Savi Financial (SVVB) AI Stock Analysis

• Market Cap: $52.88M
• Dividend Yield: N/A
• Average Volume (3M): 75.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.30
• Revenue Growth: 15.76%
• EPS Growth: -2530.99%
• Country: US
• Employees: 142
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): -0.34
• Shares Outstanding: 3,433,472
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 75
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 2.27
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 3.73
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Savi Financial's overall score reflects significant financial challenges, including profitability and cash flow issues. While the technical outlook is moderately positive, valuation concerns due to a negative P/E ratio and absence of dividends weigh heavily on the stock's attractiveness. Strategic improvements are necessary to enhance financial health and investor sentiment.

Savi Financial Business Overview & Revenue Model

Company Description

Savi Financial (SVVB) is a financial services company specializing in providing a broad range of banking and financial solutions. The company operates in sectors including personal banking, commercial banking, and wealth management. Savi Financial offers core products and services such as savings and checking accounts, loans, credit cards, investment services, and financial advisory services.

How the Company Makes Money

Savi Financial makes money primarily through interest income generated from loans and credit products, which is a significant portion of its revenue. Additionally, the company earns money through fees associated with its financial services, including account maintenance fees, transaction fees, and advisory fees in its wealth management sector. Savi Financial also benefits from investments and partnerships that enhance its financial products offerings, contributing to its overall earnings.

Savi Financial Financial Statement Overview

Summary

Savi Financial is facing challenges with profitability and cash flow stability. Despite strong gross profit margins, the company suffers from operational inefficiencies and high debt levels, which threaten its financial health. The negative cash flow situation and reliance on debt financing further emphasize the need for improved cash flow management and debt reduction.

Income Statement

Savi Financial has experienced fluctuating revenue with a recent decline from the previous year. The gross profit margin appears strong, but the net profit margin is weak due to a significant decrease in net income. The negative EBIT margin indicates operational inefficiencies.

Balance Sheet

The company's debt-to-equity ratio is relatively high, suggesting a higher reliance on debt financing, which can be risky. However, the equity ratio shows that a portion of assets is financed by equity, providing some stability. Return on equity has decreased, reflecting reduced profitability.

Cash Flow

Savi Financial's cash flow situation is concerning, as both operating and free cash flows are negative, indicating potential liquidity issues. The company relies heavily on financing activities to support operations, which could pose risks if continued.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
23.53M	26.87M	23.70M	17.63M	16.29M
	Gross Profit
32.15M	26.87M	23.70M	17.63M	16.29M
	EBIT
-55.77K	4.59M	5.06M	1.99M	2.00M
	EBITDA
1.10M	5.62M	5.41M	2.45M	2.36M
	Net Income Common Stockholders
47.80K	3.72M	3.58M	1.35M	1.41M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	-6.08M	65.51M	27.45M	20.79M
	Total Assets
593.48M	523.84M	479.52M	409.99M	313.26M
	Total Debt
52.50M	54.63M	7.50M	25.00M	30.00M
	Net Debt
105.00M	34.45M	-50.30M	-10.26M	12.77M
	Total Liabilities
556.29M	487.57M	441.88M	375.76M	280.48M
	Stockholders Equity
37.19M	36.28M	37.58M	34.23M	32.79M
Cash Flow		Free Cash Flow
-4.48M	-3.48M	1.14M	1.22M	-2.93M
	Operating Cash Flow
-198.70K	-2.26M	1.98M	2.45M	2.15M
	Investing Cash Flow
-54.24M	-88.37M	-6.15M	-91.57M	-38.05M
	Financing Cash Flow
68.27M	45.30M	41.96M	95.30M	43.26M

Savi Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SVVB, the sentiment is Positive. The current price of 15.4 is above the 20-day moving average (MA) of 15.37, above the 50-day MA of 15.34, and above the 200-day MA of 15.00, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 57.62 is Neutral, neither overbought nor oversold. The STOCH value of 57.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SVVB.

Savi Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.65B	9.81	8.05%	17044.60%	12.57%	-4.75%
BAFN	63 Neutral	$61.77M	6.68	10.87%	2.14%	8.22%	112.31%
CFSB	60 Neutral	$51.47M	―	>-0.01%	―	13.69%	77.14%
SVVB	53 Neutral	$52.88M	―	-3.27%	―	15.76%	-2530.99%
SSBI	52 Neutral	$61.42M	10.38	-3.20%	4.35%	-3.54%	-138.07%
TCBS	48 Neutral	$46.77M	22.70	3.88%	1.05%	19.16%	―