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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.18
ACFC's Cash to Debt is ranked lower than
85% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. ACFC: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
ACFC' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.29 Max: N/A
Current: 0.18
Equity to Asset 0.10
ACFC's Equity to Asset is ranked higher than
51% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ACFC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
ACFC' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.09 Max: 0.15
Current: 0.1
0.04
0.15
Interest Coverage 0.13
ACFC's Interest Coverage is ranked lower than
95% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. ACFC: 0.13 )
Ranked among companies with meaningful Interest Coverage only.
ACFC' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.31 Max: 0.42
Current: 0.13
0.04
0.42
F-Score: 3
WACC vs ROIC
13.09%
3.53%
WACC
ROIC
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 (%) -14.06
ACFC's Operating margin (%) is ranked lower than
95% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. ACFC: -14.06 )
Ranked among companies with meaningful Operating margin (%) only.
ACFC' s 10-Year Operating margin (%) Range
Min: -151.82  Med: -27.46 Max: 25.4
Current: -14.06
-151.82
25.4
Net-margin (%) 27.25
ACFC's Net-margin (%) is ranked higher than
67% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. ACFC: 27.25 )
Ranked among companies with meaningful Net-margin (%) only.
ACFC' s 10-Year Net-margin (%) Range
Min: -113.05  Med: 9.10 Max: 102.58
Current: 27.25
-113.05
102.58
ROE (%) 9.48
ACFC's ROE (%) is ranked higher than
58% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. ACFC: 9.48 )
Ranked among companies with meaningful ROE (%) only.
ACFC' s 10-Year ROE (%) Range
Min: -41.76  Med: 1.93 Max: 18.24
Current: 9.48
-41.76
18.24
ROA (%) 0.94
ACFC's ROA (%) is ranked higher than
56% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ACFC: 0.94 )
Ranked among companies with meaningful ROA (%) only.
ACFC' s 10-Year ROA (%) Range
Min: -3.09  Med: 0.18 Max: 1.73
Current: 0.94
-3.09
1.73
Revenue Growth (3Y)(%) -50.90
ACFC's Revenue Growth (3Y)(%) is ranked lower than
97% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. ACFC: -50.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ACFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -5.90 Max: 17.3
Current: -50.9
0
17.3
» ACFC's 10-Y Financials

Financials


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

» Details

Guru Trades

ACFC Guru Trades in

Q4 2014

ACFC Guru Trades in Q4 2014

Jim Simons 12,900 sh (New)
» More
Q1 2015

ACFC Guru Trades in Q1 2015

Jim Simons 15,200 sh (+17.83%)
» More
Q2 2015

ACFC Guru Trades in Q2 2015

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

Insider Trades

Latest Guru Trades with ACFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 12.52
ACFC's P/E(ttm) is ranked lower than
52% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. ACFC: 12.52 )
Ranked among companies with meaningful P/E(ttm) only.
ACFC' s 10-Year P/E(ttm) Range
Min: 9.47  Med: 44.77 Max: 223.1
Current: 12.52
9.47
223.1
PE(NRI) 13.30
ACFC's PE(NRI) is ranked lower than
51% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. ACFC: 13.30 )
Ranked among companies with meaningful PE(NRI) only.
ACFC' s 10-Year PE(NRI) Range
Min: 9.24  Med: 46.98 Max: 211.95
Current: 13.3
9.24
211.95
P/B 1.12
ACFC's P/B is ranked lower than
63% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. ACFC: 1.12 )
Ranked among companies with meaningful P/B only.
ACFC' s 10-Year P/B Range
Min: 0.05  Med: 0.86 Max: 3.03
Current: 1.12
0.05
3.03
P/S 3.40
ACFC's P/S is ranked lower than
68% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. ACFC: 3.40 )
Ranked among companies with meaningful P/S only.
ACFC' s 10-Year P/S Range
Min: 0.06  Med: 1.39 Max: 15.09
Current: 3.4
0.06
15.09
Days Sales Outstanding 28.17
ACFC's Days Sales Outstanding is ranked higher than
60% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. ACFC: 28.17 )
Ranked among companies with meaningful Days Sales Outstanding only.
ACFC' s 10-Year Days Sales Outstanding Range
Min: 25.32  Med: 36.12 Max: 186.34
Current: 28.17
25.32
186.34

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.08
ACFC's Price/Tangible Book is ranked lower than
55% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. ACFC: 1.08 )
Ranked among companies with meaningful Price/Tangible Book only.
ACFC' s 10-Year Price/Tangible Book Range
Min: 0.11  Med: 0.87 Max: 2.99
Current: 1.08
0.11
2.99
Price/Median PS Value 2.39
ACFC's Price/Median PS Value is ranked lower than
97% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. ACFC: 2.39 )
Ranked among companies with meaningful Price/Median PS Value only.
ACFC' s 10-Year Price/Median PS Value Range
Min: 0.12  Med: 0.97 Max: 10.07
Current: 2.39
0.12
10.07
Price/Graham Number 0.76
ACFC's Price/Graham Number is ranked lower than
55% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. ACFC: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
ACFC' s 10-Year Price/Graham Number Range
Min: 0.63  Med: 2.32 Max: 5.08
Current: 0.76
0.63
5.08
Earnings Yield (Greenblatt) (%) -1.30
ACFC's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. ACFC: -1.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ACFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -1.32  Med: 1.60 Max: 2.7
Current: -1.3
-1.32
2.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for ACFC

Headlines

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