking (featuring bill payment, person-to-person payments, and bank-to-bank transfers), mobile banking with remote deposit functionality, and online financial management tools with account aggregation. For corporate clients, sophisticated cash management solutions are available, such as remote deposit capture, ACH origination, wire transfers, and positive pay systems. The institution conducts its operations through 14 banking locations and 10 ATMs, situated across Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts. Founded in 1848, the company's headquarters are located in Lakeville, Connecticut.

CEO: Richard J. Cantele Jr. - https://www.salisburybank.com

Price objectif

-

Recommandation

Buy

DCF

$ -

Loading data...

SAL vs S&P500

Loading data...

No data available.

Quick ratio

146.35

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

10.56

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

2.64

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

11.98 %

reflects reasonable profitability, showing good use of equity.

ROIC

1.53 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

-

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.30

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

4.69

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

23.25 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

Loading data...

No data available.

Financials

Piotroski score
4 indicates moderate financial health
Altman score
0.39 indicates a high risk of bankruptcy
Loading data...

No data available.

Cash / Debt

Cash Ratio
5.82 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.03 indicates that the company uses little debt to finance its assets, suggesting good financial stability
Loading data...

No data available.

Free Cash Flow

Loading data...

No data available.

Earnings Per Share (annual)

Loading data...

No data available.

Sales

Loading data...

No data available.