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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 1.81
CNRB's Cash to Debt is ranked lower than
54% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CNRB: 1.81 )
Ranked among companies with meaningful Cash to Debt only.
CNRB' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.62 Max: No Debt
Current: 1.81
Equity to Asset 0.13
CNRB's Equity to Asset is ranked higher than
74% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNRB: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CNRB' s Equity to Asset Range Over the Past 10 Years
Min: -0.59  Med: 0.11 Max: 0.91
Current: 0.13
-0.59
0.91
Interest Coverage 1.29
CNRB's Interest Coverage is ranked lower than
57% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. CNRB: 1.29 )
Ranked among companies with meaningful Interest Coverage only.
CNRB' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 1.24 Max: 1.55
Current: 1.29
0.29
1.55
F-Score: 5
M-Score: -2.41
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 : 4/10

vs
industry
vs
history
Operating margin (%) 9.53
CNRB's Operating margin (%) is ranked lower than
87% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. CNRB: 9.53 )
Ranked among companies with meaningful Operating margin (%) only.
CNRB' s Operating margin (%) Range Over the Past 10 Years
Min: -692.36  Med: 0.38 Max: 12.5
Current: 9.53
-692.36
12.5
Net-margin (%) 5.32
CNRB's Net-margin (%) is ranked lower than
89% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. CNRB: 5.32 )
Ranked among companies with meaningful Net-margin (%) only.
CNRB' s Net-margin (%) Range Over the Past 10 Years
Min: -428.66  Med: 0.55 Max: 29.43
Current: 5.32
-428.66
29.43
ROE (%) 0.86
CNRB's ROE (%) is ranked lower than
90% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. CNRB: 0.86 )
Ranked among companies with meaningful ROE (%) only.
CNRB' s ROE (%) Range Over the Past 10 Years
Min: -28.72  Med: -1.32 Max: 9.31
Current: 0.86
-28.72
9.31
ROA (%) 0.23
CNRB's ROA (%) is ranked lower than
85% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CNRB: 0.23 )
Ranked among companies with meaningful ROA (%) only.
CNRB' s ROA (%) Range Over the Past 10 Years
Min: -4.08  Med: 0.05 Max: 1.2
Current: 0.23
-4.08
1.2
Revenue Growth (3Y)(%) -4.10
CNRB's Revenue Growth (3Y)(%) is ranked lower than
80% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. CNRB: -4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNRB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.1  Med: 10 Max: 88.5
Current: -4.1
-4.1
88.5
EBITDA Growth (3Y)(%) -3.70
CNRB's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CNRB: -3.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNRB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -70.1  Med: -22.05 Max: 7.6
Current: -3.7
-70.1
7.6
EPS Growth (3Y)(%) -36.50
CNRB's EPS Growth (3Y)(%) is ranked lower than
95% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CNRB: -36.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNRB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -37.7  Med: -28.3 Max: 31.1
Current: -36.5
-37.7
31.1
» CNRB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2015

CNRB Guru Trades in Q3 2015

Ken Fisher 12,500 sh (unchged)
» More
Q4 2015

CNRB Guru Trades in Q4 2015

Ken Fisher 12,500 sh (unchged)
» More
Q1 2016

CNRB Guru Trades in Q1 2016

Ken Fisher 12,500 sh (unchged)
» More
Q2 2016

CNRB Guru Trades in Q2 2016

Ken Fisher 12,500 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CNRB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:NJCB, OTCPK:FRSB, OTCPK:FCNH, OTCPK:CZBS, OTCPK:MWBC, OTCPK:CROL, OTCPK:CUMD, OTCPK:DMAS, OTCPK:OJCB, OTCPK:MNBO, OTCPK:CMYF, OTCPK:CIBH, OTCPK:CRSB, OTCPK:EGDW, OTCPK:DLNO, OTCBB:SUGR, OTCPK:HWIS, OTCPK:CSHB, OTCPK:CYSM, OTCPK:ALBY » details
Congaree Bancshares Inc through Congaree State Bank provides banking services to individuals, SMEs, and professional concerns. The Company offers Personal banking; Business banking; and Mortgage services.

Congaree Bancshares Inc was organized in November 2005 to operate as a bank holding company pursuant to the Federal Bank Holding Company Act of 1956 and the South Carolina Bank Holding Company Act, and to own and control all of the capital stock of Congaree State Bank. The company operates as a holding company for Congaree State Bank. The Bank provides a range of banking services to consumers, small to medium-sized businesses, and professional concerns in Lexington and Richland counties, South Carolina. The Company offers various deposit products, including checking accounts, NOW accounts, commercial accounts, savings accounts, individual retirement accounts, and other time deposits ranging from daily money market accounts to longer-term certificates of deposit. It also provides residential and commercial real estate loans; adjustable and fixed-rate real estate construction loans for residential and commercial projects; commercial loans, such as equipment, working capital, and small business loans; and equity and consumer loans to individuals for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit, such as credit cards. In addition, the company offers other banking services, including online banking, commercial cash management, remote deposit capture, safe deposit boxes, bank official checks, travelers checks, wire transfers, cashiers checks, banking by mail, and the U.S. savings bonds. It serves its customers through its main office in Cayce and an additional office in West Columbia. It primarily derives revenues from net interest income that is the difference between income earned on interest-earning assets and interest paid on deposits and borrowings used to support such assets.

