Switch to:

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 0.12
ACFC's Cash to Debt is ranked higher than
52% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.91 vs. ACFC: 0.12 )
ACFC' s 10-Year Cash to Debt Range
Min: 0.06   Max: 1.04
Current: 0.12

0.06
1.04
Equity to Asset 0.10
ACFC's Equity to Asset is ranked higher than
69% of the 2309 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
Interest Coverage 0.13
ACFC's Interest Coverage is ranked lower than
52% of the 2192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ACFC: 0.13 )
ACFC' s 10-Year Interest Coverage Range
Min: 0.04   Max: 0.42
Current: 0.13

0.04
0.42
F-Score: 4
Z-Score: 0.10
WACC vs ROIC
10.43%
0.92%
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 (%) 6.16
ACFC's Operating margin (%) is ranked higher than
51% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.39 vs. ACFC: 6.16 )
ACFC' s 10-Year Operating margin (%) Range
Min: -151.82   Max: 25.4
Current: 6.16

-151.82
25.4
Net-margin (%) 6.16
ACFC's Net-margin (%) is ranked higher than
51% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. ACFC: 6.16 )
ACFC' s 10-Year Net-margin (%) Range
Min: -113.05   Max: 102.58
Current: 6.16

-113.05
102.58
ROE (%) 2.14
ACFC's ROE (%) is ranked higher than
52% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.01 vs. ACFC: 2.14 )
ACFC' s 10-Year ROE (%) Range
Min: -41.76   Max: 18.24
Current: 2.14

-41.76
18.24
ROA (%) 0.21
ACFC's ROA (%) is ranked higher than
52% of the 2427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ACFC: 0.21 )
ACFC' s 10-Year ROA (%) Range
Min: -3.09   Max: 1.73
Current: 0.21

-3.09
1.73
ROC (Joel Greenblatt) (%) 10.51
ACFC's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 2386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 90.48 vs. ACFC: 10.51 )
ACFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -142.59   Max: 47.02
Current: 10.51

-142.59
47.02
Revenue Growth (3Y)(%) -50.90
ACFC's Revenue Growth (3Y)(%) is ranked lower than
52% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. ACFC: -50.90 )
ACFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   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

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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 38.90
ACFC's P/E(ttm) is ranked higher than
59% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. ACFC: 38.90 )
ACFC' s 10-Year P/E(ttm) Range
Min: 29.14   Max: 223.1
Current: 38.9

29.14
223.1
PE(NRI) 42.60
ACFC's PE(NRI) is ranked higher than
65% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. ACFC: 42.60 )
ACFC' s 10-Year PE(NRI) Range
Min: 29.1   Max: 211.95
Current: 42.6

29.1
211.95
P/B 0.90
ACFC's P/B is ranked higher than
83% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. ACFC: 0.90 )
ACFC' s 10-Year P/B Range
Min: 0.05   Max: 3.03
Current: 0.9

0.05
3.03
P/S 2.70
ACFC's P/S is ranked higher than
71% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.74 vs. ACFC: 2.70 )
ACFC' s 10-Year P/S Range
Min: 0.06   Max: 15.03
Current: 2.7

0.06
15.03
POCF 53.25
ACFC's POCF is ranked higher than
65% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 152.54 vs. ACFC: 53.25 )
ACFC' s 10-Year POCF Range
Min: 0.32   Max: 135.61
Current: 53.25

0.32
135.61
EV-to-EBIT 110.33
ACFC's EV-to-EBIT is ranked higher than
59% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.11 vs. ACFC: 110.33 )
ACFC' s 10-Year EV-to-EBIT Range
Min: -229.2   Max: 8769.6
Current: 110.33

-229.2
8769.6
Days Sales Outstanding 27.27
ACFC's Days Sales Outstanding is ranked higher than
92% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ACFC: 27.27 )
ACFC' s 10-Year Days Sales Outstanding Range
Min: 25.32   Max: 186.34
Current: 27.27

25.32
186.34

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
ACFC's Price/Tangible Book is ranked higher than
87% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ACFC: 0.90 )
ACFC' s 10-Year Price/Tangible Book Range
Min: 0.11   Max: 2.99
Current: 0.9

0.11
2.99
Price/Median PS Value 2.40
ACFC's Price/Median PS Value is ranked higher than
53% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ACFC: 2.40 )
ACFC' s 10-Year Price/Median PS Value Range
Min: 0.14   Max: 11.91
Current: 2.4

0.14
11.91
Price/Graham Number 1.30
ACFC's Price/Graham Number is ranked higher than
64% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ACFC: 1.30 )
ACFC' s 10-Year Price/Graham Number Range
Min: 1.32   Max: 5.08
Current: 1.3

1.32
5.08
Earnings Yield (Greenblatt) 0.90
ACFC's Earnings Yield (Greenblatt) is ranked lower than
55% of the 2411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ACFC: 0.90 )
ACFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 2.7
Current: 0.9

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.
» 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 Files SEC form 8-K, Change in Directors or Principal Officers,... May 20 2015
Tracy L. Keegan Named Chief Financial Officer of Atlantic Coast Financial Corporation May 20 2015
2:00 pm Atlantic Coast Federal announces the appointment of Tracy Keegan as CFO, the duties of which... May 20 2015
Tracy L. Keegan Named Chief Financial Officer of Atlantic Coast Financial Corporation May 20 2015
Atlantic Coast Financial Corporation Re-Elects Bhanu Choudhrie and James D. Hogan May 18 2015
Atlantic Coast Financial Corporation Re-Elects Bhanu Choudhrie and James D. Hogan May 18 2015
10-Q for Atlantic Coast Financial Corp. May 16 2015
ATLANTIC COAST FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 14 2015
10-K for Atlantic Coast Financial Corp. May 02 2015
2 Bank Stocks That Are Potential Takeover Targets May 01 2015
Nasdaq stocks posting largest volume increases Apr 29 2015
Atlantic Coast Financial Corporation Announces Continued Profitability on Significant Loan Growth... Apr 29 2015
ATLANTIC COAST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 29 2015
Atlantic Coast Financial Corporation Announces Continued Profitability on Significant Loan Growth... Apr 29 2015
ATLANTIC COAST FINANCIAL CORP Files SEC form 8-K/A, Change in Directors or Principal Officers Apr 06 2015
ATLANTIC COAST FINANCIAL CORP Files SEC form 8-K, Termination of a Material Definitive Agreement,... Mar 31 2015
The Office of the Comptroller of the Currency Lifts Its Consent Order against Atlantic Coast Bank Mar 31 2015
The Office of the Comptroller of the Currency Lifts Its Consent Order against Atlantic Coast Bank Mar 31 2015
ATLANTIC COAST FINANCIAL CORP Financials Mar 26 2015
ATLANTIC COAST FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Mar 25 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK