10 Year Financial Data of State Bank Financial Corp (STBZ)

15.02 (1y: +0%)

Market Cap	483.5 M	P/E(ttm)	30.20
Enterprise Value	487.11 M	P/B	1.10

STBZ- NAS (USA)
State Bank Financial Corp

Not Rated

Top Ranked Predictable Companies

$15.02

3 Severe Warning Signs 1 Medium Warning Sign 3 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	0	0	-28.8
EBITDA Growth (%)	0	0	-53.8
Free Cash Flow Growth (%)	0	0	16.3
Book Value Growth (%)	0	0	7.4

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	1.70	5.02	5.72	4.24	4.00	0.97	1.38	0.94	0.96	0.72
EBITDA per Share	0.93	2.42	2.14	1.19	0.91	0.27	0.56	0.16	0.21	-0.02
Free Cashflow per Share	0.21	8.10	4.76	5.82	6.57	2.19	0.92	2.93	-0.21	2.93
Earnings per Share ($)	0.26	1.40	1.32	0.69	0.50	0.16	0.34	0.10	0.10	-0.04
Dividends Per Share	--	--	--	0.06	0.09	--	--	0.03	0.03	0.03
Book Value per Share	9.78	11.07	12.18	13.08	13.38	12.46	12.82	13.05	12.97	13.38
Month End Stock Price	--	--	15.11	15.88	16.37	17.51	15.16	16.49	15.88	16.37
Ratios	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	5.70	12.70	10.80	5.30	-1.20	5.20	10.40	3.20	2.80	-1.20
Return on Assets %	0.70	1.60	1.60	0.90	--	0.80	1.60	0.40	0.40	--
Debt to Equity	0.02	--	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01

Operating Margin %	51.90	44.70	35.70	25.20	-7.70	26.00	39.20	14.90	14.60	-7.70
Net Margin %	32.80	27.90	23.00	16.30	-5.10	16.20	24.40	10.90	10.10	-5.10

Debt to Revenue	0.09	--	0.01	0.02	0.17	0.08	0.06	0.08	0.08	0.17
Interest Exp. to Revenue %	80.76	80.34	77.83	114	155	112	103	111	136	155

Asset Turnover	0.02	0.06	0.07	0.05	0.01	0.01	0.02	0.01	0.01	0.01
Buyback Ratio	-1,645	-2.00	--	-0.70	8.70	--	--	-4.00	-1.00	8.70
Dividend Payout Ratio	--	--	--	0.09	--	--	--	0.29	0.31	--
Income Statement	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	43.72	131	145	159	159	35.48	46.37	34.20	43.23	35.46
Non Interest Income	10.41	32.05	41.37	-19.77	-28.59	-3.78	-1.24	-3.25	-11.49	-12.60
Revenue	54.13	163	187	140	131	31.70	45.13	30.95	31.74	22.86

Selling, General, &Admin. Expense	14.13	45.56	58.46	64.20	68.32	15.51	15.69	14.96	18.05	19.63
Credit Losses Provision	2.95	3.96	26.52	15.12	12.83	0.25	5.03	6.49	3.35	-2.04
Other Expenses	7.35	35.04	31.89	20.99	19.82	7.10	6.13	4.31	3.45	5.93
Earnings Before DDA	29.69	78.50	69.73	39.22	29.71	8.84	18.29	5.19	6.90	-0.66

Depreciation, Depletion and Amortization	1.58	5.64	3.20	4.05	4.55	0.61	0.61	0.57	2.26	1.11

Operating Income	28.11	72.86	66.53	35.16	25.16	8.23	17.68	4.62	4.63	-1.77
Net Income	17.78	45.55	43.01	22.74	16.45	5.14	11.03	3.36	3.22	-1.16

Earnings per Share ($)	0.26	1.40	1.32	0.69	0.50	0.16	0.34	0.10	0.10	-0.04
Total Shares Outstanding	31.78	32.47	32.62	32.89	31.91	32.80	32.78	32.81	33.18	31.91
Balance Sheet	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	200	386	221	445	468	210	286	353	445	468
Money Market Investments	--	--	529	--	--	--	--	--	--	--
Net Loan	1,179	1,276	1,450	1,395	1,407	1,483	1,490	1,432	1,395	1,407
Securities & Investments	318	406	350	304	352	323	281	311	304	352
Accounts Receivable	--	--	--	368	259	--	420	356	368	259
Property, Plant and Equipment	2.30	31.91	36.76	35.36	35.38	36.97	38.30	38.28	35.36	35.38
Intangible Assets	12.33	9.19	8.44	19.87	13.20	8.20	7.92	7.67	19.87	13.20
Other Assets	786	719	152	95.59	108	616	148	146	95.59	108
Total Assets	2,498	2,829	2,747	2,663	2,642	2,677	2,670	2,644	2,663	2,642

Total Deposits	2,154	2,422	2,298	2,148	2,148	2,189	2,165	2,124	2,148	2,148
Accounts Payable	--	--	10.53	7.77	10.60	--	7.16	8.96	7.77	10.60
Current Portion of Long-Term Debt	--	--	--	--	--	--	--	--	--	--
Long-Term Debt	5.00	--	2.54	2.52	3.86	2.54	2.53	2.53	2.52	3.86
Other liabilities	28.40	47.31	38.11	74.02	52.60	76.74	75.35	79.76	74.02	52.60
Total Liabilities	2,187	2,469	2,350	2,233	2,215	2,268	2,250	2,216	2,233	2,215

Common Stock	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32	0.32
Retained Earnings	18.02	63.57	107	127	125	112	123	125	127	125
Additional Paid-In Capital	292	293	293	294	294	293	293	294	294	294
Total Equity	311	359	397	430	427	409	420	428	430	427
Cashflow Statement	Annuals (USD $) View: $ %					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	17.78	45.55	43.01	22.74	16.45	5.14	11.03	3.36	3.22	-1.16
Depreciation, Depletion and Amortization	1.58	5.64	3.20	4.05	4.55	0.61	0.61	0.57	2.26	1.11
Cash Flow from Others	-11.23	242	116	166	193	67.15	20.65	92.92	-14.51	94.42
Cash Flow from Operations	8.12	294	162	193	214	72.89	32.29	96.84	-9.03	94.37

Investment for Property, Plant & Equipement	-1.44	-30.78	-7.04	-1.67	-1.49	-0.93	-2.12	-0.71	2.09	-0.75
Cash Flow from Investing	868	-10.39	152	184	84.06	29.81	65.70	14.02	74.14	-69.81

Net Issuance of Stock	292	0.92	--	0.11	0.21	--	--	0.13	-0.02	0.10
Net Issuance of Debt	-169	-60.38	-0.50	--	3.33	-3.33	1.42	--	1.90	--
Cash Flow for Dividends	--	--	--	-1.91	-2.87	--	--	-0.95	-0.96	-0.96
Other Financing	-805	-37.51	-479	-150	-41.48	-110	-23.76	-43.11	26.44	-1.04
Cash Flow from Financing	-682	-96.97	-480	-152	-40.80	-113	-22.33	-43.93	27.36	-1.90

Net Change in Cash	193	186	-166	225	258	-10.21	75.66	66.93	92.47	22.67

Free Cash Flow	6.68	263	155	191	213	71.96	30.17	96.13	-6.94	93.62
Valuation Ratios (Daily)	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Valuation and Quality	Annuals					Quarterly
Fiscal Period	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
Median PS (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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