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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 2.82
AFCB's Cash to Debt is ranked higher than
58% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. AFCB: 2.82 )
Ranked among companies with meaningful Cash to Debt only.
AFCB' s 10-Year Cash to Debt Range
Min: 0.39   Max: No Debt
Current: 2.82

Equity to Asset 0.14
AFCB's Equity to Asset is ranked higher than
78% of the 1285 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 10-Year Equity to Asset Range
Min: 0.09   Max: 0.18
Current: 0.14

0.09
0.18
Interest Coverage 2.27
AFCB's Interest Coverage is ranked higher than
59% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. AFCB: 2.27 )
Ranked among companies with meaningful Interest Coverage only.
AFCB' s 10-Year Interest Coverage Range
Min: 0.19   Max: 2.27
Current: 2.27

0.19
2.27
F-Score: 6
Z-Score: 0.34
WACC vs ROIC
8.54%
8.82%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 22.57
AFCB's Operating margin (%) is ranked lower than
66% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. AFCB: 22.57 )
Ranked among companies with meaningful Operating margin (%) only.
AFCB' s 10-Year Operating margin (%) Range
Min: 5.74   Max: 24.54
Current: 22.57

5.74
24.54
Net-margin (%) 15.11
AFCB's Net-margin (%) is ranked lower than
70% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. AFCB: 15.11 )
Ranked among companies with meaningful Net-margin (%) only.
AFCB' s 10-Year Net-margin (%) Range
Min: 5.78   Max: 15.65
Current: 15.11

5.78
15.65
ROE (%) 6.30
AFCB's ROE (%) is ranked lower than
63% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. AFCB: 6.30 )
Ranked among companies with meaningful ROE (%) only.
AFCB' s 10-Year ROE (%) Range
Min: 2.24   Max: 6.44
Current: 6.3

2.24
6.44
ROA (%) 0.87
AFCB's ROA (%) is ranked higher than
54% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. AFCB: 0.87 )
Ranked among companies with meaningful ROA (%) only.
AFCB' s 10-Year ROA (%) Range
Min: 0.3   Max: 0.9
Current: 0.87

0.3
0.9
ROC (Joel Greenblatt) (%) 93.96
AFCB's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. AFCB: 93.96 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
AFCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 17.63   Max: 94.73
Current: 93.96

17.63
94.73
Revenue Growth (3Y)(%) 15.70
AFCB's Revenue Growth (3Y)(%) is ranked higher than
89% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. AFCB: 15.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AFCB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 15.7
Current: 15.7

0
15.7
EBITDA Growth (3Y)(%) 28.60
AFCB's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. AFCB: 28.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AFCB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 51.7
Current: 28.6

0
51.7
EPS Growth (3Y)(%) 26.50
AFCB's EPS Growth (3Y)(%) is ranked higher than
81% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. AFCB: 26.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AFCB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 49.2
Current: 26.5

0
49.2
» 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) 17.50
AFCB's P/E(ttm) is ranked lower than
70% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. AFCB: 17.50 )
Ranked among companies with meaningful P/E(ttm) only.
AFCB' s 10-Year P/E(ttm) Range
Min: 14.22   Max: 127.56
Current: 17.5

14.22
127.56
PE(NRI) 17.50
AFCB's PE(NRI) is ranked lower than
69% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. AFCB: 17.50 )
Ranked among companies with meaningful PE(NRI) only.
AFCB' s 10-Year PE(NRI) Range
Min: 14.29   Max: 127.56
Current: 17.5

14.29
127.56
P/B 1.10
AFCB's P/B is ranked lower than
51% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. AFCB: 1.10 )
Ranked among companies with meaningful P/B only.
AFCB' s 10-Year P/B Range
Min: 0.58   Max: 1.2
Current: 1.1

