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Profile - Southern Fin'l Bancorp (NasdaqNM:SFFB)
As of 31-Aug-2001
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Recent Events
Aug 20Dividend payment of $0.12
Location
37 East Main Street
Warrenton, VA 20186
Phone: (540) 349-3900
Fax: (540) 349-3904
Employees (last reported count): 170
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 27%
·Over the last 6 months:
 · 3 insider buys; 1,000  shares (0.1% of insider shares)
·Institutional: 11% (15% of float)
(17 institutions)
·Net Inst. Buying: 68.0K shares (+17.57%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Southern Financial Bancorp, Inc. (Southern Financial) serves the retail and commercial financial market as a deposit and loan specialist from 19 full-service offices located in Warrenton, Herndon, Middleburg, Winchester, Leesburg, Fairfax, Sterling, Woodbridge, Manassas, Fredericksburg and Springfield, Virginia. Southern Financial's defined market area forms a semi-circle to the west of the metropolitan Washington, D.C. area, roughly centered on Warrenton. The counties included in the defined market area where the Company operates branches include Loudoun, Fauquier, Fairfax, Frederick and Prince William and the cities of Fredericksburg and Winchester. Other counties in this area include Spotsylvania, Culpeper, Rappahanock, Clarke and the three counties in the West Virginia panhandle. The Company's principal business is the acquisition of deposits from the general public through its home and branch offices, and the use of these deposits to fund its loan and investment portfolios.
More from Market Guide: Expanded Business Description

Financial Summary
Southern Financial Bancorp is the holding company for Southern Financial Bank, a state chartered commercial bank. For the six months ended 6/30/01, total interest income increased 53% to $25.4 million. Net interest income after loan loss provision increased 28% to $10.1 million. Net income rose 53% to $3.8 million. Net interest income reflects increased earning asset balances, partially offset by a higher loan loss provision. Earnings reflect higher investment gains.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Georgia Derrico, 56
Chairman, CEO
$470K$36K
R. Roderick Porter, 55
Pres, COO
340K--  
Patricia Ferrick, 38
CFO, Sr. VP
--  --  
David De Give, 58
Sr. VP
--  --  
Richard Steele, 53
Sr. VP of the Bank
145K--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:SFFBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 19-Dec-2000
$11.375
Recent Price$25.25 
52-Week High
on 10-July-2001
$26.51 
Beta0.24 
Daily Volume (3-month avg)7,682 
Daily Volume (10-day avg)6,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+62.9%
52-Week Change
relative to S&P500
+118.5%
Share-Related Items
Market Capitalization$76.5M
Shares Outstanding3.03M
Float2.20M
Dividends & Splits
Annual Dividend (indicated)$0.48 
Dividend Yield1.90%
Last Split: 4 for 3 on 16-Feb-1996
Per-Share Data
Book Value (mrq)$14.42 
Earnings (ttm)$2.12 
Earnings (mrq)$0.69 
Sales (ttm)$15.39 
Cash (mrq)$7.25 
Valuation Ratios
Price/Book (mrq)1.75 
Price/Earnings (ttm)11.88 
Price/Sales (ttm)1.64 
Income Statements
Sales (ttm)$46.6M
EBITDAN/A 
Income available to common (ttm)$6.46M
Profitability
Profit Margin (ttm)13.9%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.08%
Return on Equity (ttm)16.60%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$21.9M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume7,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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