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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.45
CBF's Cash-to-Debt is ranked lower than
74% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. CBF: 0.45 )
Ranked among companies with meaningful Cash-to-Debt only.
CBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26  Med: 1.16 Max: No Debt
Current: 0.45
Equity-to-Asset 0.13
CBF's Equity-to-Asset is ranked higher than
72% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBF: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
CBF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.16 Max: 1
Current: 0.13
0.13
1
Interest Coverage 2.59
CBF's Interest Coverage is ranked higher than
62% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CBF: 2.59 )
Ranked among companies with meaningful Interest Coverage only.
CBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 2.39 Max: No Debt
Current: 2.59
Piotroski F-Score: 3
Beneish M-Score: -3.26
WACC vs ROIC
7.58%
3.91%
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 % 29.00
CBF's Operating Margin % is ranked lower than
55% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. CBF: 29.00 )
Ranked among companies with meaningful Operating Margin % only.
CBF' s Operating Margin % Range Over the Past 10 Years
Min: -197.22  Med: 20.26 Max: 29.97
Current: 29
-197.22
29.97
Net Margin % 18.93
CBF's Net Margin % is ranked lower than
61% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. CBF: 18.93 )
Ranked among companies with meaningful Net Margin % only.
CBF' s Net Margin % Range Over the Past 10 Years
Min: -127.78  Med: 16.73 Max: 21.43
Current: 18.93
-127.78
21.43
ROE % 5.46
CBF's ROE % is ranked lower than
71% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CBF: 5.46 )
Ranked among companies with meaningful ROE % only.
CBF' s ROE % Range Over the Past 10 Years
Min: -0.02  Med: 4.06 Max: 5.46
Current: 5.46
-0.02
5.46
ROA % 0.72
CBF's ROA % is ranked lower than
61% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CBF: 0.72 )
Ranked among companies with meaningful ROA % only.
CBF' s ROA % Range Over the Past 10 Years
Min: -0.02  Med: 0.64 Max: 0.77
Current: 0.72
-0.02
0.77
3-Year Revenue Growth Rate 4.50
CBF's 3-Year Revenue Growth Rate is ranked higher than
53% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. CBF: 4.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CBF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.4 Max: 59.1
Current: 4.5
0
59.1
3-Year EBITDA Growth Rate 12.90
CBF's 3-Year EBITDA Growth Rate is ranked higher than
69% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CBF: 12.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CBF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 30.9 Max: 78
Current: 12.9
0
78
3-Year EPS without NRI Growth Rate 20.60
CBF's 3-Year EPS without NRI Growth Rate is ranked higher than
79% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CBF: 20.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CBF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 20.6 Max: 93.9
Current: 20.6
0
93.9
GuruFocus has detected 6 Warning Signs with Capital Bank Financial Corp $CBF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CBF's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CBF Guru Trades in Q1 2016

Paul Tudor Jones 9,437 sh (New)
Jim Simons 165,700 sh (+37.96%)
Chuck Royce Sold Out
NWQ Managers 2,184,651 sh (-11.21%)
» More
Q2 2016

CBF Guru Trades in Q2 2016

Paul Tudor Jones Sold Out
NWQ Managers 1,713,529 sh (-21.57%)
Jim Simons 93,100 sh (-43.81%)
» More
Q3 2016

CBF Guru Trades in Q3 2016

Jim Simons 97,300 sh (+4.51%)
NWQ Managers 1,679,845 sh (-1.97%)
» More
Q4 2016

CBF Guru Trades in Q4 2016

Paul Tudor Jones 6,933 sh (New)
Keeley Asset Management Corp 122,160 sh (New)
Mario Gabelli 20,000 sh (New)
Jim Simons 375,699 sh (+286.12%)
NWQ Managers 1,631,578 sh (-2.87%)
» More
» Details

Insider Trades

Latest Guru Trades with CBF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:COLB, NAS:ONB, NAS:TRMK, NAS:IBOC, NAS:CVBF, NAS:FMBI, NYSE:GWB, NAS:EGBN, NAS:TOWN, NYSE:CBU, NYSE:FCB, NYSE:EVER, NAS:UCBI, NAS:SFBS, NAS:SSB, NAS:GBCI, NAS:LTXB, NAS:HOPE, NAS:FFIN, NAS:BANR » details
Capital Bank Financial Corp is a bank holding company. It operates 162 branches in Florida, North and South Carolina, Tennessee, and Virginia. It offers commercial and consumer loans and deposits, as well as ancillary financial services.

Capital Bank Financial Corp was organized in November 2009. It is a bank holding company which offers various commercial and consumer loans and deposits, as well as ancillary financial services. Since inception, the Company has acquired seven depository institutions, including the assets and certain deposits of three failed banks from the Federal Deposit Insurance Corporation. It operates 163 branches in Florida, North Carolina, South Carolina, Tennessee, and Virginia. The Company's service lines include Commercial Bank and Consumer Bank. Commercial bank business line consists of teams of commercial loan officers operating under the leadership of commercial market presidents in Florida, the Carolinas and Tennessee. Its consumer bank business line consists of Capital Bank's retail banking branches and associated businesses. The Company has organized the consumer bank by geographical market, with divisions consisting of its Florida, Carolina and Tennessee branches. The Company's competitors include Bank of America, Wells Fargo, BB&T, First Citizens, SunTrust, Regions, FNB United Corp., Toronto-Dominion, Synovus, First Financial, SCBT, JPMorgan Chase, Citigroup, EverBank, Fifth Third Bancorp, First Horizon, Pinnacle Financial, First South and U.S. Bancorp. The Company is subject to supervision and regulation by the Board of Governors of the Federal Reserve System. Its national bank subsidiary is subject to supervision and regulation by the OCC, the Consumer Financial Protection Bureau and the FDIC.

