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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.04
CHFN's Cash to Debt is ranked lower than
55% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CHFN: 1.04 )
Ranked among companies with meaningful Cash to Debt only.
CHFN' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.16 Max: 2.69
Current: 1.04
0.02
2.69
Equity to Asset 0.20
CHFN's Equity to Asset is ranked higher than
91% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHFN: 0.20 )
Ranked among companies with meaningful Equity to Asset only.
CHFN' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.23 Max: 0.27
Current: 0.2
0.11
0.27
Interest Coverage 2.63
CHFN's Interest Coverage is ranked higher than
62% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CHFN: 2.63 )
Ranked among companies with meaningful Interest Coverage only.
CHFN' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.61 Max: 1.67
Current: 2.63
0.12
1.67
F-Score: 6
WACC vs ROIC
3.59%
3.99%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 25.75
CHFN's Operating margin (%) is ranked lower than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CHFN: 25.75 )
Ranked among companies with meaningful Operating margin (%) only.
CHFN' s Operating margin (%) Range Over the Past 10 Years
Min: 7.53  Med: 18.99 Max: 45.84
Current: 25.75
7.53
45.84
Net-margin (%) 17.00
CHFN's Net-margin (%) is ranked lower than
69% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CHFN: 17.00 )
Ranked among companies with meaningful Net-margin (%) only.
CHFN' s Net-margin (%) Range Over the Past 10 Years
Min: 5.78  Med: 13.30 Max: 36.23
Current: 17
5.78
36.23
ROE (%) 4.11
CHFN's ROE (%) is ranked lower than
79% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CHFN: 4.11 )
Ranked among companies with meaningful ROE (%) only.
CHFN' s ROE (%) Range Over the Past 10 Years
Min: 1.27  Med: 3.14 Max: 5.22
Current: 4.11
1.27
5.22
ROA (%) 0.85
CHFN's ROA (%) is ranked lower than
51% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CHFN: 0.85 )
Ranked among companies with meaningful ROA (%) only.
CHFN' s ROA (%) Range Over the Past 10 Years
Min: 0.2  Med: 0.57 Max: 1.24
Current: 0.85
0.2
1.24
Revenue Growth (3Y)(%) 2.30
CHFN's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CHFN: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CHFN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.30 Max: 23.9
Current: 2.3
0
23.9
EBITDA Growth (3Y)(%) 16.40
CHFN's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CHFN: 16.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CHFN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -16.80 Max: 50.4
Current: 16.4
0
50.4
EPS Growth (3Y)(%) 10.10
CHFN's EPS Growth (3Y)(%) is ranked higher than
56% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CHFN: 10.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CHFN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -18.00 Max: 62.5
Current: 10.1
0
62.5
» CHFN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

CHFN Guru Trades in Q4 2014

Jim Simons 652,882 sh (+19.32%)
Charles Brandes 223,725 sh (+0.61%)
Zeke Ashton 112,500 sh (unchged)
Private Capital 630,958 sh (-1.22%)
» More
Q1 2015

CHFN Guru Trades in Q1 2015

Private Capital 836,201 sh (+32.53%)
Jim Simons 701,982 sh (+7.52%)
Charles Brandes 224,545 sh (+0.37%)
Zeke Ashton 112,500 sh (unchged)
» More
Q2 2015

CHFN Guru Trades in Q2 2015

Jim Simons 774,358 sh (+10.31%)
Charles Brandes 245,980 sh (+9.55%)
Private Capital 856,036 sh (+2.37%)
Zeke Ashton 112,500 sh (unchged)
» More
Q3 2015

CHFN Guru Trades in Q3 2015

Jim Simons 864,459 sh (+11.64%)
Private Capital 875,602 sh (+2.29%)
Charles Brandes 246,396 sh (+0.17%)
Zeke Ashton 112,500 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CHFN

