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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 3.32
CLBH's Cash to Debt is ranked higher than
78% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. CLBH: 3.32 )
CLBH' s 10-Year Cash to Debt Range
Min: 0.08   Max: 4.44
Current: 3.32

0.08
4.44
Equity to Asset 0.10
CLBH's Equity to Asset is ranked higher than
70% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CLBH: 0.10 )
CLBH' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.1

0.05
0.11
Interest Coverage 1.33
CLBH's Interest Coverage is ranked higher than
69% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CLBH: 1.33 )
CLBH' s 10-Year Interest Coverage Range
Min: 0.19   Max: 2.16
Current: 1.33

0.19
2.16
F-Score: 4
Z-Score: 0.17
WACC vs ROIC
3.68%
19.67%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 18.22
CLBH's Operating margin (%) is ranked higher than
58% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. CLBH: 18.22 )
CLBH' s 10-Year Operating margin (%) Range
Min: -275.74   Max: 31.41
Current: 18.22

-275.74
31.41
Net-margin (%) 13.67
CLBH's Net-margin (%) is ranked higher than
59% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. CLBH: 13.67 )
CLBH' s 10-Year Net-margin (%) Range
Min: -6.52   Max: 104.95
Current: 13.67

-6.52
104.95
ROE (%) 8.63
CLBH's ROE (%) is ranked higher than
74% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. CLBH: 8.63 )
CLBH' s 10-Year ROE (%) Range
Min: -5.19   Max: 14.94
Current: 8.63

-5.19
14.94
ROA (%) 0.70
CLBH's ROA (%) is ranked higher than
68% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CLBH: 0.70 )
CLBH' s 10-Year ROA (%) Range
Min: -0.35   Max: 1.1
Current: 0.7

-0.35
1.1
ROC (Joel Greenblatt) (%) 34.03
CLBH's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. CLBH: 34.03 )
CLBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -23.59   Max: 63.88
Current: 34.03

-23.59
63.88
Revenue Growth (3Y)(%) -3.10
CLBH's Revenue Growth (3Y)(%) is ranked higher than
61% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. CLBH: -3.10 )
CLBH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 106.7
Current: -3.1

0
106.7
EBITDA Growth (3Y)(%) 10.30
CLBH's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CLBH: 10.30 )
CLBH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 608.1
Current: 10.3

0
608.1
EPS Growth (3Y)(%) 24.80
CLBH's EPS Growth (3Y)(%) is ranked higher than
89% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CLBH: 24.80 )
CLBH' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.9   Max: 33.4
Current: 24.8

-17.9
33.4
» CLBH's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 10.50
CLBH's P/E(ttm) is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. CLBH: 10.50 )
CLBH' s 10-Year P/E(ttm) Range
Min: 3.98   Max: 38.41
Current: 10.5

3.98
38.41
PE(NRI) 10.60
CLBH's PE(NRI) is ranked higher than
90% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. CLBH: 10.60 )
CLBH' s 10-Year PE(NRI) Range
Min: 3.98   Max: 37.86
Current: 10.6

3.98
37.86
P/B 0.91
CLBH's P/B is ranked higher than
84% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. CLBH: 0.91 )
CLBH' s 10-Year P/B Range
Min: 0.26   Max: 1.89
Current: 0.91

0.26
1.89
P/S 1.14
CLBH's P/S is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. CLBH: 1.14 )
CLBH' s 10-Year P/S Range
Min: 0.22   Max: 14.23
Current: 1.14

0.22
14.23
EV-to-EBIT 1.97
CLBH's EV-to-EBIT is ranked higher than
99% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. CLBH: 1.97 )
CLBH' s 10-Year EV-to-EBIT Range
Min: -17.8   Max: 71.7
Current: 1.97

-17.8
71.7
Shiller P/E 26.06
CLBH's Shiller P/E is ranked higher than
78% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CLBH: 26.06 )
CLBH' s 10-Year Shiller P/E Range
Min: 5.36   Max: 30.41
Current: 26.06

5.36
30.41

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
CLBH's Price/Tangible Book is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. CLBH: 0.91 )
CLBH' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 1.72
Current: 0.91

0.26
1.72
Price/DCF (Projected) 0.31
CLBH's Price/DCF (Projected) is ranked higher than
96% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CLBH: 0.31 )
CLBH' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 6.41
Current: 0.31

0.24
6.41
Price/Median PS Value 1.11
CLBH's Price/Median PS Value is ranked higher than
75% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CLBH: 1.11 )
CLBH' s 10-Year Price/Median PS Value Range
Min: 0.21   Max: 19.29
Current: 1.11

0.21
19.29
Price/Graham Number 0.46
CLBH's Price/Graham Number is ranked higher than
96% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CLBH: 0.46 )
CLBH' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.4
Current: 0.46

0.17
1.4
Earnings Yield (Greenblatt) 50.80
CLBH's Earnings Yield (Greenblatt) is ranked higher than
99% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CLBH: 50.80 )
CLBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 11775.4
Current: 50.8

1.4
11775.4
Forward Rate of Return (Yacktman) -9.03
CLBH's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. CLBH: -9.03 )
CLBH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -120.4   Max: 44.4
Current: -9.03

-120.4
44.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Carolina Bank Holdings Inc was incorporated under the laws of the State of North Carolina on August 16, 2000. It is a bank holding company for Carolina Bank. The Company is engaged in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. Its operations are mainly commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived mainly from customers in its geographic market. The Company is considered to have three principal business segments Commercial/Retail Bank, the Mortgage Division, and the Holding Company. The mortgage division originates residential mortgage loans through other banks and brokers in addition to retail loan officers, who are located in five loan production offices and in five of its banking offices, and sells the loans to investors. The Company's primary service area consists of the Cities of Greensboro, High Point, Burlington, Winston-Salem and Asheboro, North Carolina and the areas immediately surrounding Greensboro, High Point, Burlington, Winston-Salem and Asheboro, all of which are located in Guilford, Alamance, Forsyth and Randolph Counties, North Carolina. Residential mortgage loan production offices are located in Burlington, Chapel Hill, Hillsborough, Raleigh and Sanford, NC. The Company competes directly for deposits in its primary service area with other commercial banks, savings banks, credit unions, agencies issuing United States government securities and all other organizations and institutions engaged in money market transactions, in lending activities, the bank competes with all other financial institutions. The Company is subject to supervision, examination and regulation by the North Carolina Office of the Commissioner of Banks ("Commissioner") and the FDIC and to North Carolina and federal statutory and regulatory provisions governing such matters as capital standards, mergers, subsidiary investments and establishment of branch offices.
» More Articles for CLBH

Headlines

Articles On GuruFocus.com
comment on CLBH Mar 02 2013 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) Aug 12 2010 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) May 14 2010 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) Nov 13 2009 
Carolina Bank Holdings Inc. (CLBH) CFO T Allen Liles buys 1,000 Shares Aug 28 2009 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) Aug 05 2009 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) May 15 2009 
Carolina Bank Holdings Inc. (CLBH) CFO T Allen Liles buys 2,902 Shares May 12 2009 

More From Other Websites
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