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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 higher than
61% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.91 vs. CBF: 0.46 )
CBF' s 10-Year Cash to Debt Range
Min: 0.41   Max: 3.29
Current: 0.46

0.41
3.29
Equity to Asset 0.15
CBF's Equity to Asset is ranked higher than
91% of the 2309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CBF: 0.15 )
CBF' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.25
Current: 0.15

0.14
0.25
Interest Coverage 3.30
CBF's Interest Coverage is ranked higher than
84% of the 2192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CBF: 3.30 )
CBF' s 10-Year Interest Coverage Range
Min: 0.33   Max: 9999.99
Current: 3.3

0.33
9999.99
F-Score: 4
Z-Score: 0.26
WACC vs ROIC
3.94%
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 higher than
71% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.39 vs. CBF: 28.29 )
CBF' s 10-Year Operating margin (%) Range
Min: -197.22   Max: 28.15
Current: 28.29

-197.22
28.15
Net-margin (%) 17.81
CBF's Net-margin (%) is ranked higher than
66% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. CBF: 17.81 )
CBF' s 10-Year Net-margin (%) Range
Min: -127.78   Max: 21.43
Current: 17.81

-127.78
21.43
ROE (%) 4.75
CBF's ROE (%) is ranked higher than
59% of the 2420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.01 vs. CBF: 4.75 )
CBF' s 10-Year ROE (%) Range
Min: 0.69   Max: 4.87
Current: 4.75

0.69
4.87
ROA (%) 0.76
CBF's ROA (%) is ranked higher than
70% of the 2427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBF: 0.76 )
CBF' s 10-Year ROA (%) Range
Min: 0.12   Max: 0.76
Current: 0.76

0.12
0.76
ROC (Joel Greenblatt) (%) 46.57
CBF's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 2386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 90.48 vs. CBF: 46.57 )
CBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 11.73   Max: 49.89
Current: 46.57

11.73
49.89
Revenue Growth (3Y)(%) 4.40
CBF's Revenue Growth (3Y)(%) is ranked higher than
80% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. CBF: 4.40 )
CBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 59.1
Current: 4.4

0
59.1
EBITDA Growth (3Y)(%) 65.80
CBF's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CBF: 65.80 )
CBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 65.8
Current: 65.8

0
65.8
EPS Growth (3Y)(%) 93.90
CBF's EPS Growth (3Y)(%) is ranked higher than
98% of the 1888 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. CBF: 93.90 )
CBF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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) 26.90
CBF's P/E(ttm) is ranked higher than
62% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CBF: 26.90 )
CBF' s 10-Year P/E(ttm) Range
Min: 14.29   Max: 40.66
Current: 26.9

14.29
40.66
Forward P/E 20.04
CBF's Forward P/E is ranked higher than
64% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBF: 20.04 )
N/A
PE(NRI) 27.00
CBF's PE(NRI) is ranked higher than
68% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CBF: 27.00 )
CBF' s 10-Year PE(NRI) Range
Min: 14.35   Max: 40.95
Current: 27

14.35
40.95
P/B 1.30
CBF's P/B is ranked higher than
68% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. CBF: 1.30 )
CBF' s 10-Year P/B Range
Min: 0.74   Max: 1.3
Current: 1.3

0.74
1.3
P/S 4.86
CBF's P/S is ranked lower than
53% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.74 vs. CBF: 4.86 )
CBF' s 10-Year P/S Range
Min: 2.32   Max: 5
Current: 4.86

2.32
5
POCF 78.83
CBF's POCF is ranked higher than
71% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 152.54 vs. CBF: 78.83 )
CBF' s 10-Year POCF Range
Min: 11.31   Max: 78.83
Current: 78.83

11.31
78.83
EV-to-EBIT 19.89
CBF's EV-to-EBIT is ranked higher than
72% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.11 vs. CBF: 19.89 )
CBF' s 10-Year EV-to-EBIT Range
Min: 10.2   Max: 28.1
Current: 19.89

10.2
28.1
Days Sales Outstanding 4.05
CBF's Days Sales Outstanding is ranked higher than
98% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CBF: 4.05 )
CBF' s 10-Year Days Sales Outstanding Range
Min: 4.61   Max: 737.69
Current: 4.05

4.61
737.69

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
CBF's Price/Tangible Book is ranked higher than
67% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CBF: 1.50 )
CBF' s 10-Year Price/Tangible Book Range
Min: 0.96   Max: 1.36
Current: 1.5

0.96
1.36
Price/Median PS Value 1.30
CBF's Price/Median PS Value is ranked higher than
64% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CBF: 1.30 )
CBF' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 1.22
Current: 1.3

0.67
1.22
Price/Graham Number 1.30
CBF's Price/Graham Number is ranked higher than
65% of the 3220 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBF: 1.30 )
CBF' s 10-Year Price/Graham Number Range
Min: 0.86   Max: 1.41
Current: 1.3

0.86
1.41
Earnings Yield (Greenblatt) 5.00
CBF's Earnings Yield (Greenblatt) is ranked higher than
61% of the 2411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CBF: 5.00 )
CBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.6   Max: 9.8
Current: 5

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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