(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) 37.89
CHFN's P/E(ttm) is ranked lower than
92% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CHFN: 37.89 )
Ranked among companies with meaningful P/E(ttm) only.
CHFN' s P/E(ttm) Range Over the Past 10 Years
Min: 2.72  Med: 37.46 Max: 762.5
Current: 37.89
2.72
762.5
Forward P/E 18.08
CHFN's Forward P/E is ranked lower than
93% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. CHFN: 18.08 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 38.39
CHFN's PE(NRI) is ranked lower than
92% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CHFN: 38.39 )
Ranked among companies with meaningful PE(NRI) only.
CHFN' s PE(NRI) Range Over the Past 10 Years
Min: 2.72  Med: 37.50 Max: 762.5
Current: 38.39
2.72
762.5
P/B 1.04
CHFN's P/B is ranked lower than
54% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CHFN: 1.04 )
Ranked among companies with meaningful P/B only.
CHFN' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 1.28 Max: 3.89
Current: 1.04
0.54
3.89
P/S 4.71
CHFN's P/S is ranked lower than
79% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. CHFN: 4.71 )
Ranked among companies with meaningful P/S only.
CHFN' s P/S Range Over the Past 10 Years
Min: 3.28  Med: 5.26 Max: 44.85
Current: 4.71
3.28
44.85
PFCF 11.86
CHFN's PFCF is ranked lower than
63% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. CHFN: 11.86 )
Ranked among companies with meaningful PFCF only.
CHFN' s PFCF Range Over the Past 10 Years
Min: 11.05  Med: 122.24 Max: 99999999.99
Current: 11.86
11.05
99999999.99
POCF 11.33
CHFN's POCF is ranked lower than
70% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. CHFN: 11.33 )
Ranked among companies with meaningful POCF only.
CHFN' s POCF Range Over the Past 10 Years
Min: 10.57  Med: 67.19 Max: 1105
Current: 11.33
10.57
1105
EV-to-EBIT 28.56
CHFN's EV-to-EBIT is ranked lower than
83% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. CHFN: 28.56 )
Ranked among companies with meaningful EV-to-EBIT only.
CHFN' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.5  Med: 43.00 Max: 160.5
Current: 28.56
2.5
160.5
EV-to-EBITDA 24.15
CHFN's EV-to-EBITDA is ranked lower than
82% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. CHFN: 24.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHFN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.1  Med: 32.70 Max: 121.6
Current: 24.15
2.1
121.6
PEG 3.48
CHFN's PEG is ranked lower than
85% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CHFN: 3.48 )
Ranked among companies with meaningful PEG only.
CHFN' s PEG Range Over the Past 10 Years
Min: 0.05  Med: 1.82 Max: 199.84
Current: 3.48
0.05
199.84
Shiller P/E 19.37
CHFN's Shiller P/E is ranked lower than
64% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. CHFN: 19.37 )
Ranked among companies with meaningful Shiller P/E only.
CHFN' s Shiller P/E Range Over the Past 10 Years
Min: 15.14  Med: 17.15 Max: 20.39
Current: 19.37
15.14
20.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.53
CHFN's Dividend Yield is ranked lower than
78% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CHFN: 1.53 )
Ranked among companies with meaningful Dividend Yield only.
CHFN' s Dividend Yield Range Over the Past 10 Years
Min: 0.39  Med: 2.79 Max: 24
Current: 1.53
0.39
24
Dividend Payout 0.59
CHFN's Dividend Payout is ranked lower than
80% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CHFN: 0.59 )
Ranked among companies with meaningful Dividend Payout only.
CHFN' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 1.50 Max: 8.33
Current: 0.59
0.33
8.33
Dividend Growth (3y) 26.00
CHFN's Dividend Growth (3y) is ranked higher than
85% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. CHFN: 26.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CHFN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 81.7
Current: 26
0
81.7
Forward Dividend Yield 1.54
CHFN's Forward Dividend Yield is ranked lower than
83% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CHFN: 1.54 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.94
CHFN's Yield on cost (5-Year) is ranked lower than
90% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CHFN: 0.94 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CHFN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.24  Med: 1.70 Max: 14.65
Current: 0.94
0.24
14.65
3-Year Average Share Buyback Ratio 5.70
CHFN's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CHFN: 5.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CHFN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4  Med: 1.60 Max: 0
Current: 5.7
-4
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
CHFN's Price/Tangible Book is ranked higher than
51% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. CHFN: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
CHFN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 1.77 Max: 3
Current: 1.07
0.89
3
Price/Projected FCF 1.13
CHFN's Price/Projected FCF is ranked lower than
85% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CHFN: 1.13 )
Ranked among companies with meaningful Price/Projected FCF only.
CHFN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.98  Med: 1.27 Max: 2.94
Current: 1.13
0.98
2.94
Price/Median PS Value 0.89
CHFN's Price/Median PS Value is ranked higher than
64% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CHFN: 0.89 )
Ranked among companies with meaningful Price/Median PS Value only.
CHFN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.64  Med: 1.82 Max: 7.4
Current: 0.89
0.64
7.4
Price/Peter Lynch Fair Value 2.21
CHFN's Price/Peter Lynch Fair Value is ranked lower than
92% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CHFN: 2.21 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CHFN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.26  Med: 2.62 Max: 45.37
Current: 2.21
1.26
45.37
Price/Graham Number 1.33
CHFN's Price/Graham Number is ranked lower than
88% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CHFN: 1.33 )
Ranked among companies with meaningful Price/Graham Number only.
CHFN' s Price/Graham Number Range Over the Past 10 Years
Min: 1.15  Med: 2.44 Max: 4.81
Current: 1.33
1.15
4.81
Earnings Yield (Greenblatt) (%) 3.49
CHFN's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CHFN: 3.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CHFN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 2.30 Max: 39.8
Current: 3.49
0.6
39.8
Forward Rate of Return (Yacktman) (%) 19.19
CHFN's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CHFN: 19.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CHFN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -25.1  Med: 11.40 Max: 62.3
Current: 19.19
-25.1
62.3