Ratios

vs
industry
vs
history
PE Ratio 33.19
CBF's PE Ratio is ranked lower than
92% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CBF: 33.19 )
Ranked among companies with meaningful PE Ratio only.
CBF' s PE Ratio Range Over the Past 10 Years
Min: 14.9  Med: 26.03 Max: 44.04
Current: 33.19
14.9
44.04
Forward PE Ratio 22.42
CBF's Forward PE Ratio is ranked lower than
94% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. CBF: 22.42 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 33.19
CBF's PE Ratio without NRI is ranked lower than
91% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CBF: 33.19 )
Ranked among companies with meaningful PE Ratio without NRI only.
CBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.9  Med: 26.03 Max: 44.04
Current: 33.19
14.9
44.04
Price-to-Owner-Earnings 19.92
CBF's Price-to-Owner-Earnings is ranked lower than
73% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. CBF: 19.92 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CBF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 13.91  Med: 17.51 Max: 27.29
Current: 19.92
13.91
27.29
PB Ratio 1.67
CBF's PB Ratio is ranked lower than
77% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CBF: 1.67 )
Ranked among companies with meaningful PB Ratio only.
CBF' s PB Ratio Range Over the Past 10 Years
Min: 0.74  Med: 1.16 Max: 1.77
Current: 1.67
0.74
1.77
PS Ratio 6.16
CBF's PS Ratio is ranked lower than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. CBF: 6.16 )
Ranked among companies with meaningful PS Ratio only.
CBF' s PS Ratio Range Over the Past 10 Years
Min: 2.25  Med: 4.44 Max: 6.38
Current: 6.16
2.25
6.38
Price-to-Free-Cash-Flow 59.08
CBF's Price-to-Free-Cash-Flow is ranked lower than
94% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CBF: 59.08 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CBF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 39.74  Med: 74.74 Max: 2366.43
Current: 59.08
39.74
2366.43
Price-to-Operating-Cash-Flow 43.88
CBF's Price-to-Operating-Cash-Flow is ranked lower than
94% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. CBF: 43.88 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CBF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 34.53  Med: 122.02 Max: 817.42
Current: 43.88
34.53
817.42
EV-to-EBIT 28.84
CBF's EV-to-EBIT is ranked lower than
86% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. CBF: 28.84 )
Ranked among companies with meaningful EV-to-EBIT only.
CBF' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.9  Med: 20 Max: 29.84
Current: 28.84
6.9
29.84
EV-to-EBITDA 24.14
CBF's EV-to-EBITDA is ranked lower than
85% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. CBF: 24.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
CBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.8  Med: 16.1 Max: 24.92
Current: 24.14
4.8
24.92
PEG Ratio 0.83
CBF's PEG Ratio is ranked higher than
69% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CBF: 0.83 )
Ranked among companies with meaningful PEG Ratio only.
CBF' s PEG Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.52 Max: 0.97
Current: 0.83
0.28
0.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.04
CBF's Dividend Yield % is ranked lower than
88% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CBF: 1.04 )
Ranked among companies with meaningful Dividend Yield % only.
CBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.3  Med: 1 Max: 1.28
Current: 1.04
0.3
1.28
Dividend Payout Ratio 0.33
CBF's Dividend Payout Ratio is ranked lower than
52% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CBF: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.21 Max: 0.33
Current: 0.33
0.09
0.33
Forward Dividend Yield % 1.13
CBF's Forward Dividend Yield % is ranked lower than
89% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CBF: 1.13 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.02
CBF's 5-Year Yield-on-Cost % is ranked lower than
90% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. CBF: 1.02 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CBF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.3  Med: 1 Max: 1.28
Current: 1.02
0.3
1.28
3-Year Average Share Buyback Ratio 0.20
CBF's 3-Year Average Share Buyback Ratio is ranked higher than
76% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CBF: 0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -10.9  Med: 0.2 Max: 0
Current: 0.2
-10.9
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.14
CBF's Price-to-Tangible-Book is ranked lower than
83% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CBF: 2.14 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.96  Med: 1.4 Max: 2.23
Current: 2.14
0.96
2.23
Price-to-Intrinsic-Value-Projected-FCF 2.51
CBF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
93% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBF: 2.51 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CBF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 2.33  Med: 2.65 Max: 2.96
Current: 2.51
2.33
2.96
Price-to-Median-PS-Value 1.38
CBF's Price-to-Median-PS-Value is ranked lower than
72% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CBF: 1.38 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CBF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.05 Max: 1.44
Current: 1.38
0.57
1.44
Price-to-Peter-Lynch-Fair-Value 1.33
CBF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
57% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CBF: 1.33 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CBF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.23  Med: 1.23 Max: 1.38
Current: 1.33
1.23
1.38
Price-to-Graham-Number 1.78
CBF's Price-to-Graham-Number is ranked lower than
93% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CBF: 1.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.84  Med: 1.31 Max: 1.85
Current: 1.78
0.84
1.85
Earnings Yield (Greenblatt) % 3.46
CBF's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. CBF: 3.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.35  Med: 5 Max: 14.5
Current: 3.46
3.35
14.5
Forward Rate of Return (Yacktman) % 34.28
CBF's Forward Rate of Return (Yacktman) % is ranked higher than
86% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CBF: 34.28 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CBF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 34.1  Med: 42.6 Max: 87.5
Current: 34.28
34.1
87.5

More Statistics

Revenue (TTM) (Mil) $307.2
EPS (TTM) $ 1.28
Beta0.81
Short Percentage of Float5.75%
52-Week Range $27.71 - 45.00
Shares Outstanding (Mil)51.78

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 399 428
EPS ($) 1.89 2.20
EPS without NRI ($) 1.89 2.20
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.48 0.52
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