See more : Titomic Limited (TTT.AX) Income Statement Analysis – Financial Results
Complete financial analysis of Salisbury Bancorp, Inc. (SAL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Salisbury Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Salisbury Bancorp, Inc. (SAL)
About Salisbury Bancorp, Inc.
Salisbury Bancorp, Inc. operates as the bank holding company for Salisbury Bank and Trust Company that provides commercial banking, consumer financing, retail banking, and trust and wealth advisory services. It offers various retail and commercial deposit products. The company also provides loans, such as residential and commercial real estate loans; construction loans; working capital loans; equipment loans; and consumer loans, including home equity loans and lines of credit, collateral loans, and auto and personal installment loans. In addition, it offers a range of fiduciary services, including trust and estate administration, wealth advisory, and investment management services to individuals, families, businesses, and institutions. Further, the company provides additional depositor related services consisting of landlord/tenant lease security accounts and services, merchant services, payroll services, ATM services, bank-by-phone services, Internet banking services, Internet bill pay services, person to person payments, bank to bank transfers, mobile banking services with remote deposit, and online financial management with account aggregation services, as well as cash management services, including remote deposit capture, ACH origination, wire transfers, and positive pay services. It operates through a network of 14 banking offices and 10 ATMs located in Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts. The company was founded in 1848 and is headquartered in Lakeville, Connecticut.
| Metric | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 56.37M | 51.67M | 48.15M | 42.93M | 41.52M | 37.34M | 37.50M | 38.35M | 25.95M | 24.47M | 24.98M | 24.14M | 22.47M | 22.42M | 20.93M | 18.18M | 17.85M | 18.33M | 15.65M | 14.02M | 12.38M | 11.18M | 10.25M | 9.80M | 9.10M | 8.40M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 56.37M | 51.67M | 48.15M | 42.93M | 41.52M | 37.34M | 37.50M | 38.35M | 25.95M | 24.47M | 24.98M | 24.14M | 22.47M | 22.42M | 20.93M | 18.18M | 17.85M | 18.33M | 15.65M | 14.02M | 12.38M | 11.18M | 10.25M | 9.80M | 9.10M | 8.40M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 20.58M | 18.98M | 16.83M | 16.69M | 16.86M | 15.40M | 15.42M | 14.69M | 11.91M | 10.74M | 10.55M | 12.06M | 11.26M | 12.25M | 8.33M | 7.72M | 7.15M | 7.36M | 5.97M | 4.83M | 4.24M | 3.83M | 3.40M | 2.90M | 2.60M | 2.40M |
| Selling & Marketing | 822.00K | 881.00K | 573.00K | 619.00K | 815.00K | 793.00K | 686.00K | 593.00K | 409.00K | 393.00K | 356.00K | 343.00K | 319.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 21.41M | 19.86M | 17.40M | 17.31M | 17.68M | 16.19M | 16.11M | 15.28M | 12.31M | 11.13M | 10.90M | 12.40M | 11.58M | 12.25M | 8.33M | 7.72M | 7.15M | 7.36M | 5.97M | 4.83M | 4.24M | 3.83M | 3.40M | 2.90M | 2.60M | 2.40M |
| Other Expenses | -12.24M | -50.79M | -51.15M | -46.74M | -44.14M | -44.36M | -44.33M | -41.61M | -35.13M | -30.62M | -30.82M | -31.48M | -29.69M | 1.13M | -28.57M | -21.24M | -19.31M | -20.01M | -16.82M | -13.75M | -12.31M | -10.74M | -9.44M | -8.50M | -8.10M | -7.20M |
| Operating Expenses | 9.17M | -30.93M | -33.75M | -29.43M | -24.34M | -28.17M | -28.22M | -26.33M | -22.81M | -19.48M | -19.92M | -19.08M | -18.11M | 13.38M | -20.24M | -13.51M | -12.16M | -12.65M | -10.85M | -8.91M | -8.07M | -6.90M | -6.04M | -5.60M | -5.50M | -4.80M |
| Cost & Expenses | 9.17M | -30.93M | -33.75M | -29.43M | -24.34M | -28.17M | -28.22M | -26.33M | -22.81M | -19.48M | -19.92M | -19.08M | -18.11M | 13.38M | -20.24M | -13.51M | -12.16M | -12.65M | -10.85M | -8.91M | -8.07M | -6.90M | -6.04M | -5.60M | -5.50M | -4.80M |
| Interest Income | 50.01M | 44.07M | 43.43M | 43.41M | 40.37M | 35.52M | 34.45M | 34.57M | 22.86M | 21.75M | 22.66M | 24.04M | 24.66M | 25.89M | 26.56M | 26.15M | 23.73M | 20.82M | 16.55M | 15.65M | 16.16M | 17.09M | 16.51M | 14.50M | 13.40M | 12.60M |
