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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 1.29
CHFN's Cash to Debt is ranked lower than
52% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. CHFN: 1.29 )
Ranked among companies with meaningful Cash to Debt only.
CHFN' s 10-Year Cash to Debt Range
Min: 0.03   Max: N/A
Current: 1.29

Equity to Asset 0.21
CHFN's Equity to Asset is ranked higher than
92% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHFN: 0.21 )
Ranked among companies with meaningful Equity to Asset only.
CHFN' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.29
Current: 0.21

0.1
0.29
Interest Coverage 1.52
CHFN's Interest Coverage is ranked lower than
53% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CHFN: 1.52 )
Ranked among companies with meaningful Interest Coverage only.
CHFN' s 10-Year Interest Coverage Range
Min: 0.12   Max: 1.52
Current: 1.52

0.12
1.52
F-Score: 7
Z-Score: 0.40
WACC vs ROIC
6.02%
3.31%
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 (%) 20.03
CHFN's Operating margin (%) is ranked lower than
72% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. CHFN: 20.03 )
Ranked among companies with meaningful Operating margin (%) only.
CHFN' s 10-Year Operating margin (%) Range
Min: -453.51   Max: 317.52
Current: 20.03

-453.51
317.52
Net-margin (%) 13.46
CHFN's Net-margin (%) is ranked lower than
75% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. CHFN: 13.46 )
Ranked among companies with meaningful Net-margin (%) only.
CHFN' s 10-Year Net-margin (%) Range
Min: -9.98   Max: 220.9
Current: 13.46

-9.98
220.9
ROE (%) 2.55
CHFN's ROE (%) is ranked lower than
85% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. CHFN: 2.55 )
Ranked among companies with meaningful ROE (%) only.
CHFN' s 10-Year ROE (%) Range
Min: 0.34   Max: 14.58
Current: 2.55

0.34
14.58
ROA (%) 0.58
CHFN's ROA (%) is ranked lower than
65% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CHFN: 0.58 )
Ranked among companies with meaningful ROA (%) only.
CHFN' s 10-Year ROA (%) Range
Min: 0.07   Max: 3.37
Current: 0.58

0.07
3.37
ROC (Joel Greenblatt) (%) 42.92
CHFN's ROC (Joel Greenblatt) (%) is ranked lower than
67% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. CHFN: 42.92 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CHFN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -672.09   Max: 58.86
Current: 42.92

-672.09
58.86
Revenue Growth (3Y)(%) -1.50
CHFN's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CHFN: -1.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CHFN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 23.9
Current: -1.5

0
23.9
EBITDA Growth (3Y)(%) 26.00
CHFN's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CHFN: 26.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CHFN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 50.4
Current: 26

0
50.4
EPS Growth (3Y)(%) 29.10
CHFN's EPS Growth (3Y)(%) is ranked higher than
83% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CHFN: 29.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CHFN' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 62
Current: 29.1

0
62
» CHFN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CHFN Guru Trades in Q2 2014

Zeke Ashton 62,500 sh (New)
Private Capital 652,525 sh (+163.32%)
Charles Brandes 221,130 sh (+20.64%)
Jim Simons 448,582 sh (+7.89%)
Paul Tudor Jones Sold Out
Michael Price Sold Out
» More
Q3 2014

CHFN Guru Trades in Q3 2014

Zeke Ashton 112,500 sh (+80.00%)
Jim Simons 547,182 sh (+21.98%)
Charles Brandes 222,365 sh (+0.56%)
Private Capital 638,733 sh (-2.11%)
» More
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
» 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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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 35.80
CHFN's P/E(ttm) is ranked lower than
91% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. CHFN: 35.80 )
Ranked among companies with meaningful P/E(ttm) only.
CHFN' s 10-Year P/E(ttm) Range
Min: 2.72   Max: 482.14
Current: 35.8

2.72
482.14
Forward P/E 18.08
CHFN's Forward P/E is ranked lower than
87% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. CHFN: 18.08 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 36.70
CHFN's PE(NRI) is ranked lower than
91% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. CHFN: 36.70 )
Ranked among companies with meaningful PE(NRI) only.
CHFN' s 10-Year PE(NRI) Range
Min: 2.72   Max: 450
Current: 36.7

2.72
450
P/B 1.00
CHFN's P/B is ranked higher than
63% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CHFN: 1.00 )
Ranked among companies with meaningful P/B only.
CHFN' s 10-Year P/B Range
Min: 0.54   Max: 3.89
Current: 1

0.54
3.89
P/S 5.00
CHFN's P/S is ranked lower than
85% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CHFN: 5.00 )
Ranked among companies with meaningful P/S only.
CHFN' s 10-Year P/S Range
Min: 3.52   Max: 43.55
Current: 5

3.52
43.55
PFCF 25.30
CHFN's PFCF is ranked lower than
83% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. CHFN: 25.30 )
Ranked among companies with meaningful PFCF only.
CHFN' s 10-Year PFCF Range
Min: 24   Max: 99999999.99
Current: 25.3

24
99999999.99
POCF 23.29
CHFN's POCF is ranked lower than
87% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. CHFN: 23.29 )
Ranked among companies with meaningful POCF only.
CHFN' s 10-Year POCF Range
Min: 22.15   Max: 1105
Current: 23.29

