SFSB

SFBI

Banks - Regional · Financial Services

Price

$0.00

+0.00 (+0.00%)

Market Cap

$9.4M

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Share count falling — buybacks

−10.7% over 8y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 3.0M (2005) → 2.7M (2013)

SFSB, Inc. (ticker: SFBI) is the holding company for Slovenian Savings Bank, a small community bank based in Joliet, Illinois. It offers basic banking services like checking and savings accounts, mortgages, and loans, mainly to individual customers and small businesses in the local area. It is a very small, traditional community bank focused on a single regional market.

The bank earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. With a market cap near zero and negative operating margins, the bank is currently unprofitable and operates at a very small scale compared to regional and national competitors. The main risk facing SFSB is its lack of scale — small community banks struggle to compete with larger banks that can offer lower costs, more technology, and a wider range of products to customers.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

YoY Growth Rate

Revenue data limited

EPS Growth

YoY Growth Rate

EPS data limited

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

Quarterly Free Cash Flow

→ Burn rate stable

$30,080 cash & investments at current burn rate

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

-15.7%

Losing money on operations — -15.7%

ROCE

-0.6%

Weak — -0.6% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-99.9%

Shrinking sales (-99.9% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-13.5%

Burning cash (-13.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

6.93

Heavy debt load (6.93)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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