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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

Interest Coverage 0.43
CCFH's Interest Coverage is ranked lower than
99.99% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. CCFH: 0.43 )
Ranked among companies with meaningful Interest Coverage only.
CCFH' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 0.43
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 : 2/10

» CCFH's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
CCF Holding Co is a bank holding company for Heritage Bank. It attracts deposits from the general public and uses such deposits to originate commercial, residential and consumer loans and invest in investment securities.

CCF Holding Co a Georgia corporation, was organized in March 1995 at the direction of Clayton County Federal Savings and Loan Association in connection with the Bank's conversion from a mutual to stock form of organization. In July 1995, the Bank completed its conversion and became a wholly owned subsidiary of the Company. In February 1997, the Bank changed its name to Heritage Bank. The Company is a bank holding company and the Bank is a commercial bank chartered by the State of Georgia. Prior to September 1998, the Company was a savings and loan holding company and the Bank was a federally chartered savings bank. The Company has not engaged in any business to date other than the ownership of the Bank. The Bank, through its predecessors, commenced business in 1955. Prior to 1997, the Bank operated as a traditional savings and loan, attracting deposit accounts from the general public and using these deposits, together with other funds, primarily to originate and invest in long-term conventional loans secured by single-family residential real estate. Since the early part of 1997, the Bank began to offer more of the products and services of a commercial bank in order to compete on a broader scale in the highly competitive financial services industry. As a result, the Bank's primary lending activities are in the form of commercial loans rather than long-term conventional loans secured by residential real estate.



Valuation & Return


More Statistics

Revenue (TTM) (Mil) $20.43
EPS (TTM) $ 1.09
Short Percentage of Float0.07%
52-Week Range $0.60 - 0.96
Shares Outstanding (Mil)3.61
» More Articles for CCFH


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CCF Holding Company (CCFH) CFO Mary Jo Rogers buys 10,000 Shares Feb 27 2009 

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