Trade

with

Summit Financial Group Inc
(NASDAQ: SMMF)
AdChoices
10.00
+0.22
+2.25%
After Hours :
-
-
-

Open

9.99

Previous Close

9.78

Volume (Avg)

5.35k (4.59k)

Day's Range

9.98-10.00

52Wk Range

8.89-11.23

Market Cap.

74.57M

Dividend Rate ( Yield )

-

Beta

1.36

Shares Outstanding

7.46M

P/E Ratio (EPS)

10.57 (0.95)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
  • Management effectiveness
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 50.01M

    • Net Income

    • 8.07M

    • Market Cap.

    • 74.57M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 17.80

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • 1.36

    • Forward P/E

    • -

    • Price/Sales

    • 1.88

    • Price/Book Value

    • 0.69

    • Price/Cash flow

    • 3.36

      • EBITDA

      • 12.28M

      • Return on Capital %

      • 0.65

      • Return on Equity %

      • 8.84

      • Return on Assets %

      • 0.65

      • Book Value/Share

      • 14.51

      • Shares Outstanding

      • 7.46M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.06 (5/28/2009)

      • Dividend Declaration Date

      • 5/8/2009

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • 6.70

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • 41.20

          • 7.93

          • Net Income

            Q/Q (last year)

          • 99.80

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • -1.60

          • -11.83

          • Net Income

            5-Year Annual Average

          • 28.50

          • 6.49

          • Dividends

            5-Year Annual Average

          • -

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • 26.32

            • 36.31

            • Net Profit Margin

            • 17.80

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • 6.00

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • 5.20

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 1.46

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 13.27

              • 8.88

              • Book Value/Share

              • 14.51

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 10.57

                • 14.81

                • P/E Ratio 5-Year High

                • 11.87

                • 1,590.26

                • P/E Ratio 5-Year Low

                • 2.22

                • 247.77

                • Price/Sales Ratio

                • 1.88

                • 3.11

                • Price/Book Value

                • 0.69

                • 1.21

                • Price/Cash Flow Ratio

                • 3.36

                • 7.74

                • Key Metrics

                • Company

                  • Shares Short

                    as of -

                  • -

                  • Short Ratio

                    as of -

                  • -

                  • Short % of Float

                    as of -

                  • -

                  • Shares Short

                    prior month

                  • -

                  • Trailing Annual Dividend Yield

                  • -

                  • 5 Year Average Dividend Yield

                  • -

                  • Key Metrics

                  • Company

                    • Payout Ratio

                    • 0.00

                    • Dividend Date

                    • 5/8/2009

                    • Ex-Dividend Date

                    • 5/28/2009

                    • Last Split Factor

                      new per old

                    • -

                    • Last Split Date

                    • -

                    • Key Metrics

                    • Company

                    • Industry

                      • Return on Equity %

                        (5-Year Average)

                      • 8.84

                        (2.60)

                      • 11.32

                        (9.64)

                      • Return on Assets %

                        (5-Year Average)

                      • 0.65

                        (0.20)

                      • 1.26

                        (0.99)

                      • Return on Capital %

                        (5-Year Average)

                      • 6.40

                        (5.80)

                      • 5.43

                        (3.93)

                      • Income/Employee

                      • 44.11k

                      • 57.85k

                      • Inventory Turnover

                      • -

                      • -

                      • Asset Turnover

                      • 0.04

                      • 0.05

                      Current Historical
                      Financials
                      • Income Statement
                      • Balance Sheet
                      • Cash Flow
                      Operating Income
                      10.76M
                      Operating Margin
                      21.51
                      Total Equity
                      -
                      Retained Earnings
                      -
                      Free Cashflow
                      -
                      Price/Cashflow
                      3.36
                      Ownership

                      Institutional Ownership

                      6.28%

                      Top 10 Institutions

                      5.52%

                      Mutual Fund Ownership

                      1.31%

                      Float

                      75.77%

                      5% / Insider Ownership

                      12.09%

                      Corporate insiders or major stockholders reporting trading activity in the stock.