More Statistics

Revenue(Mil) $50
EPS $ 0.54
Beta0.15
Short Percentage of Float1.81%
52-Week Range $11.26 - 14.76
Shares Outstanding(Mil)15.91

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Charter Financial Corp is a federally chartered corporation established in October 2001 and is a savings and loan holding company. Charter Financial Corp serves as the holding company for CharterBank. CharterBank is a federally chartered stock savings bank. The Company's principal business consists of attracting retail deposits from the general public and investing those deposits, together with funds generated from operations, in investment securities, commercial real estate loans, one- to four-family residential mortgage loans, construction loans and, to a lesser extent, commercial business loans, home equity loans and lines of credit and other consumer loans. First Charter, MHC is the Company's federally chartered mutual holding company. The Company offers a range of loan products with a variety of rates and terms. Its lending operations consist of segments including commercial real estate lending; single-family residential mortgage lending for retention in its portfolio; construction lending; and residential mortgage lending for resale in the secondary mortgage market, generally on a servicing-released basis. To a lesser extent, the Company also originates commercial business loans, home equity loans and lines of credit and other consumer loans. The Company offers commercial real estate lending, which involves additional risks compared to one- to four-family residential lending. Repayment of commercial real estate loans often depends on the successful operations and income stream of the borrowers, and commercial real estate loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to residential real estate loans. It originates first and second mortgage loans secured by one- to four-family residential properties within Georgia and Alabama. It faces competition both in making loans and attracting deposits. Its competition for loans comes from commercial banks, savings institutions, mortgage banking firms, credit unions, finance companies, credit card banks, insurance companies and brokerage and investment banking firms. It faces additional competition for deposits from short-term money market funds and other corporate and government securities funds and from brokerage firms and insurance companies. It is also subject to the rules and regulations of the Securities and Exchange Commission under the federal securities laws.
» More Articles for CHFN

Headlines

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