Company Quick10K Filing
Southwest Georgia Financial
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 3 $55
10-Q 2019-11-13 Quarter: 2019-09-30
10-Q 2019-08-13 Quarter: 2019-06-30
10-Q 2019-05-14 Quarter: 2019-03-31
10-K 2019-03-29 Annual: 2018-12-31
10-Q 2018-11-14 Quarter: 2018-09-30
10-Q 2018-08-14 Quarter: 2018-06-30
10-Q 2018-05-15 Quarter: 2018-03-31
10-K 2018-03-30 Annual: 2017-12-31
10-Q 2017-11-14 Quarter: 2017-09-30
10-Q 2017-08-14 Quarter: 2017-06-30
10-Q 2017-05-15 Quarter: 2017-03-31
10-K 2017-03-31 Annual: 2016-12-31
10-Q 2016-11-14 Quarter: 2016-09-30
10-Q 2016-08-15 Quarter: 2016-06-30
10-Q 2016-05-16 Quarter: 2016-03-31
10-K 2016-03-30 Annual: 2015-12-31
10-Q 2015-11-13 Quarter: 2015-09-30
10-Q 2015-08-14 Quarter: 2015-06-30
10-Q 2015-05-15 Quarter: 2015-03-31
10-K 2015-03-31 Annual: 2014-12-31
10-Q 2014-11-14 Quarter: 2014-09-30
10-Q 2014-08-14 Quarter: 2014-06-30
10-Q 2014-05-15 Quarter: 2014-03-31
10-K 2014-03-31 Annual: 2013-12-31
10-Q 2013-11-14 Quarter: 2013-09-30
10-Q 2013-08-14 Quarter: 2013-06-30
10-Q 2013-05-15 Quarter: 2013-03-31
10-K 2013-04-01 Annual: 2012-12-31
10-Q 2012-11-14 Quarter: 2012-09-30
10-Q 2012-08-14 Quarter: 2012-06-30
10-Q 2012-05-15 Quarter: 2012-03-31
10-K 2012-03-30 Annual: 2011-12-31
10-Q 2011-11-14 Quarter: 2011-09-30
10-Q 2011-08-15 Quarter: 2011-06-30
10-Q 2011-05-16 Quarter: 2011-03-31
10-K 2011-03-31 Annual: 2010-12-31
10-Q 2010-11-15 Quarter: 2010-09-30
10-Q 2010-08-16 Quarter: 2010-06-30
10-Q 2010-05-14 Quarter: 2010-03-31
10-K 2010-03-31 Annual: 2009-12-31
8-K 2020-03-25 Other Events, Exhibits
8-K 2020-03-25 Other Events
8-K 2020-03-18 Other Events
8-K 2020-02-26 Other Events, Exhibits
8-K 2020-01-13 Officers
8-K 2020-01-13 Officers
8-K 2020-01-07 Officers
8-K 2019-12-31 Earnings, Exhibits
8-K 2019-12-18 Enter Agreement, Officers, Other Events, Exhibits
8-K 2019-12-03 Officers
8-K 2019-11-20 Other Events, Exhibits
8-K 2019-10-01 Officers
8-K 2019-09-30 Earnings, Exhibits
8-K 2019-08-28 Other Events, Exhibits
8-K 2019-05-29 Shareholder Vote, Other Events, Exhibits
8-K 2019-03-31 Earnings, Exhibits
8-K 2019-02-27 Other Events, Exhibits
8-K 2019-01-02 Officers, Exhibits
8-K 2018-12-31 Earnings, Exhibits
8-K 2018-12-26 Officers
8-K 2018-11-28 Other Events, Exhibits
8-K 2018-09-30 Earnings, Exhibits
8-K 2018-08-29 Other Events, Exhibits
8-K 2018-06-30 Earnings, Exhibits
8-K 2018-06-30 Earnings, Exhibits
8-K 2018-06-30 Earnings, Exhibits
8-K 2018-05-23 Shareholder Vote, Other Events, Exhibits
8-K 2018-03-31 Earnings, Exhibits
8-K 2018-02-28 Other Events, Exhibits
8-K 2018-01-03 Officers, Exhibits
8-K 2017-12-31 Earnings, Exhibits

Southwest Georgia Financial Financials

SGB Metrics, Comps, Filings

Annual | Quarterly

Business

Southwest Georgia Financial Corporation (the “Corporation”) is a Georgia bank holding company organized in 1980, which, in 1981, acquired 100% of the outstanding shares of Southwest Georgia Bank (the “Bank”). The Bank commenced operations as Moultrie National Bank in 1928. The Bank is a state-chartered bank insured by the Federal Deposit Insurance Corporation (the “FDIC”).

