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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 0.19
ACFC's Cash to Debt is ranked higher than
54% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. ACFC: 0.19 )
ACFC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.19

Equity to Asset 0.10
ACFC's Equity to Asset is ranked higher than
68% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ACFC: 0.10 )
ACFC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.15
Current: 0.1

0.04
0.15
F-Score: 2
Z-Score: 0.07
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 : 1/10

vs
industry
vs
history
Operating margin (%) -25.02
ACFC's Operating margin (%) is ranked lower than
52% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. ACFC: -25.02 )
ACFC' s 10-Year Operating margin (%) Range
Min: -151.82   Max: 25.4
Current: -25.02

-151.82
25.4
Net-margin (%) -26.11
ACFC's Net-margin (%) is ranked lower than
53% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. ACFC: -26.11 )
ACFC' s 10-Year Net-margin (%) Range
Min: -113.05   Max: 102.58
Current: -26.11

-113.05
102.58
ROE (%) -9.85
ACFC's ROE (%) is ranked lower than
52% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. ACFC: -9.85 )
ACFC' s 10-Year ROE (%) Range
Min: -41.76   Max: 18.24
Current: -9.85

-41.76
18.24
ROA (%) -0.84
ACFC's ROA (%) is ranked lower than
52% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ACFC: -0.84 )
ACFC' s 10-Year ROA (%) Range
Min: -3.09   Max: 1.73
Current: -0.84

-3.09
1.73
ROC (Joel Greenblatt) (%) -40.22
ACFC's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. ACFC: -40.22 )
ACFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -142.59   Max: 47.02
Current: -40.22

-142.59
47.02
Revenue Growth (3Y)(%) -19.90
ACFC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ACFC: -19.90 )
ACFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 17.3
Current: -19.9

0
17.3
EBITDA Growth (3Y)(%) -15.70
ACFC's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. ACFC: -15.70 )
ACFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 35.1
Current: -15.7

0
35.1
EPS Growth (3Y)(%) -16.30
ACFC's EPS Growth (3Y)(%) is ranked higher than
58% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ACFC: -16.30 )
ACFC' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 55
Current: -16.3

0
55
» ACFC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 0.88
ACFC's P/B is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. ACFC: 0.88 )
ACFC' s 10-Year P/B Range
Min: 0.05   Max: 3.03
Current: 0.88

0.05
3.03
P/S 2.07
ACFC's P/S is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. ACFC: 2.07 )
ACFC' s 10-Year P/S Range
Min: 0.06   Max: 15.09
Current: 2.07

0.06
15.09
EV-to-EBIT -29.81
ACFC's EV-to-EBIT is ranked higher than
52% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. ACFC: -29.81 )
ACFC' s 10-Year EV-to-EBIT Range
Min: -496.9   Max: 8769.6
Current: -29.81

-496.9
8769.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.88
ACFC's Price/Tangible Book is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. ACFC: 0.88 )
ACFC' s 10-Year Price/Tangible Book Range
Min: 0.11   Max: 2.99
Current: 0.88

0.11
2.99
Price/DCF (Projected) 7.84
ACFC's Price/DCF (Projected) is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. ACFC: 7.84 )
ACFC' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 7.9
Current: 7.84

0.2
7.9
Price/Median PS Value 1.84
ACFC's Price/Median PS Value is ranked higher than
64% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. ACFC: 1.84 )
ACFC' s 10-Year Price/Median PS Value Range
Min: 0.14   Max: 12.33
Current: 1.84

0.14
12.33
Earnings Yield (Greenblatt) -3.40
ACFC's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. ACFC: -3.40 )
ACFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 2.7
Current: -3.4

0.4
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.

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