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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 0.23
CNRB's Cash to Debt is ranked lower than
80% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CNRB: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
CNRB' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.61 Max: No Debt
Current: 0.23
Equity to Asset 0.12
CNRB's Equity to Asset is ranked higher than
66% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CNRB: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
CNRB' s 10-Year Equity to Asset Range
Min: -0.59  Med: 0.11 Max: 0.91
Current: 0.12
-0.59
0.91
Interest Coverage 1.24
CNRB's Interest Coverage is ranked lower than
56% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CNRB: 1.24 )
Ranked among companies with meaningful Interest Coverage only.
CNRB' s 10-Year Interest Coverage Range
Min: 0.29  Med: 1.09 Max: 1.25
Current: 1.24
0.29
1.25
F-Score: 5
WACC vs ROIC
3.93%
6.81%
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 (%) 11.32
CNRB's Operating margin (%) is ranked lower than
85% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CNRB: 11.32 )
Ranked among companies with meaningful Operating margin (%) only.
CNRB' s 10-Year Operating margin (%) Range
Min: -692.36  Med: -6.14 Max: 12.5
Current: 11.32
-692.36
12.5
Net-margin (%) 27.71
CNRB's Net-margin (%) is ranked higher than
67% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CNRB: 27.71 )
Ranked among companies with meaningful Net-margin (%) only.
CNRB' s 10-Year Net-margin (%) Range
Min: -428.66  Med: -6.14 Max: 29.43
Current: 27.71
-428.66
29.43
ROE (%) 9.12
CNRB's ROE (%) is ranked higher than
55% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CNRB: 9.12 )
Ranked among companies with meaningful ROE (%) only.
CNRB' s 10-Year ROE (%) Range
Min: -28.72  Med: 0.10 Max: 9.31
Current: 9.12
-28.72
9.31
ROA (%) 1.18
CNRB's ROA (%) is ranked higher than
70% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CNRB: 1.18 )
Ranked among companies with meaningful ROA (%) only.
CNRB' s 10-Year ROA (%) Range
Min: -4.08  Med: 0.19 Max: 1.2
Current: 1.18
-4.08
1.2
Revenue Growth (3Y)(%) -3.00
CNRB's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CNRB: -3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNRB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3  Med: 12.10 Max: 88.4
Current: -3
-3
88.4
EBITDA Growth (3Y)(%) 7.00
CNRB's EBITDA Growth (3Y)(%) is ranked lower than
52% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CNRB: 7.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNRB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -71  Med: -40.60 Max: 7
Current: 7
-71
7
EPS Growth (3Y)(%) 31.40
CNRB's EPS Growth (3Y)(%) is ranked higher than
84% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CNRB: 31.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNRB' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.3  Med: -20.30 Max: 31.4
Current: 31.4
-47.3
31.4
» CNRB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

CNRB Guru Trades in Q3 2014

Ken Fisher 12,500 sh (unchged)
» More
Q4 2014

CNRB Guru Trades in Q4 2014

Ken Fisher 12,500 sh (unchged)
» More
Q1 2015

CNRB Guru Trades in Q1 2015

Ken Fisher 12,500 sh (unchged)
» More
Q2 2015

CNRB Guru Trades in Q2 2015

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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Ratios

vs
industry
vs
history
P/E(ttm) 8.40
CNRB's P/E(ttm) is ranked higher than
76% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CNRB: 8.40 )
Ranked among companies with meaningful P/E(ttm) only.
CNRB' s 10-Year P/E(ttm) Range
Min: 4.03  Med: 7.38 Max: 15.99
Current: 8.4
4.03
15.99
PE(NRI) 8.90
CNRB's PE(NRI) is ranked higher than
76% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CNRB: 8.90 )
Ranked among companies with meaningful PE(NRI) only.
CNRB' s 10-Year PE(NRI) Range
Min: 4.17  Med: 7.48 Max: 16.11
Current: 8.9
4.17
16.11
P/B 0.82
CNRB's P/B is ranked higher than
66% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CNRB: 0.82 )
Ranked among companies with meaningful P/B only.
CNRB' s 10-Year P/B Range
Min: 0.25  Med: 0.58 Max: 1.11
Current: 0.82
0.25
1.11
P/S 2.03
CNRB's P/S is ranked higher than
67% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CNRB: 2.03 )
Ranked among companies with meaningful P/S only.
CNRB' s 10-Year P/S Range
Min: 0.44  Med: 1.29 Max: 2.76
Current: 2.03
0.44
2.76
PFCF 22.08
CNRB's PFCF is ranked lower than
84% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CNRB: 22.08 )
Ranked among companies with meaningful PFCF only.
CNRB' s 10-Year PFCF Range
Min: 1.81  Med: 7.81 Max: 35
Current: 22.08
1.81
35
POCF 9.86
CNRB's POCF is ranked lower than
58% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. CNRB: 9.86 )
Ranked among companies with meaningful POCF only.
CNRB' s 10-Year POCF Range
Min: 1.69  Med: 5.80 Max: 26.92
Current: 9.86
1.69
26.92
EV-to-EBIT 36.99
CNRB's EV-to-EBIT is ranked lower than
88% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CNRB: 36.99 )
Ranked among companies with meaningful EV-to-EBIT only.
CNRB' s 10-Year EV-to-EBIT Range
Min: -50.7  Med: 24.20 Max: 43.4
Current: 36.99
-50.7
43.4
Shiller P/E 24.11
CNRB's Shiller P/E is ranked lower than
80% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CNRB: 24.11 )
Ranked among companies with meaningful Shiller P/E only.
CNRB' s 10-Year Shiller P/E Range
Min: 19.25  Med: 26.09 Max: 32.61
Current: 24.11
19.25
32.61
Days Sales Outstanding 28.64
CNRB's Days Sales Outstanding is ranked higher than
59% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CNRB: 28.64 )
Ranked among companies with meaningful Days Sales Outstanding only.
CNRB' s 10-Year Days Sales Outstanding Range
Min: 28.72  Med: 40.59 Max: 183.66
Current: 28.64
28.72
183.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.82
CNRB's Price/Tangible Book is ranked higher than
69% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CNRB: 0.82 )
Ranked among companies with meaningful Price/Tangible Book only.
CNRB' s 10-Year Price/Tangible Book Range
Min: 0.25  Med: 0.58 Max: 0.89
Current: 0.82
0.25
0.89
Price/Projected FCF 0.63
CNRB's Price/Projected FCF is ranked lower than
53% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CNRB: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
CNRB' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.68 Max: 16
Current: 0.63
0.42
16
Price/Median PS Value 1.57
CNRB's Price/Median PS Value is ranked lower than
92% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CNRB: 1.57 )
Ranked among companies with meaningful Price/Median PS Value only.
CNRB' s 10-Year Price/Median PS Value Range
Min: 0.34  Med: 0.94 Max: 1.71
Current: 1.57
0.34
1.71
Price/Graham Number 0.48
CNRB's Price/Graham Number is ranked higher than
79% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CNRB: 0.48 )
Ranked among companies with meaningful Price/Graham Number only.
CNRB' s 10-Year Price/Graham Number Range
Min: 0.15  Med: 0.36 Max: 0.64
Current: 0.48
0.15
0.64
Earnings Yield (Greenblatt) (%) 2.67
CNRB's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CNRB: 2.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNRB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.3  Med: 3.90 Max: 7
Current: 2.67
2.3
7

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
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.

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