0.58
1.2
P/S 2.60
AFCB's P/S is ranked higher than
57% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. AFCB: 2.60 )
Ranked among companies with meaningful P/S only.
AFCB' s 10-Year P/S Range
Min: 1.71   Max: 9.22
Current: 2.6

1.71
9.22
PFCF 13.00
AFCB's PFCF is ranked lower than
60% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. AFCB: 13.00 )
Ranked among companies with meaningful PFCF only.
AFCB' s 10-Year PFCF Range
Min: 5.35   Max: 38.24
Current: 13

5.35
38.24
POCF 11.87
AFCB's POCF is ranked lower than
63% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. AFCB: 11.87 )
Ranked among companies with meaningful POCF only.
AFCB' s 10-Year POCF Range
Min: 4.76   Max: 553
Current: 11.87

4.76
553
EV-to-EBIT 9.47
AFCB's EV-to-EBIT is ranked higher than
74% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. AFCB: 9.47 )
Ranked among companies with meaningful EV-to-EBIT only.
AFCB' s 10-Year EV-to-EBIT Range
Min: 1.5   Max: 89.9
Current: 9.47

1.5
89.9
Shiller P/E 25.70
AFCB's Shiller P/E is ranked lower than
77% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. AFCB: 25.70 )
Ranked among companies with meaningful Shiller P/E only.
AFCB' s 10-Year Shiller P/E Range
Min: 22.04   Max: 28.84
Current: 25.7

22.04
28.84
Days Sales Outstanding 20.16
AFCB's Days Sales Outstanding is ranked higher than
81% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. AFCB: 20.16 )
Ranked among companies with meaningful Days Sales Outstanding only.
AFCB' s 10-Year Days Sales Outstanding Range
Min: 19.44   Max: 36.72
Current: 20.16

19.44
36.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.80
AFCB's Dividend Yield is ranked lower than
95% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. AFCB: 0.80 )
Ranked among companies with meaningful Dividend Yield only.
AFCB' s 10-Year Dividend Yield Range
Min: 0.44   Max: 1.77
Current: 0.8

0.44
1.77
Dividend Payout 0.13
AFCB's Dividend Payout is ranked higher than
87% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. AFCB: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
AFCB' s 10-Year Dividend Payout Range
Min: 0.12   Max: 0.63
Current: 0.13

0.12
0.63
Yield on cost (5-Year) 0.80
AFCB's Yield on cost (5-Year) is ranked lower than
95% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. AFCB: 0.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AFCB' s 10-Year Yield on cost (5-Year) Range
Min: 0.44   Max: 1.77
Current: 0.8

0.44
1.77
Share Buyback Rate 11.50
AFCB's Share Buyback Rate is ranked higher than
93% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. AFCB: 11.50 )
Ranked among companies with meaningful Share Buyback Rate only.
AFCB' s 10-Year Share Buyback Rate Range
Min: 0   Max: 6.5
Current: 11.5

0
6.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
AFCB's Price/Tangible Book is ranked higher than
58% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. AFCB: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
AFCB' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 1.08
Current: 1.1

0.6
1.08
Price/DCF (Projected) 0.70
AFCB's Price/DCF (Projected) is ranked lower than
52% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. AFCB: 0.70 )
Ranked among companies with meaningful Price/DCF (Projected) only.
AFCB' s 10-Year Price/DCF (Projected) Range
Min: 0.58   Max: 0.78
Current: 0.7

0.58
0.78
Price/Median PS Value 1.10
AFCB's Price/Median PS Value is ranked lower than
53% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. AFCB: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
AFCB' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 3.68
Current: 1.1

0.74
3.68
Price/Graham Number 0.90
AFCB's Price/Graham Number is ranked lower than
53% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. AFCB: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
AFCB' s 10-Year Price/Graham Number Range
Min: 0.69   Max: 2.3
Current: 0.9

0.69
2.3
Earnings Yield (Greenblatt) 10.50
AFCB's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. AFCB: 10.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
AFCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 67.7
Current: 10.5

1.1
67.7

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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