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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 : 3/10

vs
industry
vs
history
Cash to Debt 2.461
BTFG's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 2.461 )
BTFG' s 10-Year Cash to Debt Range
Min: 0.4   Max: 14.23
Current: 2.46

0.4
14.23
Interest Coverage 2.2
BTFG's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 2.2 )
BTFG' s 10-Year Interest Coverage Range
Min: -1   Max: 4
Current: 2.2

-1
4
F-Score: 3
Z-Score: -0.06
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 : 4/10

vs
industry
vs
history
Operating margin (%) -49.00
BTFG's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: -49.00 )
BTFG' s 10-Year Operating margin (%) Range
Min: -177.5   Max: 35.9
Current: -49

-177.5
35.9
Net-margin (%) -57.9
BTFG's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: -57.9 )
BTFG' s 10-Year Net-margin (%) Range
Min: -158   Max: 26
Current: -57.9

-158
26
ROE (%) -41.9
BTFG's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: -41.9 )
BTFG' s 10-Year ROE (%) Range
Min: -74.1   Max: 11.5
Current: -41.9

-74.1
11.5
ROA (%) -2.4
BTFG's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: -2.4 )
BTFG' s 10-Year ROA (%) Range
Min: -6.2   Max: 1.3
Current: -2.4

-6.2
1.3
ROC (Joel Greenblatt) (%) 15.20
BTFG's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 15.20 )
BTFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.6   Max: 10030
Current: 15.2

-3.6
10030
Revenue Growth (%) -0.8
BTFG's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: -0.8 )
BTFG' s 10-Year Revenue Growth (%) Range
Min: -6.6   Max: 10.5
Current: -0.8

-6.6
10.5
» BTFG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2012

BTFG Guru Trades in Q2 2012

Jim Simons 60,300 sh (+28.3%)
» More
Q3 2012

BTFG Guru Trades in Q3 2012

Jim Simons 70,400 sh (+16.75%)
» More
Q4 2012

BTFG Guru Trades in Q4 2012

Jim Simons 74,400 sh (+5.68%)
» More
Q1 2013

BTFG Guru Trades in Q1 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BTFG



No Insider Trades Found!

Ratios

vs
industry
vs
history
P/B 0.01
BTFG's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 0.01 )
BTFG' s 10-Year P/B Range
Min: 0.01   Max: 2.27
Current: 0.01

0.01
2.27
P/S 0.68
BTFG's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 0.68 )
BTFG' s 10-Year P/S Range
Min: 0.26   Max: 5.16
Current: 0.68

0.26
5.16
PFCF 0.03
BTFG's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 0.03 )
BTFG' s 10-Year PFCF Range
Min: 0.03   Max: 50.71
Current: 0.03

0.03
50.71
Shiller P/E 0.04
BTFG's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 0.04 )
BTFG' s 10-Year Shiller P/E Range
Min: 0.04   Max: 27.97
Current: 0.04

0.04
27.97

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 1.40
BTFG's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 1.40 )
BTFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 101
Current: 1.4

0.1
101
Forward Rate of Return (Yacktman) 4360
BTFG's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. BTFG: 4360 )
BTFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.2   Max: 119
Current: 4360

5.2
119

Business Description

BancTrust Financial Group, Inc., is an Alabama corporation, incorporated in 1986. The Company is registered under the Bank Holding Company Act of 1956, as amended, and its principal subsidiary is BankTrust ("BankTrust" or the "Bank"). The Bank provides a broad range of community banking services to commercial, small business and retail customers, offering a variety of transaction and savings deposit products, treasury management services, investment brokerage and insurance services, secured and unsecured loan products, including revolving credit facilities, and letters of credit and similar financial guarantees. The Bank also provides trust and investment management services to retirement plans, corporations and individuals. The Company competes with commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds and other mutual funds, as well as other super-regional, national and international financial institutions that operate offices in its primary market areas and elsewhere. The Company and its subsidiary Bank are subject to extensive state and federal banking regulations.
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