22.15
1105
EV-to-EBIT 21.08
CHFN's EV-to-EBIT is ranked lower than
71% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. CHFN: 21.08 )
Ranked among companies with meaningful EV-to-EBIT only.
CHFN' s 10-Year EV-to-EBIT Range
Min: 2.5   Max: 127.8
Current: 21.08

2.5
127.8
PEG 2.41
CHFN's PEG is ranked lower than
78% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CHFN: 2.41 )
Ranked among companies with meaningful PEG only.
CHFN' s 10-Year PEG Range
Min: 0.78   Max: 119.79
Current: 2.41

0.78
119.79
Shiller P/E 16.60
CHFN's Shiller P/E is ranked higher than
52% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. CHFN: 16.60 )
Ranked among companies with meaningful Shiller P/E only.
CHFN' s 10-Year Shiller P/E Range
Min: 9.13   Max: 16.5
Current: 16.6

9.13
16.5
Days Sales Outstanding 77.34
CHFN's Days Sales Outstanding is ranked lower than
71% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. CHFN: 77.34 )
Ranked among companies with meaningful Days Sales Outstanding only.
CHFN' s 10-Year Days Sales Outstanding Range
Min: 26.38   Max: 920.41
Current: 77.34

26.38
920.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
CHFN's Dividend Yield is ranked lower than
72% of the 2096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CHFN: 1.70 )
Ranked among companies with meaningful Dividend Yield only.
CHFN' s 10-Year Dividend Yield Range
Min: 0.39   Max: 24
Current: 1.7

0.39
24
Dividend Payout 0.61
CHFN's Dividend Payout is ranked lower than
83% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. CHFN: 0.61 )
Ranked among companies with meaningful Dividend Payout only.
CHFN' s 10-Year Dividend Payout Range
Min: 0.19   Max: 10
Current: 0.61

0.19
10
Yield on cost (5-Year) 0.27
CHFN's Yield on cost (5-Year) is ranked lower than
101% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. CHFN: 0.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CHFN' s 10-Year Yield on cost (5-Year) Range
Min: 0.06   Max: 3.81
Current: 0.27

0.06
3.81
Share Buyback Rate -5.10
CHFN's Share Buyback Rate is ranked lower than
68% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. CHFN: -5.10 )
Ranked among companies with meaningful Share Buyback Rate only.
CHFN' s 10-Year Share Buyback Rate Range
Min: 0   Max: -5.1
Current: -5.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
CHFN's Price/Tangible Book is ranked higher than
70% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CHFN: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
CHFN' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 3.71
Current: 1

0.84
3.71
Price/DCF (Projected) 1.10
CHFN's Price/DCF (Projected) is ranked lower than
73% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. CHFN: 1.10 )
Ranked among companies with meaningful Price/DCF (Projected) only.
CHFN' s 10-Year Price/DCF (Projected) Range
Min: 0.91   Max: 3.15
Current: 1.1

0.91
3.15
Price/Median PS Value 0.60
CHFN's Price/Median PS Value is ranked higher than
95% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHFN: 0.60 )
Ranked among companies with meaningful Price/Median PS Value only.
CHFN' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 12.11
Current: 0.6

0.42
12.11
Price/Peter Lynch Fair Value 1.50
CHFN's Price/Peter Lynch Fair Value is ranked lower than
68% of the 467 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHFN: 1.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CHFN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.87   Max: 18.85
Current: 1.5

0.87
18.85
Price/Graham Number 1.20
CHFN's Price/Graham Number is ranked lower than
72% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CHFN: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
CHFN' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 5.85
Current: 1.2

0.4
5.85
Earnings Yield (Greenblatt) 4.70
CHFN's Earnings Yield (Greenblatt) is ranked lower than
66% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CHFN: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
CHFN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 39.8
Current: 4.7

0.8
39.8
Forward Rate of Return (Yacktman) 34.11
CHFN's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. CHFN: 34.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
CHFN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -30.4   Max: 46.4
Current: 34.11

-30.4
46.4

Analyst Estimate

Sep15
EPS($) 0.62
EPS without NRI($) 0.62

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. The Company 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. The Company 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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More From Other Websites
CHARTER FINANCIAL CORP Financials May 16 2015
CHARTER FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 11 2015
Charter posts 2Q profit Apr 30 2015
Charter posts 2Q profit Apr 30 2015
Charter Financial Announces Second Quarter Fiscal 2015 Earnings of $1.4 Million Apr 30 2015
CHARTER FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 30 2015
Charter Financial Announces Second Quarter Fiscal 2015 Earnings of $1.4 Million Apr 30 2015
Charter Financial Declares Regular Quarterly Cash Dividend Apr 28 2015
Charter Financial Declares Regular Quarterly Cash Dividend Apr 28 2015
Bright House, Charter deal to create nation's 2nd-largest cable company Mar 31 2015
CHARTER FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 20 2015
Charter Financial Announces Intent to Repurchase Additional Shares of Common Stock Mar 20 2015
CHARTER FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Feb 19 2015
CHARTER FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 11 2015
CHARTER FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Feb 09 2015
CHARTER FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jan 29 2015
CHARTER FINANCIAL CORP Files SEC form 10-K, Annual Report Dec 12 2014
CHARTER FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 11 2014
Charter Financial Announces Fiscal 2014 Earnings of $6.0 Million Nov 05 2014
CHARTER FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 05 2014

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