                      Top Mutual Fund Owners

                      Top Institutional Owners

                      Mutual Fund Name

                      Institution Name

                      • Mutual Fund Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Vanguard Extended Market Index Fund

                      •  

                        68,467

                      • 0.00

                      • 0.92

                      • Orinda SkyView Multi-Manager Hdg Eq

                      •  

                        12,311

                      • -16.36

                      • 0.16

                      • The Vanguard - Total Stk Mkt Idx Trust. CF

                      •  

                        6,887

                      • 0.00

                      • 0.09

                      • Fidelity Spartan® Extended Mkt Indx Fd

                      •  

                        1,800

                      • 0.00

                      • 0.02

                      • Wilshire Micro-Cap ETF

                      •  

                        1,710

                      • 0.00

                      • 0.02

                      • Master Extended Market Index Series

                      •  

                        1,593

                      • 0.00

                      • 0.02

                      • USAA Extended Market Index Fund

                      •  

                        1,592

                      • -0.06

                      • 0.02

                      • Vericimetry U.S. Small Cap Value Fund

                      •  

                        1,501

                      • 0.00

                      • 0.02

                      • AXA/Lord Abbett Micro Cap Portfolio

                      •  

                        706

                      • 0.00

                      • 0.01

                      • Fidelity® Nasdaq Composite Tr Stk Fund

                      •  

                        621

                      • 9.52

                      • 0.01

                      • Institution Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Tontine Associates LLC

                      •  

                        86,939

                      • +4.96%

                      • 1.17

                      • Vanguard Group, Inc.

                      •  

                        75,354

                      • 0.00%

                      • 1.01

                      • J. P. Morgan Chase Bank, N.A.

                      •  

                        73,896

                      • 0.00%

                      • 0.99

                      • Pinnacle Holdings, LLC

                      •  

                        67,332

                      • +67.95%

                      • 0.90

                      • GRT Capital Partners LLC

                      •  

                        23,290

                      • +7.32%

                      • 0.31

                      • Schneider Capital Management Corp.

                      •  

                        20,300

                      • 0.00%

                      • 0.27

                      • California Public Employees Retrmnt Sys

                      •  

                        19,050

                      • 0.00%

                      • 0.26

                      • Zacks Investment Management, Inc.

                      •  

                        16,932

                      • +0.59%

                      • 0.23

                      • Renaissance Technologies Corp

                      •  

                        15,200

                      • +11.76%

                      • 0.20

                      • Mckinley Carter Wealth Services, Inc.

                      •  

                        13,600

                      • 0.00%

                      • 0.18

                      Company Profile

                      Sector

                      Financial Services

                      Industry

                      Banks – Regional – US

                      Type

                      Cyclical

                      Style

                      Small Value

                      Summit Financial Group Inc was incorporated in the State of West Virginia in 1987. The Company offers community banking services mainly in the Eastern Panhandle and South Central regions of West Virginia and the Northern region of Vi...morerginia. It provides these services through its community bank subsidiary; Summit Community Bank. It also operates Summit Insurance Services, LLC in Moorefield, West Virginia and Leesburg, Virginia. It provides community banking services, including demand, savings and time deposits; commercial, real estate and consumer loans; letters of credit; and cash management services. The deposits of Summit Community are insured by the Federal Deposit Insurance Corporation. Its primary lending focus is providing commercial loans to local businesses and providing owner-occupied real ...moreestate loans to individuals. The Company segments its loan portfolio into the following lending categories: commercial, commercial real estate, construction and development, residential real estate, and consumer. Commercial loans are loans made to commercial borrowers that are not secured by real estate. These encompass loans secured by accounts receivable, inventory, equipment, as well as unsecured loans. Commercial real estate loans consist of commercial mortgages, which generally are secured by nonresidential and multi-family residential properties. Commercial real estate loans are made to many of the same customers and carry similar industry risks as the commercial loan portfolio. Construction and development loans are made for the purpose of financing construction or development projects. This portfolio includes commercial and residential land development loans, one-to-four family housing construction both pre-sold and speculative in nature, multi-family housing construction, non-residential building construction, and undeveloped land. Residential real estate loans are mortgage loans to consumers and are secured mainly by a first lien deed of trust. These loans are traditional one-to-four family residential mortgages. Also included in this category of loans are second liens on one-to-four family properties as well as home equity loans. Consumer loans are loans that establish consumer credit that is granted for the consumer’s personal use. These loans include automobile loans, recreational vehicle loans, as well as personal secured and unsecured loans. The Company as a financial holding company is subject to the restrictions of the Bank Holding Company Act of 1956, as amended and are registered pursuant to its provisions.lessless

                      Key People

                      H. Charles Maddy,III

                      CEO/CEO, Subsidiary/Chairman of the Board, Subsidiary/Director/President

                      Oscar M. Bean

                      Chairman of the Board/Director

                      Robert S. Tissue

                      CFO/Senior VP

                      Julie R. Cook

                      Chief Accounting Officer/Vice President

                      Charles S. Piccirillo

                      Director

                      • Summit Financial Group Inc

                      • 300 North Main Street

                      • Moorefield, WV 26836

                      • USA.Map

                      • Phone: +1 304 530-1000

                      • Fax: -

                      • summitfgi.com

                      Incorporated

                      1987

                      Employees

                      224

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