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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 0.46
CBF's Cash to Debt is ranked lower than
71% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CBF: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
CBF' s 10-Year Cash to Debt Range
Min: 0.41  Med: 1.54 Max: N/A
Current: 0.46
Equity to Asset 0.15
CBF's Equity to Asset is ranked higher than
83% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CBF: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
CBF' s 10-Year Equity to Asset Range
Min: 0.14  Med: 0.16 Max: 0.25
Current: 0.15
0.14
0.25
Interest Coverage 3.30
CBF's Interest Coverage is ranked higher than
70% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CBF: 3.30 )
Ranked among companies with meaningful Interest Coverage only.
CBF' s 10-Year Interest Coverage Range
Min: 0.33  Med: 1.98 Max: 9999.99
Current: 3.3
0.33
9999.99
F-Score: 4
WACC vs ROIC
4.01%
4.01%
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 (%) 28.29
CBF's Operating margin (%) is ranked lower than
53% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CBF: 28.29 )
Ranked among companies with meaningful Operating margin (%) only.
CBF' s 10-Year Operating margin (%) Range
Min: -197.22  Med: 15.06 Max: 28.15
Current: 28.29
-197.22
28.15
Net-margin (%) 17.81
CBF's Net-margin (%) is ranked lower than
62% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CBF: 17.81 )
Ranked among companies with meaningful Net-margin (%) only.
CBF' s 10-Year Net-margin (%) Range
Min: -127.78  Med: 14.08 Max: 21.43
Current: 17.81
-127.78
21.43
ROE (%) 4.75
CBF's ROE (%) is ranked lower than
74% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CBF: 4.75 )
Ranked among companies with meaningful ROE (%) only.
CBF' s 10-Year ROE (%) Range
Min: 0.69  Med: 3.43 Max: 4.87
Current: 4.75
0.69
4.87
ROA (%) 0.76
CBF's ROA (%) is ranked lower than
54% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBF: 0.76 )
Ranked among companies with meaningful ROA (%) only.
CBF' s 10-Year ROA (%) Range
Min: 0.12  Med: 0.60 Max: 0.76
Current: 0.76
0.12
0.76
ROC (Joel Greenblatt) (%) 46.57
CBF's ROC (Joel Greenblatt) (%) is ranked lower than
64% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CBF: 46.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 11.73  Med: 35.00 Max: 49.89
Current: 46.57
11.73
49.89
Revenue Growth (3Y)(%) 4.40
CBF's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CBF: 4.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.40 Max: 59.1
Current: 4.4
0
59.1
EBITDA Growth (3Y)(%) 65.80
CBF's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CBF: 65.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 62.30 Max: 65.8
Current: 65.8
0
65.8
EPS Growth (3Y)(%) 93.90
CBF's EPS Growth (3Y)(%) is ranked higher than
97% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CBF: 93.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CBF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 33.00 Max: 93.9
Current: 93.9
0
93.9
» CBF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CBF Guru Trades in Q2 2014

Chuck Royce 497,010 sh (-6.40%)
Jim Simons 25,547 sh (-69.36%)
» More
Q3 2014

CBF Guru Trades in Q3 2014

NWQ Managers 505,124 sh (New)
Chuck Royce 486,510 sh (-2.11%)
Jim Simons 13,200 sh (-48.33%)
» More
Q4 2014

CBF Guru Trades in Q4 2014

Jim Simons 53,100 sh (+302.27%)
NWQ Managers 1,925,636 sh (+281.22%)
NWQ Managers 1,925,636 sh (+281.22%)
Chuck Royce 470,510 sh (-3.29%)
» More
Q1 2015

CBF Guru Trades in Q1 2015

Jim Simons 70,700 sh (+33.15%)
NWQ Managers 2,217,264 sh (+15.14%)
Chuck Royce 449,510 sh (-4.46%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 27.77
CBF's P/E(ttm) is ranked lower than
87% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CBF: 27.77 )
Ranked among companies with meaningful P/E(ttm) only.
CBF' s 10-Year P/E(ttm) Range
Min: 14.29  Med: 25.74 Max: 40.66
Current: 27.77
14.29
40.66
Forward P/E 20.04
CBF's Forward P/E is ranked lower than
92% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CBF: 20.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 29.00
CBF's PE(NRI) is ranked lower than
86% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CBF: 29.00 )
Ranked among companies with meaningful PE(NRI) only.
CBF' s 10-Year PE(NRI) Range
Min: 14.35  Med: 25.60 Max: 40.95
Current: 29
14.35
40.95
P/B 1.32
CBF's P/B is ranked lower than
70% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CBF: 1.32 )
Ranked among companies with meaningful P/B only.
CBF' s 10-Year P/B Range
Min: 0.74  Med: 1.07 Max: 1.37
Current: 1.32
0.74
1.37
P/S 4.97
CBF's P/S is ranked lower than
81% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CBF: 4.97 )
Ranked among companies with meaningful P/S only.
CBF' s 10-Year P/S Range
Min: 2.32  Med: 3.89 Max: 5.21
Current: 4.97
2.32
5.21
POCF 80.74
CBF's POCF is ranked lower than
97% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CBF: 80.74 )
Ranked among companies with meaningful POCF only.
CBF' s 10-Year POCF Range
Min: 11.31  Med: 13.21 Max: 84.58
Current: 80.74
11.31
84.58
EV-to-EBIT 21.08
CBF's EV-to-EBIT is ranked lower than
70% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CBF: 21.08 )
Ranked among companies with meaningful EV-to-EBIT only.
CBF' s 10-Year EV-to-EBIT Range
Min: 10.2  Med: 18.90 Max: 28.1
Current: 21.08
10.2
28.1
Days Sales Outstanding 4.05
CBF's Days Sales Outstanding is ranked higher than
93% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. CBF: 4.05 )
Ranked among companies with meaningful Days Sales Outstanding only.
CBF' s 10-Year Days Sales Outstanding Range
Min: 4.61  Med: 162.29 Max: 737.69
Current: 4.05
4.61
737.69

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
CBF's Price/Tangible Book is ranked lower than
71% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CBF: 1.53 )
Ranked among companies with meaningful Price/Tangible Book only.
CBF' s 10-Year Price/Tangible Book Range
Min: 0.96  Med: 1.24 Max: 1.46
Current: 1.53
0.96
1.46
Price/Median PS Value 1.28
CBF's Price/Median PS Value is ranked lower than
76% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CBF: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
CBF' s 10-Year Price/Median PS Value Range
Min: 0.66  Med: 0.99 Max: 1.21
Current: 1.28
0.66
1.21
Price/Graham Number 1.36
CBF's Price/Graham Number is ranked lower than
85% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CBF: 1.36 )
Ranked among companies with meaningful Price/Graham Number only.
CBF' s 10-Year Price/Graham Number Range
Min: 0.86  Med: 1.17 Max: 1.41
Current: 1.36
0.86
1.41
Earnings Yield (Greenblatt) (%) 4.90
CBF's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CBF: 4.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.6  Med: 5.30 Max: 9.8
Current: 4.9
3.6
9.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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.
» More Articles for CBF

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