Severn Bancorp Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Severn Bancorp Inc (SVBI) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Severn Bancorp Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 48M vs 131,523M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+19.1% annualized vs trailing 12 months), vs decelerating (-21.7%) for its tracked peer group.
- Growth: Severn Bancorp Inc generated 56.9% revenue growth year over year in Q1 2021, vs 5.3% for its tracked competitors combined.
- Profitability: Its 27.6% net margin compares with 34.8% for the peer group.
- Peer revenue share: Severn Bancorp Inc accounted for 0.1% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.31M compares with $0.55M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
SVBI Sales vs. its Competitors, Q1 2021
Severn Bancorp Inc reported revenue growth of 56.89 % year on year in Q1 2021, above its competitors' combined revenue growth of 5.31 %.
With a net margin of 27.61 %, Severn Bancorp Inc reported lower profitability than its competitors (34.78 %).
Severn Bancorp Inc generated 0.06 % of the combined sales of its peer group, up from 0.04 % a year earlier.
Severn Bancorp Inc vs. its Competitors, Q1 2021
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Severn Bancorp Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Severn Bancorp Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Severn Bancorp Inc's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue 4.0% year over year, combined, vs 56.9% for Severn Bancorp Inc. Severn Bancorp Inc's share of combined industry revenue moved from 0.00% to 0.01%, a gain of 0.00 percentage points.
Severn Bancorp Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Severn Bancorp Inc | - | - | - | - |
| Competitors combined (31) | ||||
| High-Confidence Competitors (1) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
SVBI Stock Performance relative to its Competitors
SVBI Stock Performance relative to High-Confidence Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Kentucky First Federal Bancorp | 282.9% | Outperformed |
| 3 | Cf Bankshares Inc | 282.9% | Outperformed |
| 4 | First Capital inc | 282.9% | Outperformed |
| 5 | Premier Financial Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Severn Bancorp Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Severn Bancorp Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Severn Bancorp Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Severn Bancorp Inc | 176.43 | 47.57 |
| Bank Of America Corporation | 393,412.68 | 121,098.00 |
| Wintrust Financial Corp | 9,684.32 | 2,761.82 |
| First Financial Bankshares Inc | 4,560.99 | 637.20 |
| Tfs Financial Corporation | 4,538.86 | 347.23 |
| Texas Capital Bancshares Inc | 4,098.69 | -637.40 |
| SUBTOTAL | 434,957.30 | 131,570.56 |
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Sources: Severn Bancorp Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Severn Bancorp Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Severn Bancorp Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Shore Bancshares Inc | Named by the company | 85% |
| Texas Capital Bancshares Inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Severn Bancorp Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Severn Bancorp Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Northrim Bancorp Inc | Community Banking 69.21 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Severn Bancorp Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Severn Bancorp Inc | 176 | 312,967 | 66,020 |
| Bank Of America Corporation | 393,413 | 568,535 | 158,005 |
| Wintrust Financial Corp | 9,684 | 467,946 | 146,512 |
| First Financial Bankshares Inc | 4,561 | 398,252 | 168,133 |
| Tfs Financial Corporation | 4,539 | 362,452 | 106,119 |
| Texas Capital Bancshares Inc | 4,099 | -357,087 | 204,261 |
| PEERS TOTAL | 434,781 | 547,641 | 155,177 |
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Severn Bancorp Inc's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (45 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 15.3x | 15.4x | -0.1x |
| EV / EBITDA | -7.0x | 6.2x | -13.2x |
| P/B | 1.4x | 1.3x | +0.1x |
| Return on Equity | 9.09 % | industry aggregate | -2.88 % |
| Return on Invested Capital | - | 3.35 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Severn Bancorp Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -54.66 % | 95.90 % | 7.03 % | 3.71 % | 2.94 % | 25.11 % | 8.22 % | 2.82 % |
| Operating Margin | - | - | 16.20 % | - | 25.72 % | 30.28 % | 28.13 % | 22.11 % |
| Return on Invested Capital | - | - | 1.62 % | - | 2.70 % | 4.01 % | 4.30 % | 3.60 % |
| P/E | - | - | 28.2x | 5.9x | 36.6x | 12.5x | 13.6x | 13.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Severn Bancorp Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+19.1% annualized vs trailing 12 months).
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 12.6% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-21.7% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Severn Bancorp Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Severn Bancorp Inc | 0.26 | 1.11 | 0.19 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wintrust Financial Corp | 0.09 | 0.04 | 0.16 |
| First Financial Bankshares Inc | 0.01 | 0.70 | 0.01 |
| Tfs Financial Corporation | 1.02 | 176.49 | - |
| Texas Capital Bancshares Inc | 0.04 | 1.53 | 0.25 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Severn Bancorp Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Severn Bancorp Inc | Q1 2021 | - | -1.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wintrust Financial Corp | Q2 2026 | +10.3 % | +19.5 % |
| First Financial Bankshares Inc | Q2 2026 | +9.8 % | +7.9 % |
| Tfs Financial Corporation | Q2 2026 | +15.2 % | +40.1 % |
| Texas Capital Bancshares Inc | Q2 2026 | - | +9.9 % |
| PEERS TOTAL | +13.6 % | +25.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Severn Bancorp Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Severn Bancorp Inc | Q1 2021 | - | -93.2 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wintrust Financial Corp | Q2 2026 | +4.0 % | - |
| First Financial Bankshares Inc | Q2 2026 | +33.6 % | +232.0 % |
| Tfs Financial Corporation | Q2 2026 | - | +101.2 % |
| Texas Capital Bancshares Inc | Q2 2026 | +20.0 % | +80.3 % |
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Severn Bancorp Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Severn Bancorp Inc | 0.97% | 7.12% | 9.09% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wintrust Financial Corp | 1.20% | 3.12% | 11.84% |
| First Financial Bankshares Inc | 1.76% | 5.03% | 14.00% |
| Tfs Financial Corporation | 0.58% | 0.58% | 5.30% |
| Texas Capital Bancshares Inc | 1.11% | 2.98% | 10.04% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Severn Bancorp Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Severn Bancorp Inc | 17.43 | 3.71 |
| Bank Of America Corporation | 12.43 | 3.25 |
| Wintrust Financial Corp | 10.74 | 3.51 |
| First Financial Bankshares Inc | 16.97 | 7.16 |
| Tfs Financial Corporation | 44.67 | 13.07 |
| Texas Capital Bancshares Inc | 12.14 | - |
| PEERS AVERAGE | 11.67 | 3.31 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.