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9.99 (1y: +11%)
Market Cap 226.61 M P/E(ttm) 26.40
Enterprise Value 296.61 M P/B 1.28
CHFN- NAS (USA)
Charter Financial Corp
Not Rated
Top Ranked Predictable Companies
$9.99
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.344
CHFN's Cash to Debt is ranked higher than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CHFN: 1.344 )
CHFN' s 10-Year Cash to Debt Range
Min: 0.02   Max: 1.36
Current: 1.34
0.02
1.36
Equity to Asset 0.133
CHFN's Equity to Asset is ranked higher than
75% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CHFN: 0.133 )
CHFN' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.27
Current: 0.13
0.11
0.27
Interest Coverage No Debt
CHFN's Interest Coverage is ranked lower than
59% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CHFN: No Debt )
CHFN' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.45
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 5/10

vs
industry		 vs
history
Operating margin (%) 11.10
CHFN's Operating margin (%) is ranked lower than
71% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. CHFN: 11.10 )
CHFN' s 10-Year Operating margin (%) Range
Min: 7.5   Max: 45.8
Current: 11.1
7.5
45.8
Net-margin (%) 9.9
CHFN's Net-margin (%) is ranked lower than
72% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CHFN: 9.9 )
CHFN' s 10-Year Net-margin (%) Range
Min: 3.3   Max: 51.4
Current: 9.9
3.3
51.4
ROE (%) 3.5
CHFN's ROE (%) is ranked lower than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CHFN: 3.5 )
CHFN' s 10-Year ROE (%) Range
Min: 0.2   Max: 14.5
Current: 3.5
0.2
14.5
ROA (%) 0.5
CHFN's ROA (%) is ranked lower than
59% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. CHFN: 0.5 )
CHFN' s 10-Year ROA (%) Range
Min: 0.1   Max: 3
Current: 0.5
0.1
3
Revenue Growth (%) 10.6
CHFN's Revenue Growth (%) is ranked higher than
91% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFN: 10.6 )
CHFN' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 17.4
Current: 10.6
0
17.4
EBITDA Growth (%) -16.4
CHFN's EBITDA Growth (%) is ranked lower than
94% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFN: -16.4 )
CHFN' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 35.8
Current: -16.4
0
35.8
EPS Growth (%) -19.9
CHFN's EPS Growth (%) is ranked lower than
94% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFN: -19.9 )
CHFN' s 10-Year EPS Growth (%) Range
Min: 0   Max: 43.6
Current: -19.9
0
43.6
ยป CHFN's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2011

CHFN Guru Trades in Q2 2011

Steven Cohen 11,000 sh (New)
» More
Q3 2011

CHFN Guru Trades in Q3 2011

Steven Cohen Sold Out
» More
Q4 2012

CHFN Guru Trades in Q4 2012

Jim Simons 10,300 sh (New)
» More
Q1 2013

CHFN Guru Trades in Q1 2013

Jim Simons 21,600 sh (+109.71%)
» More
» Details

Insider Trades

Latest Guru Trades with CHFN



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 26.40
CHFN's P/E(ttm) is ranked lower than
86% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CHFN: 26.40 )
CHFN' s 10-Year P/E(ttm) Range
Min: 11.19   Max: 285
Current: 26.4
11.19
285
P/B 1.28
CHFN's P/B is ranked lower than
76% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CHFN: 1.28 )
CHFN' s 10-Year P/B Range
Min: 0.55   Max: 3.97
Current: 1.28
0.55
3.97
P/S 3.70
CHFN's P/S is ranked lower than
74% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CHFN: 3.70 )
CHFN' s 10-Year P/S Range
Min: 3.3   Max: 35.3
Current: 3.7
3.3
35.3
EV-to-EBIT 34.49
CHFN's EV-to-EBIT is ranked lower than
81% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CHFN: 34.49 )
CHFN' s 10-Year EV-to-EBIT Range
Min: 2.6   Max: 423
Current: 34.49
2.6
423
Shiller P/E 23.74
CHFN's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CHFN: 23.74 )
CHFN' s 10-Year Shiller P/E Range
Min: 20.42   Max: 30.45
Current: 23.74
20.42
30.45

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.00
CHFN's Dividend Yield is ranked lower than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. CHFN: 1.00 )
CHFN' s 10-Year Dividend Yield Range
Min: 0.39   Max: 22.67
Current: 1
0.39
22.67
Dividend Payout 0.4
CHFN's Dividend Payout is ranked higher than
83% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. CHFN: 0.4 )
CHFN' s 10-Year Dividend Payout Range
Min: 0.36   Max: 3.78
Current: 0.4
0.36
3.78
Dividend growth (3y) -50.8
CHFN's Dividend growth (3y) is ranked lower than
92% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CHFN: -50.8 )
CHFN' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 56.5
Current: -50.8
0
56.5
Yield on cost (5-Year) 0.03
CHFN's Yield on cost (5-Year) is ranked lower than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CHFN: 0.03 )
CHFN' s 10-Year Yield on cost (5-Year) Range
Min: 0.01   Max: 0.65
Current: 0.03
0.01
0.65
Share Buyback Rate 2.2
CHFN's Share Buyback Rate is ranked higher than
97% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. CHFN: 2.2 )
CHFN' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.1
Current: 2.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
CHFN's Price/Tangible Book is ranked lower than
63% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHFN: 1.4 )
CHFN' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 3
Current: 1.4
1.2
3
Price/DCF (Projected) 1.1
CHFN's Price/DCF (Projected) is ranked lower than
94% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CHFN: 1.1 )
CHFN' s 10-Year Price/DCF (Projected) Range
Min: 0.8   Max: 1.1
Current: 1.1
0.8
1.1
Price/Median PS Value 0.2
CHFN's Price/Median PS Value is ranked higher than
97% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHFN: 0.2 )
CHFN' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.7
Current: 0.2
0.2
1.7
Price/Peter Lynch Fair Value 3
CHFN's Price/Peter Lynch Fair Value is ranked lower than
140% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHFN: 3 )
CHFN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.3   Max: 5.2
Current: 3
1.3
5.2
Price/Graham Number 1.5
CHFN's Price/Graham Number is ranked lower than
90% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHFN: 1.5 )
CHFN' s 10-Year Price/Graham Number Range
Min: 1.1   Max: 4.8
Current: 1.5
1.1
4.8
Earnings Yield (Greenblatt) 2.90
CHFN's Earnings Yield (Greenblatt) is ranked lower than
67% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CHFN: 2.90 )
CHFN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 39.2
Current: 2.9
0.2
39.2
Forward Rate of Return (Yacktman) 1.07
CHFN's Forward Rate of Return (Yacktman) is ranked lower than
54% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. CHFN: 1.07 )
CHFN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1   Max: 5
Current: 1.07
1
5

Business Description

Charter Financial Corporation is a federally-chartered Corporation established in October 2001 and is a savings and loan holding company. Charter Financial serves as the holding company for CharterBank. CharterBank is a federally chartered stock savings bank and was originally founded in 1954 as a federally chartered mutual savings and loan association. 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. First Charter, MHC's principal business activity is the ownership of 11,457,924 shares of common stock of Charter Financial, or approximately 61% of Charter Financial's outstanding shares. The Company offers a range of loan products with a variety of rates and terms. Its lending operations consist of the following major segments: 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 consumer loans, including home equity loans and other forms of consumer installment credit, and commercial business 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. The Company originates first and second mortgage loans secured by one- to four-family residential properties within Georgia and Alabama. The Company 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. Charter Financial is also subject to the rules and regulations of the Securities and Exchange Commission under the federal securities laws.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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