The Corporation's primary business is providing banking services through the Bank to individuals and businesses principally in the following counties: Colquitt, Baker, Worth, Lowndes, and Tift as well as the surrounding counties of southwest Georgia. Empire Financial Services, Inc. (“Empire”), a provider of commercial mortgage banking services has been wholly owned by the Bank since 2001. In December 2017, the Bank dissolved Empire. The executive office of the Corporation is located at 25 Second Avenue, S. W., Moultrie, Georgia 31768, and its telephone number is (229) 985-1120.

All references herein to the Corporation include Southwest Georgia Financial Corporation and the Bank unless the context indicates a different meaning.


Valuation ($MM)

Market Cap, Enterprise Value

Balance Sheet ($MM)

Assets, Stockholders' Equity

Income Statement ($MM Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($MM Annual)

Operating, Investing, Financing

Comps ($'000 TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Citizens Holding (CIZN) 97,749 5.4 1% 1,034,031 937,895 0 0 5,810 13,981 75,995
Emclaire Financial (EMCF) 88,585 0% 3.8 1% 908,950 824,593 3,618 0 5,659 14,950 57,129
Randolph Bancorp (RNDB) 88,205 10.0 0% 652,569 573,216 0 0 1,086 7,683 77,030
Community West Bancshares (CWBC) 84,018 0% 1.2 1% 905,567 827,738 462 0 6,818 21,966 26,837
Fauquier Bankshares (FBSS) 79,711 6.6 1% 717,528 653,422 0 0 6,172 12,047 79,711
American River Bankshares (AMRB) 78,513 8.5 1% 689,211 608,292 0 0 4,700 8,578 72,487
United Bancshares (UBOH) 75,192 2.7 1% 855,412 767,358 0 0 8,320 20,528 54,849
Ameriserv Financial (ASRV) 72,910 1.9 1% 1,190,583 1,089,107 0 0 7,927 23,235 44,769
Pathfinder Bancorp (PBHC) 70,615 4.7 0% 1,012,856 925,012 0 0 3,223 17,154 80,707
First US Bancshares (FUSB) 68,509 1.8 1% 777,171 693,423 0 0 3,956 12,880 23,650
United Bancorp (UBCP) 64,613 0% 3.2 1% 648,627 591,647 1,407 0 5,182 12,188 39,321
Citizens First (CZFC) 63,328 5.1 1% 472,081 420,695 0 0 4,854 10,980 56,330
Bank of The James Financial Group (BOTJ) 61,538 0% 2.4 1% 690,095 630,846 1,842 0 5,490 12,367 29,408
Patriot National Bancorp (PNBK) 58,996 0.5 -0% 977,767 909,477 0 0 -237 17,116 7,880
Southwest Georgia Financial (SGB) 54,607 2.1 1% 552,475 505,416 0 0 4,794 11,215 23,985
Village Bank & Trust Financial (VBFC) 49,125 0% 5.4 1% 536,534 496,855 24,290 0 3,430 9,034 49,125
Melrose Bancorp (MELR) 43,922 3.9 0% 325,988 283,480 0 0 1,610 6,538 25,764
HV Bancorp (HVBC) 33,353 0% 3.3 0% 344,195 311,515 179 0 879 4,000 13,119
Glen Burnie Bancorp (GLBZ) 31,316 5.7 0% 377,613 342,723 0 0 1,304 3,734 21,378
WCF Bancorp (WCFB) 21,773 10.7 -0% 133,421 105,392 0 0 -73 1,641 17,608

Balance Sheet ($'000)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash21,05036,58135,3706761,91926,52034,13835,499
Accounts Receivable
Inventory
PP&E9,94210,14923,11711,75611,15711,20912,25014,574
Assets305,65029,87531,41934,33536,09838,42241,143534,833
Accounts Payable
Long-Term Debt22,06728,47626,02929,05721,171
Liabilities277,099000000491,214
Stockholders' Equity28,55129,87531,42034,33536,09838,42241,14343,619
Income Statement ($'000)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Revenue3956721,0102,697232,026
Cost of Revenue
Gross Profit
R&D
SG&A264
Tax0-56-6625572596488668
Net Income1,4611,9392,7722,9043,3744,0343,8074,647
Cash Flow ($'000)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash Operating4,6083065518642,609-801,9176,561
Cash Investing-6,75397404-34717880-47,250
Cash Financing7,125-407-510-815-1,019-1,077-1,24342,049