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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 2.55
CHFN's Cash-to-Debt is ranked higher than
54% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. CHFN: 2.55 )
Ranked among companies with meaningful Cash-to-Debt only.
CHFN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.85 Max: N/A
Current: 2.55
Equity-to-Asset 0.14
CHFN's Equity-to-Asset is ranked higher than
83% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHFN: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
CHFN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.22 Max: 0.29
Current: 0.14
0.1
0.29
Interest Coverage 3.07
CHFN's Interest Coverage is ranked higher than
68% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. CHFN: 3.07 )
Ranked among companies with meaningful Interest Coverage only.
CHFN' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.64 Max: 3.19
Current: 3.07
0.12
3.19
Piotroski F-Score: 7
Beneish M-Score: -2.04
WACC vs ROIC
4.42%
8.02%
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 : 9/10

vs
industry
vs
history
Operating Margin % 29.01
CHFN's Operating Margin % is ranked lower than
54% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. CHFN: 29.01 )
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: 29.01
7.53
45.84
Net Margin % 19.14
CHFN's Net Margin % is ranked lower than
61% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. CHFN: 19.14 )
Ranked among companies with meaningful Net Margin % only.
CHFN' s Net Margin % Range Over the Past 10 Years
Min: 5.78  Med: 13.3 Max: 36.23
Current: 19.14
5.78
36.23
ROE % 6.12
CHFN's ROE % is ranked lower than
66% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. CHFN: 6.12 )
Ranked among companies with meaningful ROE % only.
CHFN' s ROE % Range Over the Past 10 Years
Min: 1.27  Med: 3.27 Max: 6.12
Current: 6.12
1.27
6.12
ROA % 0.96
CHFN's ROA % is ranked higher than
58% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CHFN: 0.96 )
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: 0.96
0.2
1.24
3-Year Revenue Growth Rate 23.10
CHFN's 3-Year Revenue Growth Rate is ranked higher than
93% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. CHFN: 23.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CHFN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.65 Max: 137.5
Current: 23.1
0
137.5
3-Year EBITDA Growth Rate 36.20
CHFN's 3-Year EBITDA Growth Rate is ranked higher than
91% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CHFN: 36.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CHFN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.3 Max: 51.2
Current: 36.2
0
51.2
3-Year EPS without NRI Growth Rate 38.10
CHFN's 3-Year EPS without NRI Growth Rate is ranked higher than
90% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CHFN: 38.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CHFN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -10.1 Max: 62.3
Current: 38.1
0
62.3
GuruFocus has detected 3 Warning Signs with Charter Financial Corp $CHFN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CHFN's 10-Y Financials

Financials (Next Earnings Date: 2017-04-28 Est.)


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

» Details

Guru Trades

Q1 2016

CHFN Guru Trades in Q1 2016

Private Capital 918,074 sh (+6.09%)
Jim Simons 914,759 sh (-2.17%)
Charles Brandes 222,565 sh (-15.46%)
» More
Q2 2016

CHFN Guru Trades in Q2 2016

Zeke Ashton 23,500 sh (New)
Private Capital 1,006,498 sh (+9.63%)
Charles Brandes 222,190 sh (-0.17%)
Jim Simons 897,159 sh (-1.92%)
» More
Q3 2016

CHFN Guru Trades in Q3 2016

Private Capital 1,053,480 sh (+4.67%)
Jim Simons 910,159 sh (+1.45%)
Zeke Ashton Sold Out
Charles Brandes 82,527 sh (-62.86%)
» More
Q4 2016

CHFN Guru Trades in Q4 2016

Charles Brandes 84,891 sh (+2.86%)
Jim Simons 900,259 sh (-1.09%)
Private Capital 981,829 sh (-6.80%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
Compare:NAS:ANCX, NAS:CZNC, NAS:FFKT, NAS:TBBK, NAS:PBNC, NAS:ATLO, NAS:PFIS, NAS:NKSH, OTCPK:IALB, NAS:OLBK, NAS:BWFG, NAS:FBMS, OTCPK:CATC, OTCPK:FFMR, OTCPK:ALRS, NAS:MBRG, NAS:BLMT, NAS:FNLC, NAS:MBTF, NAS:WNEB » details
Charter Financial Corp is a savings and loan holding company. The Company is engaged in attracting retail deposits from the general public and investing those deposits, together with funds generated from operations.

