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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash to Debt 0.11
ACFC's Cash to Debt is ranked lower than
92% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. ACFC: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
ACFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.29 Max: N/A
Current: 0.11
Equity to Asset 0.09
ACFC's Equity to Asset is ranked lower than
62% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ACFC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ACFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.09 Max: 0.15
Current: 0.09
0.04
0.15
Interest Coverage 0.02
ACFC's Interest Coverage is ranked lower than
100% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. ACFC: 0.02 )
Ranked among companies with meaningful Interest Coverage only.
ACFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.13 Max: 0.31
Current: 0.02
0.04
0.31
F-Score: 3
M-Score: -2.38
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) 0.62
ACFC's Operating margin (%) is ranked lower than
93% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. ACFC: 0.62 )
Ranked among companies with meaningful Operating margin (%) only.
ACFC' s Operating margin (%) Range Over the Past 10 Years
Min: -89.51  Med: -20.22 Max: 25.4
Current: 0.62
-89.51
25.4
Net-margin (%) 29.07
ACFC's Net-margin (%) is ranked higher than
68% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. ACFC: 29.07 )
Ranked among companies with meaningful Net-margin (%) only.
ACFC' s Net-margin (%) Range Over the Past 10 Years
Min: -113.05  Med: -15.63 Max: 27.6
Current: 29.07
-113.05
27.6
ROE (%) 11.19
ACFC's ROE (%) is ranked higher than
68% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. ACFC: 11.19 )
Ranked among companies with meaningful ROE (%) only.
ACFC' s ROE (%) Range Over the Past 10 Years
Min: -41.76  Med: -9.34 Max: 10.08
Current: 11.19
-41.76
10.08
ROA (%) 1.07
ACFC's ROA (%) is ranked higher than
63% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. ACFC: 1.07 )
Ranked among companies with meaningful ROA (%) only.
ACFC' s ROA (%) Range Over the Past 10 Years
Min: -3.09  Med: -0.58 Max: 0.99
Current: 1.07
-3.09
0.99
Revenue Growth (3Y)(%) -46.30
ACFC's Revenue Growth (3Y)(%) is ranked lower than
98% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. ACFC: -46.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ACFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -12.65 Max: 17.3
Current: -46.3
0
17.3
EBITDA Growth (3Y)(%) -70.70
ACFC's EBITDA Growth (3Y)(%) is ranked lower than
99% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. ACFC: -70.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ACFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -70.70 Max: 35.1
Current: -70.7
0
35.1
» ACFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

ACFC Guru Trades in Q2 2015

Jim Simons 31,400 sh (+106.58%)
» More
Q3 2015

ACFC Guru Trades in Q3 2015

Jim Simons 115,800 sh (+268.79%)
» More
Q4 2015

ACFC Guru Trades in Q4 2015

Jim Simons 137,800 sh (+19.00%)
» More
Q1 2016

ACFC Guru Trades in Q1 2016

Jim Simons 145,100 sh (+5.30%)
» More
» Details

Insider Trades

Latest Guru Trades with ACFC

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FCCY, NAS:XBKS, NAS:SOCB, NAS:OPOF, NAS:JAXB » details
Atlantic Coast Financial Corp is a thrift holding company, which through its subsidiary, Atlantic Coast Bank provides banking services to individual and corporate customers mainly Georgia and Florida.

Atlantic Coast Financial Corp was incorporated in Maryland. It operates as a holding company for Atlantic Coast Bank. The Bank provides standard banking services to individual and corporate customers in Georgia and Florida. The Bank's main business consists of attracting retail deposits from the general public and investing those funds primarily in held-for-sale and loans secured by first mortgages on owner-occupied, one- to four-family residences originated through its warehouse lending customers, and, to a lesser extent, first mortgages on owner occupied, one- to four-family residences, home equity loans and automobile and other consumer loans originated for retention in its loan portfolio. The Bank also originates multi-family residential loans, commercial construction and residential construction loans. Loans are obtained principally through retail staff and brokers. It also invests in investment securities, mainly those issued by U.S. government-sponsored agencies and entities, including Fannie Mae, Freddie Mac and Ginnie Mae. The Bank offers a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market accounts, demand deposit accounts and time deposit accounts with varied terms ranging from 90 days to five years. The Bank has branches located in Jacksonville Beach, Orange Park, Neptune Beach, Westside, Southside and Julington Creek in the Jacksonville metropolitan area as well as in Waycross, Douglas and Garden City, Georgia The Bank's primary lending area is in the Jacksonville metropolitan area with its deposit customers residing in both the Jacksonville metropolitan and southeastern Georgia markets. The Bank faces strong competition in attracting deposits and originating real estate and other loans. The Company is subject to regulation and examination by the OTS.