Ratios

vs
industry
vs
history
P/E(ttm) 114.29
CNRB's P/E(ttm) is ranked lower than
98% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. CNRB: 114.29 )
Ranked among companies with meaningful P/E(ttm) only.
CNRB' s P/E(ttm) Range Over the Past 10 Years
Min: 4.03  Med: 8.71 Max: 135.82
Current: 114.29
4.03
135.82
PE(NRI) 114.29
CNRB's PE(NRI) is ranked lower than
98% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. CNRB: 114.29 )
Ranked among companies with meaningful PE(NRI) only.
CNRB' s PE(NRI) Range Over the Past 10 Years
Min: 4.17  Med: 8.79 Max: 130
Current: 114.29
4.17
130
P/B 1.16
CNRB's P/B is ranked lower than
58% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CNRB: 1.16 )
Ranked among companies with meaningful P/B only.
CNRB' s P/B Range Over the Past 10 Years
Min: 0.25  Med: 0.6 Max: 1.32
Current: 1.16
0.25
1.32
P/S 2.92
CNRB's P/S is ranked higher than
50% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CNRB: 2.92 )
Ranked among companies with meaningful P/S only.
CNRB' s P/S Range Over the Past 10 Years
Min: 0.44  Med: 1.33 Max: 3.32
Current: 2.92
0.44
3.32
POCF 41.24
CNRB's POCF is ranked lower than
95% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. CNRB: 41.24 )
Ranked among companies with meaningful POCF only.
CNRB' s POCF Range Over the Past 10 Years
Min: 1.68  Med: 5.96 Max: 46.91
Current: 41.24
1.68
46.91
EV-to-EBIT 29.67
CNRB's EV-to-EBIT is ranked lower than
85% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. CNRB: 29.67 )
Ranked among companies with meaningful EV-to-EBIT only.
CNRB' s EV-to-EBIT Range Over the Past 10 Years
Min: -50.3  Med: 24.2 Max: 43.4
Current: 29.67
-50.3
43.4
EV-to-EBITDA 20.98
CNRB's EV-to-EBITDA is ranked lower than
78% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CNRB: 20.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNRB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -91.7  Med: 18.6 Max: 980.3
Current: 20.98
-91.7
980.3

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.20
CNRB's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CNRB: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CNRB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.8  Med: 0 Max: 0
Current: -0.2
-2.8
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.16
CNRB's Price/Tangible Book is ranked lower than
52% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CNRB: 1.16 )
Ranked among companies with meaningful Price/Tangible Book only.
CNRB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.25  Med: 0.61 Max: 1.18
Current: 1.16
0.25
1.18
Price/Projected FCF 0.92
CNRB's Price/Projected FCF is ranked lower than
74% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CNRB: 0.92 )
Ranked among companies with meaningful Price/Projected FCF only.
CNRB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.42  Med: 0.67 Max: 16
Current: 0.92
0.42
16
Price/Median PS Value 2.20
CNRB's Price/Median PS Value is ranked lower than
96% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CNRB: 2.20 )
Ranked among companies with meaningful Price/Median PS Value only.
CNRB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.33  Med: 0.96 Max: 2.23
Current: 2.2
0.33
2.23
Price/Peter Lynch Fair Value 4.57
CNRB's Price/Peter Lynch Fair Value is ranked lower than
100% of the 389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CNRB: 4.57 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CNRB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.26  Med: 2.45 Max: 4.63
Current: 4.57
0.26
4.63
Price/Graham Number 2.43
CNRB's Price/Graham Number is ranked lower than
97% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CNRB: 2.43 )
Ranked among companies with meaningful Price/Graham Number only.
CNRB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.21  Med: 0.49 Max: 2.46
Current: 2.43
0.21
2.46
Earnings Yield (Greenblatt) (%) 3.40
CNRB's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CNRB: 3.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNRB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.3  Med: 3.8 Max: 7
Current: 3.4
2.3
7
Forward Rate of Return (Yacktman) (%) 31.34
CNRB's Forward Rate of Return (Yacktman) (%) is ranked higher than
82% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. CNRB: 31.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNRB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -79.5  Med: 5.9 Max: 31.5
Current: 31.34
-79.5
31.5

More Statistics

Revenue (TTM) (Mil) $4.84
EPS (TTM) $ 0.07
Short Percentage of Float0.00%
52-Week Range $5.51 - 9.15
Shares Outstanding (Mil)1.77
» More Articles for OTCPK:CNRB

Headlines

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