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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.66
AFCB's Cash to Debt is ranked lower than
62% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. AFCB: 0.66 )
Ranked among companies with meaningful Cash to Debt only.
AFCB' s Cash to Debt Range Over the Past 10 Years
Min: 0.39  Med: 3.94 Max: No Debt
Current: 0.66
Equity to Asset 0.14
AFCB's Equity to Asset is ranked higher than
78% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. AFCB: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
AFCB' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.15 Max: 0.18
Current: 0.14
0.09
0.18
Interest Coverage 2.78
AFCB's Interest Coverage is ranked higher than
64% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. AFCB: 2.78 )
Ranked among companies with meaningful Interest Coverage only.
AFCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 0.58 Max: 2.27
Current: 2.78
0.19
2.27
F-Score: 5
WACC vs ROIC
6.72%
7.15%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 23.28
AFCB's Operating margin (%) is ranked lower than
70% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. AFCB: 23.28 )
Ranked among companies with meaningful Operating margin (%) only.
AFCB' s Operating margin (%) Range Over the Past 10 Years
Min: 5.74  Med: 15.56 Max: 24.54
Current: 23.28
5.74
24.54
Net-margin (%) 15.59
AFCB's Net-margin (%) is ranked lower than
73% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. AFCB: 15.59 )
Ranked among companies with meaningful Net-margin (%) only.
AFCB' s Net-margin (%) Range Over the Past 10 Years
Min: 5.78  Med: 10.86 Max: 15.65
Current: 15.59
5.78
15.65
ROE (%) 6.48
AFCB's ROE (%) is ranked lower than
63% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. AFCB: 6.48 )
Ranked among companies with meaningful ROE (%) only.
AFCB' s ROE (%) Range Over the Past 10 Years
Min: 2.24  Med: 5.19 Max: 6.44
Current: 6.48
2.24
6.44
ROA (%) 0.91
AFCB's ROA (%) is ranked higher than
54% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. AFCB: 0.91 )
Ranked among companies with meaningful ROA (%) only.
AFCB' s ROA (%) Range Over the Past 10 Years
Min: 0.3  Med: 0.68 Max: 0.9
Current: 0.91
0.3
0.9
Revenue Growth (3Y)(%) 15.70
AFCB's Revenue Growth (3Y)(%) is ranked higher than
86% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. AFCB: 15.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AFCB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 15.7
Current: 15.7
0
15.7
EBITDA Growth (3Y)(%) 28.60
AFCB's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. AFCB: 28.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AFCB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 51.7
Current: 28.6
0
51.7
EPS Growth (3Y)(%) 26.80
AFCB's EPS Growth (3Y)(%) is ranked higher than
83% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. AFCB: 26.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AFCB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 49.6
Current: 26.8
0
49.6
» AFCB'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/E(ttm) 15.74
AFCB's P/E(ttm) is ranked lower than
70% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. AFCB: 15.74 )
Ranked among companies with meaningful P/E(ttm) only.
AFCB' s P/E(ttm) Range Over the Past 10 Years
Min: 14.22  Med: 17.09 Max: 127.56
Current: 15.74
14.22
127.56
PE(NRI) 15.74
AFCB's PE(NRI) is ranked lower than
69% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. AFCB: 15.74 )
Ranked among companies with meaningful PE(NRI) only.
AFCB' s PE(NRI) Range Over the Past 10 Years
Min: 14.29  Med: 17.10 Max: 127.56
Current: 15.74
14.29
127.56
P/B 0.99
AFCB's P/B is ranked lower than
51% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. AFCB: 0.99 )
Ranked among companies with meaningful P/B only.
AFCB' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 0.85 Max: 1.25
Current: 0.99
0.58
1.25
P/S 2.44
AFCB's P/S is ranked higher than
58% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. AFCB: 2.44 )
Ranked among companies with meaningful P/S only.
AFCB' s P/S Range Over the Past 10 Years
Min: 1.71  Med: 2.49 Max: 9.22
Current: 2.44
1.71
9.22
PFCF 15.03
AFCB's PFCF is ranked lower than
75% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. AFCB: 15.03 )
Ranked among companies with meaningful PFCF only.
AFCB' s PFCF Range Over the Past 10 Years
Min: 5.35  Med: 11.50 Max: 38.24
Current: 15.03
5.35
38.24
POCF 12.56
AFCB's POCF is ranked lower than
76% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. AFCB: 12.56 )
Ranked among companies with meaningful POCF only.
AFCB' s POCF Range Over the Past 10 Years
Min: 4.76  Med: 9.94 Max: 553
Current: 12.56
4.76
553
EV-to-EBIT 11.42
AFCB's EV-to-EBIT is ranked higher than
56% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. AFCB: 11.42 )
Ranked among companies with meaningful EV-to-EBIT only.
AFCB' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.5  Med: 8.90 Max: 89.9
Current: 11.42
1.5
89.9
EV-to-EBITDA 10.11
AFCB's EV-to-EBITDA is ranked higher than
56% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. AFCB: 10.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
AFCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.3  Med: 7.55 Max: 22.5
Current: 10.11
1.3
22.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.82
AFCB's Dividend Yield is ranked lower than
92% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. AFCB: 0.82 )
Ranked among companies with meaningful Dividend Yield only.
AFCB' s Dividend Yield Range Over the Past 10 Years
Min: 0.44  Med: 1.07 Max: 1.77
Current: 0.82
0.44
1.77
Dividend Payout 0.13
AFCB's Dividend Payout is ranked higher than
87% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. AFCB: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
AFCB' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.17 Max: 0.63
Current: 0.13
0.11
0.63
Forward Dividend Yield 0.81
AFCB's Forward Dividend Yield is ranked lower than
94% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. AFCB: 0.81 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.82
AFCB's Yield on cost (5-Year) is ranked lower than
91% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. AFCB: 0.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AFCB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.44  Med: 1.08 Max: 1.77
Current: 0.82
0.44
1.77
3-Year Average Share Buyback Ratio 11.50
AFCB's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. AFCB: 11.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AFCB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 6.5  Med: 0.00 Max: 0
Current: 11.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
AFCB's Price/Tangible Book is ranked higher than
55% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. AFCB: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
AFCB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.6  Med: 0.82 Max: 1.21
Current: 1
0.6
1.21
Price/Projected FCF 0.65
AFCB's Price/Projected FCF is ranked lower than
54% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. AFCB: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
AFCB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.58  Med: 0.68 Max: 0.79
Current: 0.65
0.58
0.79
Price/Median PS Value 0.99
AFCB's Price/Median PS Value is ranked lower than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. AFCB: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
AFCB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 0.97 Max: 3.6
Current: 0.99
0.73
3.6
Price/Peter Lynch Fair Value 0.64
AFCB's Price/Peter Lynch Fair Value is ranked higher than
66% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. AFCB: 0.64 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AFCB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.77  Med: 0.77 Max: 0.77
Current: 0.64
Price/Graham Number 0.84
AFCB's Price/Graham Number is ranked lower than
57% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. AFCB: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
AFCB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 0.81 Max: 1.85
Current: 0.84
0.67
1.85
Earnings Yield (Greenblatt) (%) 8.78
AFCB's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. AFCB: 8.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AFCB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 11.20 Max: 67.7
Current: 8.78
1.1
67.7
Forward Rate of Return (Yacktman) (%) 41.21
AFCB's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. AFCB: 41.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AFCB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.4  Med: 7.00 Max: 43.6
Current: 41.21
5.4
43.6