Ratios

vs
industry
vs
history
P/E(ttm) 11.05
ACFC's P/E(ttm) is ranked higher than
59% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. ACFC: 11.05 )
Ranked among companies with meaningful P/E(ttm) only.
ACFC' s P/E(ttm) Range Over the Past 10 Years
Min: 9.47  Med: 44.04 Max: 223.11
Current: 11.05
9.47
223.11
PE(NRI) 11.05
ACFC's PE(NRI) is ranked higher than
59% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. ACFC: 11.05 )
Ranked among companies with meaningful PE(NRI) only.
ACFC' s PE(NRI) Range Over the Past 10 Years
Min: 9.24  Med: 45.30 Max: 211.96
Current: 11.05
9.24
211.96
P/B 1.22
ACFC's P/B is ranked lower than
62% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. ACFC: 1.22 )
Ranked among companies with meaningful P/B only.
ACFC' s P/B Range Over the Past 10 Years
Min: 0.05  Med: 0.87 Max: 3.03
Current: 1.22
0.05
3.03
P/S 3.25
ACFC's P/S is ranked lower than
56% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. ACFC: 3.25 )
Ranked among companies with meaningful P/S only.
ACFC' s P/S Range Over the Past 10 Years
Min: 0.06  Med: 1.51 Max: 15.05
Current: 3.25
0.06
15.05
EV-to-EBIT 1718.11
ACFC's EV-to-EBIT is ranked lower than
100% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. ACFC: 1718.11 )
Ranked among companies with meaningful EV-to-EBIT only.
ACFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -229.1  Med: -7.70 Max: 8769.8
Current: 1718.11
-229.1
8769.8
EV-to-EBITDA 286.11
ACFC's EV-to-EBITDA is ranked lower than
99% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. ACFC: 286.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -311  Med: -8.10 Max: 452.9
Current: 286.11
-311
452.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.19
ACFC's Price/Tangible Book is ranked lower than
55% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ACFC: 1.19 )
Ranked among companies with meaningful Price/Tangible Book only.
ACFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.11  Med: 0.89 Max: 2.99
Current: 1.19
0.11
2.99
Price/Projected FCF 2.42
ACFC's Price/Projected FCF is ranked lower than
96% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. ACFC: 2.42 )
Ranked among companies with meaningful Price/Projected FCF only.
ACFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.56 Max: 2.29
Current: 2.42
0.09
2.29
Price/Median PS Value 2.14
ACFC's Price/Median PS Value is ranked lower than
96% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ACFC: 2.14 )
Ranked among companies with meaningful Price/Median PS Value only.
ACFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.11  Med: 1.02 Max: 9.23
Current: 2.14
0.11
9.23
Price/Graham Number 0.76
ACFC's Price/Graham Number is ranked higher than
57% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. ACFC: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
ACFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 1.92 Max: 3.77
Current: 0.76
0.62
3.77
Earnings Yield (Greenblatt) (%) 0.10
ACFC's Earnings Yield (Greenblatt) (%) is ranked lower than
90% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. ACFC: 0.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ACFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 1.60 Max: 2.2
Current: 0.1
0.1
2.2

More Statistics

Revenue (TTM) (Mil) $30.43
EPS (TTM) $ 0.58
Beta0.31
Short Percentage of Float0.09%
52-Week Range $4.14 - 6.75
Shares Outstanding (Mil)15.51
» More Articles for ACFC

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: United States Steel Corp, Pennant Park Investment Corporation, Atlantic C Feb 16 2015 
Atlantic Coast Federal Corp. Reports Operating Results (10-Q) Nov 15 2010 
Atlantic Coast Federal Corp. Reports Operating Results (10-Q) Aug 16 2010 
Atlantic Coast Federal Corp. Reports Operating Results (10-Q) May 17 2010 
Atlantic Coast Federal Corp. Reports Operating Results (10-Q) Nov 16 2009 
Atlantic Coast Federal Corp. Reports Operating Results (10-Q) Aug 14 2009 

More From Other Websites
ATLANTIC COAST FINANCIAL CORP Financials May 25 2016
Atlantic Coast Financial Corporation Re-Elects Dave Bhasin and John J. Dolan May 23 2016
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ATLANTIC COAST FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 16 2016
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ATLANTIC COAST FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers,... Apr 07 2016
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Atlantic Coast Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers Feb 02 2016
Atlantic Coast Financial posts 4Q profit Jan 27 2016
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