Provides business banking services, including financing and related services. Offers personal banking services such as checking, savings, and online/mobile banking. Now — the numbers.
This is an established company with proven profits.
Average growth of 23% a year over the last 4 years. Every year shown ended in profit.
The market pays 11.2× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 82% of them.
Analysts' average target sits 15% above today's price.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 23% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 23% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 47/100.
On our five-subject report card, SMBC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: SMBC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.