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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 2.73
CLBH's Cash to Debt is ranked higher than
79% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CLBH: 2.73 )
CLBH' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 2.73

Equity to Asset 0.08
CLBH's Equity to Asset is ranked higher than
60% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CLBH: 0.08 )
CLBH' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.08

0.05
0.11
Interest Coverage 1.49
CLBH's Interest Coverage is ranked higher than
70% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CLBH: 1.49 )
CLBH' s 10-Year Interest Coverage Range
Min: 0.19   Max: 2.16
Current: 1.49

0.19
2.16
F-Score: 3
Z-Score: 0.12
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 (%) 15.22
CLBH's Operating margin (%) is ranked higher than
56% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. CLBH: 15.22 )
CLBH' s 10-Year Operating margin (%) Range
Min: -275.74   Max: 31.41
Current: 15.22

-275.74
31.41
Net-margin (%) 10.94
CLBH's Net-margin (%) is ranked higher than
56% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. CLBH: 10.94 )
CLBH' s 10-Year Net-margin (%) Range
Min: -6.52   Max: 104.95
Current: 10.94

-6.52
104.95
ROE (%) 8.08
CLBH's ROE (%) is ranked higher than
74% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CLBH: 8.08 )
CLBH' s 10-Year ROE (%) Range
Min: -5.41   Max: 13.93
Current: 8.08

-5.41
13.93
ROA (%) 0.61
CLBH's ROA (%) is ranked higher than
66% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CLBH: 0.61 )
CLBH' s 10-Year ROA (%) Range
Min: -0.35   Max: 1.08
Current: 0.61

-0.35
1.08
ROC (Joel Greenblatt) (%) 30.55
CLBH's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. CLBH: 30.55 )
CLBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -104.9   Max: 63.35
Current: 30.55

-104.9
63.35
Revenue Growth (%) -0.50
CLBH's Revenue Growth (%) is ranked higher than
70% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CLBH: -0.50 )
CLBH' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 106.7
Current: -0.5

0
106.7
» 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) 21.80
CLBH's P/E(ttm) is ranked higher than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. CLBH: 21.80 )
CLBH' s 10-Year P/E(ttm) Range
Min: 3.98   Max: 26.42
Current: 21.8

3.98
26.42
P/B 0.90
CLBH's P/B is ranked higher than
82% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CLBH: 0.90 )
CLBH' s 10-Year P/B Range
Min: 0.26   Max: 1.89
Current: 0.9

0.26
1.89
P/S 1.10
CLBH's P/S is ranked higher than
95% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. CLBH: 1.10 )
CLBH' s 10-Year P/S Range
Min: 0.22   Max: 11.14
Current: 1.1

0.22
11.14
PFCF 0.70
CLBH's PFCF is ranked higher than
97% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. CLBH: 0.70 )
CLBH' s 10-Year PFCF Range
Min: 0.3   Max: 29.17
Current: 0.7

0.3
29.17
EV-to-EBIT 2.56
CLBH's EV-to-EBIT is ranked higher than
99% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. CLBH: 2.56 )
CLBH' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 55
Current: 2.56

0.2
55
PEG 1.50
CLBH's PEG is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CLBH: 1.50 )
CLBH' s 10-Year PEG Range
Min: 0.25   Max: 1.5
Current: 1.5

0.25
1.5
Shiller P/E 28.50
CLBH's Shiller P/E is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. CLBH: 28.50 )
CLBH' s 10-Year Shiller P/E Range
Min: 5.36   Max: 30.41
Current: 28.5

5.36
30.41

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
CLBH's Price/Tangible Book is ranked higher than
84% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. CLBH: 0.90 )
CLBH' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 1.72
Current: 0.9

0.26
1.72
Price/DCF (Projected) 0.30
CLBH's Price/DCF (Projected) is ranked higher than
96% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CLBH: 0.30 )
CLBH' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 18.59
Current: 0.3

0.24
18.59
Price/Median PS Value 1.00
CLBH's Price/Median PS Value is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CLBH: 1.00 )
CLBH' s 10-Year Price/Median PS Value Range
Min: 0.21   Max: 10.22
Current: 1

0.21
10.22
Price/Graham Number 0.60
CLBH's Price/Graham Number is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CLBH: 0.60 )
CLBH' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.4
Current: 0.6

0.17
1.4
Earnings Yield (Greenblatt) 40.40
CLBH's Earnings Yield (Greenblatt) is ranked higher than
98% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CLBH: 40.40 )
CLBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 11775.4
Current: 40.4

1.8
11775.4
Forward Rate of Return (Yacktman) -28.63
CLBH's Forward Rate of Return (Yacktman) is ranked lower than
54% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. CLBH: -28.63 )
CLBH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -64.8   Max: 45.7
Current: -28.63

-64.8
45.7

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 bank engages 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 bank provides traditional commercial and consumer banking services, including personal and commercial checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts and related business and individual banking services. The bank's lending activities are concentrated in commercial lending to small-to-medium sized businesses located mainly in its market area, construction and development loans and various consumer-type loans to individuals, including installment loans, credit card products, mortgage loans and equity lines of credit. The bank started a mortgage loan division in 2007 to originate residential loans through third-party brokers and banks and to sell these loans at a profit to institutional investors.
» 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 

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CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 28 2014
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CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 28 2014
Carolina Bank Holdings, Inc. Reports EPS of $0.02 for the First Quarter of 2014 Apr 28 2014
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 30 2014
CAROLINA BANK HOLDINGS INC Files SEC form 10-Q, Quarterly Report Nov 12 2013
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 28 2013
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Other Events Sep 11 2013
CAROLINA BANK HOLDINGS INC Files SEC form 10-Q, Quarterly Report Aug 12 2013
CAROLINA BANK HOLDINGS INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 29 2013

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