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Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Sunshine Bancorp, Inc. operates as the holding company for Sunshine Bank that provides financial services to individuals, families, and businesses. The company accepts various deposit accounts, such as interest-bearing and noninterest-bearing demand and checking, money market, and savings accounts; time deposits; and certificates of deposit. Its loan products include commercial real estate and multi-family loans; one-to-four family residential real estate loans; commercial business loans, such as term loans, lines of credit, agricultural production, equipment financing, and revolving lines of credit; construction and land loans; home equity loans comprising revolving lines of credit, and term or second mortgage loans; and consumer loans. The company also offers debit and credit cards; treasury management comprising lockbox services; and remote deposit capture, ATM, safe deposit boxes, merchant debit and credit card transactions processing, investment brokerage, telephone banking, and online and mobile banking services, as well as invests in securities. As of April 17, 2017, it operated 18 branch locations in Brevard, Hillsborough, Manatee, Orange, Osceola, Pasco, Polk, Sarasota, and Seminole counties, Florida. Sunshine Bancorp, Inc. was founded in 1954 and is headquartered in Plant City, Florida.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Equity (BVPS) 15.05
11.64
9.10
growth rate -22.7% -21.8%
Earnings BIT -4.05
-4.47
0.72
growth rate 0.0% 100.0%
Avg.PE 103.68
growth rate
ROA -0.02
0.07
-1.16
-0.61
-0.01
growth rate 100.0% -100.0% 0.0% 0.0%
ROE -0.14
0.53
-5.58
-3.38
-0.05
growth rate 100.0% -100.0% 0.0% 0.0%
ROIC 1.19
1.45
-5.17
growth rate 21.9% -100.0%
Leverage 7.35
7.32
3.73
7.11
8.31
growth rate -0.4% -49.0% 90.6% 16.9%
Balance Sheet Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Acct.Receivable 0.58
0.61
1.05
2.08
growth rate 5.5% 71.0% 98.2%
Total Assets 194.44
229.82
507.27
931.44
growth rate 18.2% 120.7% 83.6%
Cash 69.26
102.01
131.30
166.21
growth rate 47.3% 28.7% 26.6%
Liabilities 167.89
168.19
435.87
819.33
growth rate 0.2% 159.2% 88.0%
Equity 26.55
61.63
71.39
112.10
growth rate 132.1% 15.9% 57.0%
Common Shares 4.00
4.00
4.00
4.00
5.00
growth rate 0.0% 0.0% 0.0% 25.0%
Cash Flow Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Capital Expenditures 0.40
0.49
3.43
1.14
growth rate 24.8% 595.9% -66.8%
Cash Dividends 0.01
0.01
growth rate 0.0%
Cash From OA 0.55
2.26
0.64
-2.62
growth rate 311.7% -71.7% -100.0%
FCF per Share 0.23
-0.66
0.22
growth rate -100.0% 100.0%
Sale Purchase of Stock 37.40
5.66
growth rate -84.9%
FCF 1.00
0.15
2.00
-3.00
-4.00
growth rate -84.6% 1,198.7% -100.0% 0.0%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16
Sales 7.03
7.03
13.48
24.11
growth rate 0.1% 91.6% 79.0%
Op.Income 0.14
-2.46
-2.23
-0.04
growth rate -100.0% 0.0% 0.0%
IBT 0.25
-4.05
-4.55
0.13
growth rate -100.0% 0.0% 100.0%
Net Income 0.14
-2.46
-2.23
-0.04
growth rate -100.0% 0.0% 0.0%
EPS -0.58
-0.56
-0.01
growth rate 0.0% 0.0%

Quarterly Statements

Item Name Sep '16 Dec '16 Mar '17 Jun '17 Sep '17
Earnings BIT 0.57
-0.34
2.86
3.01
2.77
growth rate -100.0% 100.0% 5.1% -7.9%
Balance Sheet Sep '16 Dec '16 Mar '17 Jun '17 Sep '17
Acct.Receivable 1.11
2.08
1.87
2.04
2.08
growth rate 87.1% -10.0% 8.9% 2.2%
Acct.Payable
growth rate
Cur.Assets
growth rate
Total Assets 563.99
931.44
956.38
955.89
943.63
growth rate 65.2% 2.7% -0.1% -1.3%
Cash 120.95
166.21
186.41
173.36
164.58
growth rate 37.4% 12.2% -7.0% -5.1%
Inventory
growth rate
Cur.Liabilities
growth rate
Liabilities 491.28
819.33
842.32
839.38
825.36
growth rate 66.8% 2.8% -0.4% -1.7%
LT Debt
growth rate
Equity 72.71
112.10
114.05
116.51
118.27
growth rate 54.2% 1.7% 2.2% 1.5%
Common Shares 0.05
0.08
0.08
0.08
0.08
growth rate 50.9% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '16 Dec '16 Mar '17 Jun '17 Sep '17
Capital Expenditures -0.25
0.37
0.20
0.20
0.29
growth rate 100.0% -46.5% 0.0% 47.2%
Cash Dividends
growth rate
Cash From OA 1.37
-3.03
2.44
4.34
5.36
growth rate -100.0% 100.0% 78.0% 23.6%
Sale Purchase of Stock 0.27
0.27
0.27
0.27
0.02
growth rate 0.0% 0.0% 0.0% -93.6%
FCF 1.12
-3.40
2.24
4.14
5.07
growth rate -100.0% 100.0% 84.8% 22.5%
Income Statement Sep '16 Dec '16 Mar '17 Jun '17 Sep '17
Sales 5.52
8.10
9.56
9.98
10.11
growth rate 46.9% 18.0% 4.4% 1.3%
Op.Income 0.24
-0.51
growth rate -100.0%
IBT 0.37
-0.55
2.60
2.78
2.51
growth rate -100.0% 100.0% 6.8% -9.6%
Net Income 0.24
-0.51
1.63
1.80
1.58
growth rate -100.0% 100.0% 10.5% -12.5%
Gross Profit
growth rate
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (13.57)

YOY Growth Grade:

E (23.13)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 38.95 38.95 23.17
EPS / Growth 0.59

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 50.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 40.0% 50.0% 51.2%
Future PE 23.17 33.69 54.82
Future EPS 17.04 33.96 36.71
Value Price
MOS %
97.58
282.85
497.44
MOS Price 48.79 141.43 248.72
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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