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.

Ratios

vs
industry
vs
history
PE Ratio 22.13
CHFN's PE Ratio is ranked lower than
81% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. CHFN: 22.13 )
Ranked among companies with meaningful PE Ratio only.
CHFN' s PE Ratio Range Over the Past 10 Years
Min: 2.73  Med: 35 Max: 762.5
Current: 22.13
2.73
762.5
PE Ratio without NRI 22.13
CHFN's PE Ratio without NRI is ranked lower than
81% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. CHFN: 22.13 )
Ranked among companies with meaningful PE Ratio without NRI only.
CHFN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.73  Med: 35 Max: 762.5
Current: 22.13
2.73
762.5
Price-to-Owner-Earnings 14.16
CHFN's Price-to-Owner-Earnings is ranked higher than
50% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. CHFN: 14.16 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CHFN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.05  Med: 28.41 Max: 384.55
Current: 14.16
3.05
384.55
PB Ratio 1.35
CHFN's PB Ratio is ranked lower than
63% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CHFN: 1.35 )
Ranked among companies with meaningful PB Ratio only.
CHFN' s PB Ratio Range Over the Past 10 Years
Min: 0.54  Med: 1.19 Max: 3.89
Current: 1.35
0.54
3.89
PS Ratio 4.24
CHFN's PS Ratio is ranked lower than
69% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CHFN: 4.24 )
Ranked among companies with meaningful PS Ratio only.
CHFN' s PS Ratio Range Over the Past 10 Years
Min: 3.02  Med: 4.89 Max: 45.39
Current: 4.24
3.02
45.39
Price-to-Free-Cash-Flow 18.99
CHFN's Price-to-Free-Cash-Flow is ranked lower than
76% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. CHFN: 18.99 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CHFN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 10.73  Med: 83.33 Max: 580.65
Current: 18.99
10.73
580.65
Price-to-Operating-Cash-Flow 16.98
CHFN's Price-to-Operating-Cash-Flow is ranked lower than
77% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. CHFN: 16.98 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CHFN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 10.73  Med: 50.26 Max: 2762.5
Current: 16.98
10.73
2762.5
EV-to-EBIT 9.98
CHFN's EV-to-EBIT is ranked higher than
58% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. CHFN: 9.98 )
Ranked among companies with meaningful EV-to-EBIT only.
CHFN' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.5  Med: 29 Max: 160.7
Current: 9.98
2.5
160.7
EV-to-EBITDA 9.15
CHFN's EV-to-EBITDA is ranked higher than
57% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. CHFN: 9.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHFN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.1  Med: 24.3 Max: 153.2
Current: 9.15
2.1
153.2
PEG Ratio 0.68
CHFN's PEG Ratio is ranked higher than
76% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CHFN: 0.68 )
Ranked among companies with meaningful PEG Ratio only.
CHFN' s PEG Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.81 Max: 32.25
Current: 0.68
0.05
32.25
Shiller PE Ratio 25.08
CHFN's Shiller PE Ratio is ranked lower than
64% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. CHFN: 25.08 )
Ranked among companies with meaningful Shiller PE Ratio only.
CHFN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 15.14  Med: 18.07 Max: 27.53
Current: 25.08
15.14
27.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.18
CHFN's Dividend Yield % is ranked lower than
85% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CHFN: 1.18 )
Ranked among companies with meaningful Dividend Yield % only.
CHFN' s Dividend Yield % Range Over the Past 10 Years
Min: 0.39  Med: 2 Max: 24
Current: 1.18
0.39
24
Dividend Payout Ratio 0.25
CHFN's Dividend Payout Ratio is ranked higher than
67% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CHFN: 0.25 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CHFN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.98 Max: 8.33
Current: 0.25
0.25
8.33
3-Year Dividend Growth Rate 26.00
CHFN's 3-Year Dividend Growth Rate is ranked higher than
83% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CHFN: 26.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CHFN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 81.7
Current: 26
0
81.7
Forward Dividend Yield % 1.33
CHFN's Forward Dividend Yield % is ranked lower than
84% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. CHFN: 1.33 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.76
CHFN's 5-Year Yield-on-Cost % is ranked lower than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CHFN: 1.76 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CHFN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.58  Med: 2.97 Max: 35.59
Current: 1.76
0.58
35.59
3-Year Average Share Buyback Ratio 12.90
CHFN's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CHFN: 12.90 )
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: -6.8  Med: 1.75 Max: 0
Current: 12.9
-6.8
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.58
CHFN's Price-to-Tangible-Book is ranked lower than
68% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CHFN: 1.58 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CHFN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.45 Max: 3.71
Current: 1.58
0.84
3.71
Price-to-Intrinsic-Value-Projected-FCF 1.13
CHFN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
77% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CHFN: 1.13 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CHFN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.85  Med: 1.29 Max: 4.04
Current: 1.13
0.85
4.04
Price-to-Median-PS-Value 0.86
CHFN's Price-to-Median-PS-Value is ranked higher than
81% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CHFN: 0.86 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CHFN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.08 Max: 51.47
Current: 0.86
0.63
51.47
Price-to-Peter-Lynch-Fair-Value 0.88
CHFN's Price-to-Peter-Lynch-Fair-Value is ranked higher than
65% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CHFN: 0.88 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CHFN' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.65  Med: 2.24 Max: 45.37
Current: 0.88
0.65
45.37
Price-to-Graham-Number 1.24
CHFN's Price-to-Graham-Number is ranked lower than
73% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CHFN: 1.24 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CHFN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 1.78 Max: 5.62
Current: 1.24
0.72
5.62
Earnings Yield (Greenblatt) % 10.08
CHFN's Earnings Yield (Greenblatt) % is ranked higher than
67% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. CHFN: 10.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CHFN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 3.4 Max: 39.8
Current: 10.08
0.6
39.8
Forward Rate of Return (Yacktman) % 33.77
CHFN's Forward Rate of Return (Yacktman) % is ranked higher than
87% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. CHFN: 33.77 )
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: -26.1  Med: 24.6 Max: 62.3
Current: 33.77
-26.1
62.3

