Stock SMMF SUMMIT FINANCIAL GROUP, INC.
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Financials Summit Financial Group, Inc.

Equities

SMMF

US86606G1013

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
27.45 USD +0.15% Intraday chart for Summit Financial Group, Inc. +0.92% -10.56%
Apr. 25 Summit Financial Group, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Apr. 25 Earnings Flash (SMMF) SUMMIT FINANCIAL GROUP Reports Q1 EPS $1.14 MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 335.9 285.6 349.4 318 450.4 403.2 -
Enterprise Value (EV) 1 335.9 285.6 349.4 318 450.4 403.2 403.2
P/E ratio 10.7 x 9.16 x 7.91 x 6.1 x 8.06 x 6.86 x 6.86 x
Yield 2.18% 3.08% 2.55% 3.05% 2.74% 2.91% 2.91%
Capitalization / Revenue 3.49 x 2.47 x 2.68 x 2.14 x 2.54 x 2.23 x 2.14 x
EV / Revenue 3.49 x 2.47 x 2.68 x 2.14 x 2.54 x 2.23 x 2.14 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.36 x 1.01 x 1.12 x 0.94 x 1.06 x 0.84 x 0.76 x
Nbr of stocks (in thousands) 12,401 12,933 12,728 12,776 14,675 14,687 -
Reference price 2 27.09 22.08 27.45 24.89 30.69 27.45 27.45
Announcement Date 1/24/20 2/1/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 96.29 115.6 130.1 148.4 177.4 180.9 188.7
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 39.58 38.75 57.4 67.31 70.4 77.37 77.43
Net income 1 31.87 31.3 45.15 52.32 54.34 58.91 58.9
Net margin 33.09% 27.08% 34.69% 35.25% 30.62% 32.56% 31.21%
EPS 2 2.530 2.410 3.470 4.080 3.810 4.000 4.000
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.5900 0.6800 0.7000 0.7600 0.8400 0.8000 0.8000
Announcement Date 1/24/20 2/1/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 32.6 34.78 34.1 34.82 39 39.61 38.97 46.1 46.54 46.59 44.67 44.58 45.71 45.93 45.07
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 15.26 15.36 14.95 15.21 18.28 18.87 17.68 10.41 21.13 21.19 20.72 18.67 19.76 18.22 17.59
Net income 1 12.01 12.36 11.47 11.79 14.2 14.86 13.88 7.984 16.11 16.37 15.77 14.16 15.11 13.88 13.3
Net margin 36.85% 35.52% 33.63% 33.86% 36.41% 37.52% 35.61% 17.32% 34.61% 35.14% 35.3% 31.75% 33.05% 30.21% 29.5%
EPS 2 0.9200 0.9500 0.9000 0.9200 1.110 1.160 1.080 0.5400 1.090 1.110 1.070 0.9600 1.030 0.9400 0.9000
Dividend per Share 2 0.1800 0.1800 0.1800 0.1800 0.2000 0.2000 0.2000 0.2000 0.2200 0.2200 0.2000 0.2000 0.2000 0.2000 0.2000
Announcement Date 10/28/21 1/27/22 4/28/22 7/28/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 13.4% 11.8% 14.8% 15.8% 13.7% 13% 11.7%
ROA (Net income/ Total Assets) 1.4% 1.13% 1.36% 1.42% 1.25% 1.2% 1.2%
Assets 1 2,276 2,770 3,320 3,684 4,347 4,909 4,908
Book Value Per Share 2 20.00 21.80 24.50 26.60 29.00 32.60 36.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/24/20 2/1/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Summit Financial Group, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
27.45 USD
Average target price
30 USD
Spread / Average Target
+9.29%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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