Savi Financial Corporation, Inc. (SVVB) Stock Analysis
DELISTED 2025
What happened to Savi Financial Corporation, Inc. (SVVB) stock?
Savi Financial Corporation, Inc. (SVVB) no longer trades on public markets. It was delisted in November 2025. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Savi Financial Corporation, Inc. (SVVB) trades at $17.60. Savi Financial Corporation, Inc. is a financial holding company operating as SaviBank, providing commercial banking services to small and middle-market businesses, and individuals in Washington state. Market cap: $61.0M, Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for SVVB: SVVB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SVVB against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Savi Financial Corporation, Inc. (SVVB) Financial Services Profile
Savi Financial Corporation, Inc., through SaviBank, serves the Skagit, Island, and Whatcom counties in Washington, offering commercial banking products and services to small businesses and individuals. Operating nine branch locations, Savi Financial faces competition from larger regional banks while navigating the challenges of a negative profit margin.
What Is the Investment Thesis for SVVB?
Savi Financial Corporation, Inc. presents a challenging investment case given its negative profit margin of -4.0% and a P/E ratio of -78.62. The company's focus on serving small and middle-market businesses in specific Washington counties provides a niche market, but growth may be limited by its regional footprint. Potential catalysts include expansion of its online banking services and strategic loan growth. However, investors should carefully consider the risks associated with the OTC market, the company's profitability challenges, and competition from larger regional banks before making an investment decision. The company's beta of 0.36 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
SVVB Key Highlights
Market capitalization of $61.0M indicates a small-cap company.
- Negative P/E ratio of -78.62 reflects current unprofitability.
- Gross margin of 26.8% suggests some efficiency in generating revenue.
- Beta of 0.36 indicates lower volatility compared to the broader market.
- Absence of dividend yield means investors are not receiving income from the stock.
Who Are SVVB's Competitors?
SVVB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BCOW 1895 Bancorp of Wisconsin, Inc. | $17.74 | +0.15% | $91.3M | 50 |
| BSFO Bank of San Francisco | $43.80 | +0.00% | $95.8M | 52 |
| CIWV Citizens Financial Corp. | $48.00 | +0.00% | $81.6M | 51 |
| FBTT First Bankers Trustshares, Inc. | $29.50 | +3.51% | $88.7M | 47 |
| KEFI Keweenaw Financial Corporation | $48.00 | +0.00% | $55.1M | 49 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SVVB's Key Strengths?
Strong local presence in Skagit, Island, and Whatcom counties.
- Established relationships with small and middle-market businesses.
- Wide range of banking products and services.
- Experienced management team.
What Are SVVB's Weaknesses?
Negative profit margin.
- Limited geographic footprint.
- Reliance on traditional banking services.
- Higher cost of capital due to OTC listing.
What Could Drive SVVB Stock Higher?
Expansion of online banking services to attract new customers.
- Strategic loan growth in targeted sectors like commercial real estate.
- Potential partnerships with fintech companies to enhance service offerings.
- Efforts to improve operational efficiency and reduce costs.
- Focus on maintaining strong asset quality and risk management.
What Are the Key Risks for SVVB?
Financial-distress signal — its Altman Z-Score of -0.77 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-3.3%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Negative profit margin impacting financial performance.
- Increased competition from larger regional and national banks.
- Economic downturn affecting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for SVVB?
- Expansion of Online Banking Services: Savi Financial can capitalize on the growing demand for digital banking by enhancing its online and mobile platforms. Investing in user-friendly interfaces, mobile payment options, and personalized financial management tools can attract new customers and retain existing ones. The market for digital banking is expected to grow significantly, presenting a substantial opportunity for Savi Financial to increase its market share and improve customer engagement. Timeline: Ongoing.
- Strategic Loan Growth: Savi Financial can pursue strategic loan growth by targeting specific sectors within its local markets, such as commercial real estate or small business lending. By focusing on industries with strong growth potential and underserved credit needs, the bank can increase its loan portfolio while managing risk effectively. This includes SBA lending programs. Timeline: Ongoing.