| Interest Expense | 4.97M | 3.45M | 5.29M | 9.30M | 7.22M | 4.24M | 3.85M | 3.03M | 2.70M | 3.06M | 4.28M | 5.56M | 7.50M | 9.03M | 10.83M | 12.43M | 10.46M | 7.35M | 5.66M | 5.61M | 6.90M | 8.30M | 8.29M | 6.70M | 6.10M | 5.70M |
| Depreciation & Amortization | 191.00K | 255.00K | 321.00K | 388.00K | 454.00K | 533.00K | 601.00K | 652.00K | 290.00K | 222.00K | 222.00K | 1.35M | 419.00K | 1.03M | 1.05M | 875.85K | 850.33K | 1.03M | 963.53K | 799.06K | 900.59K | 310.47K | 203.00K | 200.00K | 200.00K | 300.00K |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.73M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 43.60% | 40.63% | 30.56% | 32.34% | 47.99% | 25.99% | 26.33% | 33.04% | 13.19% | 21.30% | 21.17% | 26.58% | 21.24% | 15.39% | 8.28% | 30.50% | 36.66% | 36.56% | 36.80% | 42.13% | 42.06% | 40.99% | 43.03% | 44.90% | 41.76% | 46.43% |
| Operating Income | 24.39M | 20.74M | 14.39M | 13.50M | 17.75M | 9.17M | 9.27M | 12.02M | 3.13M | 4.99M | 5.07M | 5.06M | 4.35M | 2.42M | 684.60K | 4.67M | 5.70M | 5.68M | 4.79M | 5.11M | 4.31M | 4.27M | 4.21M | 4.20M | 3.60M | 3.60M |
| Operating Income Ratio | 43.26% | 40.14% | 29.89% | 31.44% | 42.76% | 24.56% | 24.73% | 31.34% | 12.07% | 20.40% | 20.28% | 20.97% | 19.38% | 10.78% | 3.27% | 25.68% | 31.90% | 30.97% | 30.64% | 36.43% | 34.78% | 38.22% | 41.05% | 42.86% | 39.56% | 42.86% |
| Total Other Income/Expenses | -27.79M | 0.00 | 0.00 | 0.00 | -7.22M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | 19.41M | 20.74M | 14.39M | 13.50M | 10.53M | 9.17M | 9.27M | 12.02M | 3.13M | 4.99M | 5.07M | 5.06M | 4.35M | 2.42M | 684.60K | 4.67M | 5.70M | 5.68M | 4.79M | 5.11M | 4.31M | 4.27M | 4.21M | 4.20M | 3.60M | 3.60M |
| Income Before Tax Ratio | 34.44% | 40.14% | 29.89% | 31.44% | 25.37% | 24.56% | 24.73% | 31.34% | 12.07% | 20.40% | 20.28% | 20.97% | 19.38% | 10.78% | 3.27% | 25.68% | 31.90% | 30.97% | 30.64% | 36.43% | 34.78% | 38.22% | 41.05% | 42.86% | 39.56% | 42.86% |
| Income Tax Expense | 3.54M | 4.27M | 2.45M | 2.36M | 1.71M | 2.91M | 2.59M | 3.56M | 610.00K | 909.00K | 989.00K | 950.00K | 693.00K | -49.00K | -421.29K | 870.01K | 1.44M | 1.11M | 774.95K | 1.27M | 1.11M | 1.37M | 1.36M | 1.50M | 1.30M | 1.40M |
| Net Income | 15.87M | 16.47M | 11.94M | 11.14M | 8.82M | 6.26M | 6.69M | 8.46M | 2.52M | 4.08M | 4.08M | 4.11M | 3.66M | 2.47M | 1.11M | 3.80M | 4.25M | 4.56M | 4.02M | 3.84M | 3.20M | 2.90M | 2.85M | 2.70M | 2.30M | 2.20M |
| Net Income Ratio | 28.16% | 31.88% | 24.80% | 25.94% | 21.25% | 16.75% | 17.83% | 22.05% | 9.72% | 16.68% | 16.32% | 17.03% | 16.29% | 11.00% | 5.28% | 20.90% | 23.83% | 24.89% | 25.68% | 27.39% | 25.84% | 25.96% | 27.80% | 27.55% | 25.27% | 26.19% |
| EPS | 2.82 | 2.88 | 2.11 | 1.98 | 1.56 | 1.13 | 1.22 | 1.52 | 0.66 | 1.15 | 1.14 | 1.06 | 0.95 | 0.63 | 0.33 | 1.13 | 1.26 | 1.36 | 1.34 | 1.35 | 1.13 | 1.01 | 0.96 | 0.89 | 0.74 | 0.70 |
| EPS Diluted | 2.80 | 2.86 | 2.10 | 1.97 | 1.56 | 1.12 | 1.21 | 1.51 | 0.66 | 1.15 | 1.14 | 1.06 | 0.95 | 0.62 | 0.33 | 1.13 | 1.26 | 1.36 | 1.34 | 1.35 | 1.13 | 1.01 | 0.96 | 0.89 | 0.74 | 0.70 |
| Weighted Avg Shares Out | 5.67M | 5.62M | 5.60M | 5.56M | 5.60M | 5.51M | 5.46M | 5.46M | 5.44M | 3.41M | 3.39M | 3.38M | 3.37M | 3.37M | 3.37M | 3.36M | 3.36M | 3.37M | 3.01M | 2.84M | 2.84M | 2.86M | 2.97M | 3.03M | 3.11M | 3.12M |
| Weighted Avg Shares Out (Dil) | 5.67M | 5.67M | 5.61M | 5.59M | 5.64M | 5.54M | 5.50M | 5.50M | 5.44M | 3.41M | 3.39M | 3.38M | 3.37M | 3.37M | 3.37M | 3.36M | 3.36M | 3.37M | 3.01M | 2.84M | 2.85M | 2.88M | 2.97M | 3.03M | 3.13M | 3.15M |
Salisbury Bancorp (SAL) Q4 Earnings Miss Estimates
Salisbury Bancorp, Inc. Reports Record Full Year 2020 Results; Declares 29 Cent Dividend
Salisbury Bancorp (SAL) Earnings Expected to Grow: Should You Buy?
Should Value Investors Buy Salisbury Bancorp (SAL) Stock?
Salisbury Bancorp, Inc. Reports Strong Results for Third Quarter 2020; Declares 29 Cent Dividend
Source: https://incomestatements.info
Category: Stock Reports