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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 3.49
CLBH's Cash to Debt is ranked higher than
51% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. CLBH: 3.49 )
Ranked among companies with meaningful Cash to Debt only.
CLBH' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.64 Max: N/A
Current: 3.49
Equity to Asset 0.09
CLBH's Equity to Asset is ranked lower than
60% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CLBH: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CLBH' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.09
0.05
0.11
Interest Coverage 2.71
CLBH's Interest Coverage is ranked higher than
64% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CLBH: 2.71 )
Ranked among companies with meaningful Interest Coverage only.
CLBH' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.89 Max: 3.03
Current: 2.71
0.2
3.03
F-Score: 4
M-Score: -2.78
WACC vs ROIC
3.81%
66.72%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 20.54
CLBH's Operating margin (%) is ranked lower than
74% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. CLBH: 20.54 )
Ranked among companies with meaningful Operating margin (%) only.
CLBH' s Operating margin (%) Range Over the Past 10 Years
Min: -12.2  Med: 16.32 Max: 31.41
Current: 20.54
-12.2
31.41
Net-margin (%) 14.45
CLBH's Net-margin (%) is ranked lower than
76% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. CLBH: 14.45 )
Ranked among companies with meaningful Net-margin (%) only.
CLBH' s Net-margin (%) Range Over the Past 10 Years
Min: -6.52  Med: 11.15 Max: 20.13
Current: 14.45
-6.52
20.13
ROE (%) 8.28
CLBH's ROE (%) is ranked higher than
51% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. CLBH: 8.28 )
Ranked among companies with meaningful ROE (%) only.
CLBH' s ROE (%) Range Over the Past 10 Years
Min: -7.67  Med: 6.42 Max: 12.5
Current: 8.28
-7.67
12.5
ROA (%) 0.75
CLBH's ROA (%) is ranked lower than
58% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CLBH: 0.75 )
Ranked among companies with meaningful ROA (%) only.
CLBH' s ROA (%) Range Over the Past 10 Years
Min: -0.35  Med: 0.55 Max: 1.1
Current: 0.75
-0.35
1.1
Revenue Growth (3Y)(%) -14.50
CLBH's Revenue Growth (3Y)(%) is ranked lower than
91% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CLBH: -14.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CLBH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.5  Med: 15.20 Max: 107.8
Current: -14.5
-14.5
107.8
EBITDA Growth (3Y)(%) -17.50
CLBH's EBITDA Growth (3Y)(%) is ranked lower than
90% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CLBH: -17.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CLBH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -79.5  Med: 10.30 Max: 566.3
Current: -17.5
-79.5
566.3
EPS Growth (3Y)(%) -14.20
CLBH's EPS Growth (3Y)(%) is ranked lower than
87% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CLBH: -14.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CLBH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.9  Med: 13.40 Max: 33.1
Current: -14.2
-17.9
33.1
» CLBH's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-30)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:PKBK, NAS:ACFC, NAS:LARK, OTCPK:ENBP, NAS:OVBC, NAS:SLCT, OTCPK:HLAN, NAS:OPOF, OTCPK:FNCB, NAS:HBMD, NAS:UBFO, NAS:FBMS, OTCPK:CHBH, NAS:CBFV, ARCA:SMBK, NAS:TRCB, NAS:BOCH, NAS:FCCY, NAS:ASBB, OTCPK:CWBB » details
Carolina Bank Holdings Inc is a bank holding company. The Company, through Carolina Bank offers traditional, commercial, and consumer banking services, including personal and commercial checking and savings accounts.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.11
CLBH's P/E(ttm) is ranked lower than
75% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. CLBH: 18.11 )
Ranked among companies with meaningful P/E(ttm) only.
CLBH' s P/E(ttm) Range Over the Past 10 Years
Min: 3.98  Med: 11.94 Max: 39.26
Current: 18.11
3.98
39.26
Forward P/E 16.05
CLBH's Forward P/E is ranked lower than
80% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CLBH: 16.05 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.11
CLBH's PE(NRI) is ranked lower than
74% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. CLBH: 18.11 )
Ranked among companies with meaningful PE(NRI) only.
CLBH' s PE(NRI) Range Over the Past 10 Years
Min: 3.98  Med: 11.94 Max: 39.26
Current: 18.11
3.98
39.26
Price/Owner Earnings (ttm) 17.81
CLBH's Price/Owner Earnings (ttm) is ranked lower than
72% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. CLBH: 17.81 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CLBH' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.32  Med: 8.33 Max: 27.52
Current: 17.81
0.32
27.52
P/B 1.48
CLBH's P/B is ranked lower than
76% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CLBH: 1.48 )
Ranked among companies with meaningful P/B only.
CLBH' s P/B Range Over the Past 10 Years
Min: 0.26  Med: 0.87 Max: 1.89
Current: 1.48
0.26
1.89
P/S 2.50
CLBH's P/S is ranked higher than
59% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CLBH: 2.50 )
Ranked among companies with meaningful P/S only.
CLBH' s P/S Range Over the Past 10 Years
Min: 0.22  Med: 1.02 Max: 14.3
Current: 2.5
0.22
14.3
PFCF 2.64
CLBH's PFCF is ranked higher than
80% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. CLBH: 2.64 )
Ranked among companies with meaningful PFCF only.
CLBH' s PFCF Range Over the Past 10 Years
Min: 0.3  Med: 2.88 Max: 156.67
Current: 2.64
0.3
156.67
POCF 2.56
CLBH's POCF is ranked higher than
79% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. CLBH: 2.56 )
Ranked among companies with meaningful POCF only.
CLBH' s POCF Range Over the Past 10 Years
Min: 0.3  Med: 2.58 Max: 209.55
Current: 2.56
0.3
209.55
EV-to-EBIT 1.71
CLBH's EV-to-EBIT is ranked higher than
98% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CLBH: 1.71 )
Ranked among companies with meaningful EV-to-EBIT only.
CLBH' s EV-to-EBIT Range Over the Past 10 Years
Min: -17.9  Med: 8.15 Max: 66.4
Current: 1.71
-17.9
66.4
EV-to-EBITDA 1.51
CLBH's EV-to-EBITDA is ranked higher than
98% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. CLBH: 1.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
CLBH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -24.7  Med: 8.40 Max: 376
Current: 1.51
-24.7
376
Shiller P/E 28.64
CLBH's Shiller P/E is ranked lower than
82% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. CLBH: 28.64 )
Ranked among companies with meaningful Shiller P/E only.
CLBH' s Shiller P/E Range Over the Past 10 Years
Min: 6.56  Med: 16.50 Max: 29.27
Current: 28.64
6.56
29.27