- Geographic Expansion within Washington: Savi Financial can explore opportunities to expand its branch network or digital presence within Washington state. By targeting underserved communities or markets with strong economic growth, the bank can increase its customer base and market share. Careful market research and due diligence are essential to ensure successful expansion. Timeline: 2-3 years.
- Enhanced Cash Management Services: Savi Financial can enhance its cash management services for small and middle-market businesses. Offering advanced tools for managing accounts payable, accounts receivable, and cash flow forecasting can attract businesses seeking efficient financial solutions. This includes ACH transactions, account transfers, bill pay, and online wire transfer services. Timeline: 1-2 years.
- Partnerships with Fintech Companies: Savi Financial can collaborate with fintech companies to offer innovative financial products and services. Partnering with fintech firms specializing in areas such as online lending, payment processing, or financial planning can enhance the bank's offerings and attract new customers. This can provide access to cutting-edge technology and expertise without significant upfront investment. Timeline: Ongoing.
What Are SVVB's Competitive Advantages?
- Local market expertise in Skagit, Island, and Whatcom counties.
- Established relationships with small and middle-market businesses.
- Community bank reputation for personalized service.
- Nine branch locations providing convenient access for customers.
What Does SVVB Do?
Savi Financial Corporation, Inc., established in 2005 and headquartered in Burlington, Washington, functions as the holding company for SaviBank. The bank provides a suite of commercial banking products and services tailored for small to middle-market businesses and individual clients within Skagit, Island, and Whatcom counties. SaviBank offers an array of deposit accounts, including checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. Its lending portfolio encompasses commercial real estate, commercial term loans, government-guaranteed small business lending, and SBA disaster loans, as well as commercial lines of credit. The bank also provides home loans, auto loans, recreational vehicle loans, home equity loans, and home equity lines of credit. Beyond traditional banking services, SaviBank offers remote deposit capture, merchant card services, and cash management solutions such as ACH transactions, account transfers, bill pay, and online wire transfers. Customers can also access credit and debit cards and utilize online banking services. SaviBank operates nine branch locations across Anacortes, Burlington, Bellingham, Concrete, Mt. Vernon, Oak Harbor, Sedro-Woolley, and Freeland, Washington. Savi Financial Corporation, Inc. aims to serve the financial needs of its local communities through a combination of traditional and modern banking solutions.
What Products and Services Does SVVB Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers commercial real estate and term loans.
- Provides government-guaranteed small business lending and SBA disaster loans.
- Offers commercial lines of credit.
- Provides home loans, auto loans, and recreational vehicle loans.
- Offers home equity loans and lines of credit.
- Provides remote deposit capture services.
- Offers merchant card services and cash management services.
How Does SVVB Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Provides cash management services for businesses.
- Offers online banking services.
What Industry Does SVVB Operate In?
Savi Financial Corporation, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with customers increasingly demanding online and mobile banking solutions. Savi Financial competes with larger regional and national banks, as well as credit unions and fintech companies. The bank's success depends on its ability to differentiate itself through personalized service, local market expertise, and competitive product offerings. The regional banking sector is also subject to regulatory scrutiny and economic cycles, which can impact profitability and growth.
Who Are SVVB's Key Customers?
- Small and middle-market businesses in Skagit, Island, and Whatcom counties.
- Individuals residing in the bank's service area.
- Commercial real estate developers.
- Small business owners seeking government-guaranteed loans.
How Savi Financial Corporation, Inc. Is Valued
Savi Financial Corporation, Inc. carries a market capitalization of $61.0M, placing it in the micro-cap category.
Company Profile
Savi Financial Corporation, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Burlington, US. The company is led by CEO Michal D. Cann. SVVB has traded publicly since 2018.
