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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 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 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 1677 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
65% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 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
4.43%
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
75% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 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
77% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 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
50% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 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
59% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 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 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 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
89% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 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)(%) -14.00
CLBH's EPS Growth (3Y)(%) is ranked lower than
87% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CLBH: -14.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CLBH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.7  Med: 13.40 Max: 33.1
Current: -14
-17.7
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:FCCY, NAS:XBKS, NAS:SOCB, NAS:ACFC, NAS:OPOF, NAS:JAXB » 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) 15.14
CLBH's P/E(ttm) is ranked lower than
63% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. CLBH: 15.14 )
Ranked among companies with meaningful P/E(ttm) only.
CLBH' s P/E(ttm) Range Over the Past 10 Years
Min: 3.98  Med: 11.97 Max: 38.41
Current: 15.14
3.98
38.41
PE(NRI) 15.14
CLBH's PE(NRI) is ranked lower than
63% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CLBH: 15.14 )
Ranked among companies with meaningful PE(NRI) only.
CLBH' s PE(NRI) Range Over the Past 10 Years
Min: 3.98  Med: 11.93 Max: 37.86
Current: 15.14
3.98
37.86
Price/Owner Earnings (ttm) 15.18
CLBH's Price/Owner Earnings (ttm) is ranked lower than
66% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. CLBH: 15.18 )
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: 8.76 Max: 36.47
Current: 15.18
0.32
36.47
P/B 1.27
CLBH's P/B is ranked lower than
67% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CLBH: 1.27 )
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: 1.27
0.26
1.89
P/S 2.13
CLBH's P/S is ranked higher than
67% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CLBH: 2.13 )
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: 2.13
0.22
14.3
PFCF 2.25
CLBH's PFCF is ranked higher than
83% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. CLBH: 2.25 )
Ranked among companies with meaningful PFCF only.
CLBH' s PFCF Range Over the Past 10 Years
Min: 0.3  Med: 2.31 Max: 284.47
Current: 2.25
0.3
284.47
POCF 2.18
CLBH's POCF is ranked higher than
82% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. CLBH: 2.18 )
Ranked among companies with meaningful POCF only.
CLBH' s POCF Range Over the Past 10 Years
Min: 0.3  Med: 2.29 Max: 445.67
Current: 2.18
0.3
445.67
Shiller P/E 24.60
CLBH's Shiller P/E is ranked lower than
75% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. CLBH: 24.60 )
Ranked among companies with meaningful Shiller P/E only.
CLBH' s Shiller P/E Range Over the Past 10 Years
Min: 6.56  Med: 16.33 Max: 29.27
Current: 24.6
6.56
29.27

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
CLBH's Price/Tangible Book is ranked lower than
60% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CLBH: 1.27 )
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: 1.27
0.26
1.72
Price/Projected FCF 0.47
CLBH's Price/Projected FCF is ranked higher than
71% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CLBH: 0.47 )
Ranked among companies with meaningful Price/Projected FCF only.
CLBH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.75 Max: 5
Current: 0.47
0.24
5
Price/Median PS Value 2.09
CLBH's Price/Median PS Value is ranked lower than
96% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CLBH: 2.09 )
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: 2.09
0.21
18.09
Price/Graham Number 0.92
CLBH's Price/Graham Number is ranked lower than
58% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CLBH: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
CLBH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 0.94 Max: 1.4
Current: 0.92
0.28
1.4
Earnings Yield (Greenblatt) (%) -721.18
CLBH's Earnings Yield (Greenblatt) (%) is ranked lower than
100% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. CLBH: -721.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CLBH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -721.18  Med: 6.60 Max: 11775.4
Current: -721.18
-721.18
11775.4
Forward Rate of Return (Yacktman) (%) -4.48
CLBH's Forward Rate of Return (Yacktman) (%) is ranked lower than
84% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CLBH: -4.48 )
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: 0.80 Max: 44.4
Current: -4.48
-120.4
44.4

More Statistics

Revenue (TTM) (Mil) $36.26
EPS (TTM) $ 1.04
Beta0.17
Short Percentage of Float0.04%
52-Week Range $11.40 - 18.49
Shares Outstanding (Mil)5.04

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.14 1.20
EPS without NRI($) 1.14 1.20
» More Articles for NAS: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 

More From Other Websites
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 23 2016
CAROLINA BANK HOLDINGS INC Financials May 20 2016
CAROLINA BANK HOLDINGS INC Files SEC form 10-Q, Quarterly Report May 12 2016
Carolina Bank Holdings, Inc. :CLBH-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2016
Carolina Bank Holdings, Inc. Reports EPS of $0.22 in the First Quarter of 2016 Apr 28 2016
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Change in Directors or Principal Officers Apr 20 2016
CAROLINA BANK HOLDINGS INC Files SEC form 10-K, Annual Report Mar 23 2016
Carolina Bank Holdings, Inc. Earnings Analysis: 2015 By the Numbers Feb 04 2016
Carolina Bank sees profits jump in 2015, despite flat fourth quarter Feb 01 2016
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 29 2016
Carolina Bank saw stock price climb, and climb, and climb during 2015 Jan 05 2016
Hedge Funds Are Buying Carolina Bank Holding Inc. (NC) (CLBH) Dec 10 2015
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CAROLINA BANK HOLDINGS INC Files SEC form 10-Q, Quarterly Report Nov 13 2015
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 30 2015
Carolina Bank Holdings, Inc. Earnings Q2, 2015 Sep 15 2015
CAROLINA BANK HOLDINGS INC Files SEC form 10-Q, Quarterly Report Aug 12 2015
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CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015

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