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
CLBH's Price/Tangible Book is ranked lower than
68% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CLBH: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
CLBH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.26  Med: 1.03 Max: 1.72
Current: 1.48
0.26
1.72
Price/Projected FCF 0.55
CLBH's Price/Projected FCF is ranked higher than
64% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CLBH: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
CLBH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.95 Max: 20.68
Current: 0.55
0.24
20.68
Price/Median PS Value 2.45
CLBH's Price/Median PS Value is ranked lower than
97% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CLBH: 2.45 )
Ranked among companies with meaningful Price/Median PS Value only.
CLBH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.21  Med: 1.60 Max: 18.09
Current: 2.45
0.21
18.09
Price/Graham Number 1.09
CLBH's Price/Graham Number is ranked lower than
71% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CLBH: 1.09 )
Ranked among companies with meaningful Price/Graham Number only.
CLBH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 0.95 Max: 1.4
Current: 1.09
0.28
1.4
Earnings Yield (Greenblatt) (%) 58.50
CLBH's Earnings Yield (Greenblatt) (%) is ranked higher than
98% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CLBH: 58.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CLBH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 6.80 Max: 91611.3
Current: 58.5
1.5
91611.3
Forward Rate of Return (Yacktman) (%) -3.84
CLBH's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. CLBH: -3.84 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CLBH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -120.4  Med: 1.20 Max: 44.4
Current: -3.84
-120.4
44.4

More Statistics

Revenue (TTM) (Mil) $36.26
EPS (TTM) $ 1.02
Beta0.13
Short Percentage of Float0.04%
52-Week Range $12.15 - 18.91
Shares Outstanding (Mil)5.04

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.15 1.21
EPS w/o NRI ($) 1.15 1.21
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for CLBH

Headlines

Articles On GuruFocus.com
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 

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