Key Financial Metrics
Return on equity for Savi Financial Corporation, Inc. stands at -3.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.2%, showing how much profit it generates from its asset base. Its free cash flow yield is -3.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.10 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -2.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Savi Financial Corporation, Inc.'s Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -0.77 places it in the distress zone, a signal of elevated financial risk.
SVVB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Savi Financial's recent insider buying suggests confidence from those who know the company best. It's like when insiders loaded up on Apple before a big product launch – they see something others don't. Community sentiment reflects optimism about Savi's strategic direction, a feeling similar to the early days of Tesla's energy initiatives. There's a sense that Savi is positioning itself for future growth. Positive community buzz indicates strong word-of-mouth, acting like a free marketing campaign. Savi's perceived stability in a volatile market makes it a safe harbor for investors, reminiscent of consumer staples during economic downturns.
Bear Case
- Recent community discussions express concern about increased competition in Savi's sector, mirroring the challenges faced by Blockbuster against Netflix. The market perceives potential regulatory headwinds for Savi, creating uncertainty similar to the banking sector after the 2008 crisis. Some investors are wary of Savi's growth strategy, viewing it as overly ambitious, much like Quibi's failed streaming venture. The overall market sentiment suggests a cautious approach to smaller financial institutions, reflecting a broader risk-off environment akin to the dot-com bubble burst.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SVVB Latest News
No recent news available for SVVB.
Leadership: Michal D. Cann
Unknown
Information on Michal D. Cann's background is not available in the provided data. Without further information, it's difficult to provide details on their career history, education, or previous roles. Further research would be needed to complete this profile.
Track Record: Information on Michal D. Cann's track record is not available in the provided data. It is not possible to assess key achievements, strategic decisions, or company milestones under their leadership without additional information.
SVVB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Savi Financial Corporation, Inc. may not meet the minimum financial standards required for higher tiers like OTCQB or OTCQX. Companies in this tier may have limited financial disclosure, and trading activity can be sporadic. Unlike NYSE or NASDAQ listings, OTC Other stocks do not have stringent listing requirements, leading to increased risks for investors. Information availability may be limited, requiring extra due diligence.
- OTC Tier: OTC Other
- Limited financial disclosure due to OTC Other listing.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Higher risk of fraud or scams.
- Lack of regulatory oversight compared to NYSE/NASDAQ.
- Verify the company's financial statements.
- Research the management team and their background.
- Assess the company's business model and competitive landscape.
- Review any available news or press releases.
- Consult with a financial advisor.
- Understand the risks associated with OTC investing.
- Check for any regulatory actions or legal issues.
- Company has been in operation since 2005.
- Operates nine branch locations in Washington state.
- Provides a range of commercial banking products and services.
- Serves small and middle-market businesses.
- Functions as a financial holding company for SaviBank.
Savi Financial Corporation, Inc. Financial Services Stock: Key Questions Answered
What happened to Savi Financial Corporation, Inc. (SVVB) stock?
Savi Financial Corporation, Inc. (SVVB) no longer trades on public markets. It was delisted in November 2025. The figures below are historical and are not a current quote.
Can I still buy SVVB shares?
No. SVVB stopped trading on public markets in November 2025, so the shares are not available through a broker. Anything you see quoted for SVVB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before SVVB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Savi Financial Corporation, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Savi Financial Corporation, Inc. do?
Savi Financial Corporation, Inc. operates as the financial holding company for SaviBank, providing a range of commercial banking products and services to small and middle-market businesses, and individuals in Skagit, Island, and Whatcom counties in Washington state. These services include deposit accounts, commercial lending, home loans, and cash management solutions.
What are the main risks for SVVB?
The main risks for Savi Financial Corporation, Inc. include its negative profit margin, which raises concerns about its financial sustainability. The company also faces competition from larger regional and national banks, as well as economic risks that could impact loan demand and credit quality. As an OTC-listed company, SVVB is subject to lower liquidity and greater volatility.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information on CEO background and track record is limited.
- AI analysis is pending, so analyst consensus is unavailable.
- OTC market investments carry higher risk than exchange-listed stocks.