More Statistics

Revenue (TTM) (Mil) $64.25
EPS (TTM) $ 0.82
Beta0.20
Short Percentage of Float0.64%
52-Week Range $12.36 - 20.10
Shares Outstanding (Mil)15.04
» More Articles for CHFN

Headlines

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More From Other Websites
Charter Financial Sees Its Composite Rating Rise To 96 Mar 14 2017
CHARTER FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Feb 24 2017
CHARTER FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 22 2017
Charter Financial Corp. (Georgia) : CHFN-US: Dividend Analysis : February 10th, 2017 (record date) :... Feb 15 2017
CHARTER FINANCIAL CORP Financials Feb 14 2017
7 Companies With Wide Margins of Safety and Rising Share Prices Feb 09 2017
CHARTER FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Feb 08 2017
ETFs with exposure to Charter Financial Corp. (Georgia) : February 2, 2017 Feb 02 2017
Charter Financial Corp. (Georgia) :CHFN-US: Earnings Analysis: Q1, 2017 By the Numbers : January 31,... Jan 31 2017
Charter posts 1Q profit Jan 27 2017
Charter posts 1Q profit Jan 27 2017
CHARTER FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 26 2017
Charter Financial Announces First Quarter Fiscal 2017 Earnings of $5.0 Million Jan 26 2017
Charter Financial Declares Increased Quarterly Cash Dividend Jan 24 2017
3 Small-Bank Buys: 2017 Trump-Proof Stocks Dec 28 2016
3 Small-Bank Stocks to Buy for 2017 Dec 27 2016
ETFs with exposure to Charter Financial Corp. (Georgia) : December 21, 2016 Dec 21 2016
Charter Financial Corp. (Georgia) :CHFN-US: Earnings Analysis: 2016 By the Numbers : December 20,... Dec 20 2016
Hedge Funds Are Dumping Charter Financial Corp (CHFN) Dec 14 2016
CHARTER FINANCIAL CORP Files SEC form 10-K, Annual Report Dec 09 2016

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