More Statistics

Revenue(Mil) $18
EPS $ 1.56
Beta0.34
Short Percentage of Float0.23%
52-Week Range $21.55 - 32.45
Shares Outstanding(Mil)1.81

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Athens Bancshares Corp was incorporated in September 2009. It is a holding company for Athens Federal Community Bank, a federally chartered savings bank. It offers financial services to consumers and businesses by accepting deposits from the general public and use those funds to lend residential mortgage loans and non-residential real estate loans, construction loans, land and land development loans, multi-family real estate loans, consumer loans and commercial business loans. Its primary market area is McMinn, Monroe and Bradley Counties, Tennessee. The Company's residential mortgage loans enables borrowers to purchase or refinance existing homes located in its market area. It offers fixed- and adjustable-rate mortgage loans secured by non-residential real estate. Its fixed-rate non-residential real estate loans, generally with terms of three to five years and payments based on an amortization schedule of up to 30 years. The Company provides construction loans for one-to four-family homes and to a much lesser extent, commercial properties, such as retail shops and office units, and multi-family properties. The Company offers loans to individuals and developers for the purpose of developing vacant land in its market area. The Company also offers a variety of consumer loans, including home equity loans and lines of credit, automobile loans and loans secured by deposits. Through the its operating subsidiary, Southland Finance, Inc., company also offers consumer finance loans secured by used automobiles, televisions and various other personal property to borrowers with historically lower credit scores. It also typically provides commercial business loans to small businesses located in its market area. The Company's accepts deposits from the market area through the offering of deposit instruments, including non-interest-bearing demand deposits, interest-bearing demand accounts, regular savings accounts and certificates of deposit. Its faces competition for loans which, comes primarily from financial institutions, including credit unions, other financial service providers, such as mortgage companies and mortgage brokers. Competition for loans also comes from non-depository financial service companies entering the mortgage market, such as insurance companies, securities companies and specialty finance companies. The bank is subject to regulation, examination and supervision by the Office of the Comptroller of the Currency, as its federal regulator, and the Federal Deposit Insurance Corporation, as the deposit insurer.
» More Articles for AFCB

Headlines

Articles On GuruFocus.com
Athens Bancshares Corp. Reports Operating Results (10-K) Mar 18 2011 
Athens Bancshares Corp. Reports Operating Results (10-Q) Nov 15 2010 
Athens Bancshares Corp. Reports Operating Results (10-Q) Aug 13 2010 
June 3, 2010 52-Week Low Wrap-Up: Athens Bancshares, Northwest Pipe, Sharps Compliance, Pride Intern Jun 03 2010 
Athens Bancshares Corp. Reports Operating Results (10-Q) May 17 2010 

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