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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.53
CNRB's Cash to Debt is ranked higher than
68% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CNRB: 0.53 )
CNRB' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.53

Equity to Asset 0.11
CNRB's Equity to Asset is ranked higher than
76% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CNRB: 0.11 )
CNRB' s 10-Year Equity to Asset Range
Min: -0.59   Max: 0.91
Current: 0.11

-0.59
0.91
Interest Coverage 1.25
CNRB's Interest Coverage is ranked higher than
68% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CNRB: 1.25 )
CNRB' s 10-Year Interest Coverage Range
Min: 0.29   Max: 1.25
Current: 1.25

0.29
1.25
F-Score: 5
Z-Score: 0.02
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 (%) 9.90
CNRB's Operating margin (%) is ranked higher than
54% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.70 vs. CNRB: 9.90 )
CNRB' s 10-Year Operating margin (%) Range
Min: -692.36   Max: 12.5
Current: 9.9

-692.36
12.5
Net-margin (%) 19.70
CNRB's Net-margin (%) is ranked higher than
72% of the 1787 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. CNRB: 19.70 )
CNRB' s 10-Year Net-margin (%) Range
Min: -428.66   Max: 20.62
Current: 19.7

-428.66
20.62
ROE (%) 7.42
CNRB's ROE (%) is ranked higher than
72% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CNRB: 7.42 )
CNRB' s 10-Year ROE (%) Range
Min: -28.72   Max: 8.23
Current: 7.42

-28.72
8.23
ROA (%) 0.81
CNRB's ROA (%) is ranked higher than
74% of the 1794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CNRB: 0.81 )
CNRB' s 10-Year ROA (%) Range
Min: -6.8   Max: 0.91
Current: 0.81

-6.8
0.91
ROC (Joel Greenblatt) (%) 22.70
CNRB's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.73 vs. CNRB: 22.70 )
CNRB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -152.33   Max: 103.86
Current: 22.7

-152.33
103.86
Revenue Growth (%) 0.60
CNRB's Revenue Growth (%) is ranked higher than
74% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CNRB: 0.60 )
CNRB' s 10-Year Revenue Growth (%) Range
Min: 0.6   Max: 88.4
Current: 0.6

0.6
88.4
» CNRB's 10-Y Financials

Financials


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

» Details

Guru Trades

CNRB Guru Trades in

CNRB Guru Trades in

CNRB Guru Trades in

Q2 2014

CNRB Guru Trades in Q2 2014

Ken Fisher 12,500 sh (New)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2014-06-30 New Buy$3.4 - $4 $ 3.786%12500
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.90
CNRB's P/E(ttm) is ranked higher than
92% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. CNRB: 8.90 )
CNRB' s 10-Year P/E(ttm) Range
Min: 4.03   Max: 15.99
Current: 8.9

4.03
15.99
P/B 0.63
CNRB's P/B is ranked higher than
91% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CNRB: 0.63 )
CNRB' s 10-Year P/B Range
Min: 0.25   Max: 0.79
Current: 0.63

0.25
0.79
P/S 1.44
CNRB's P/S is ranked higher than
92% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CNRB: 1.44 )
CNRB' s 10-Year P/S Range
Min: 0.44   Max: 1.71
Current: 1.44

0.44
1.71
EV-to-EBIT 25.14
CNRB's EV-to-EBIT is ranked higher than
66% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.86 vs. CNRB: 25.14 )
CNRB' s 10-Year EV-to-EBIT Range
Min: -50.7   Max: 32.9
Current: 25.14

-50.7
32.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.62
CNRB's Price/Tangible Book is ranked higher than
93% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CNRB: 0.62 )
CNRB' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 0.79
Current: 0.62

0.25
0.79
Price/DCF (Projected) 0.53
CNRB's Price/DCF (Projected) is ranked higher than
87% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CNRB: 0.53 )
CNRB' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 16
Current: 0.53

0.49
16
Price/Median PS Value 1.35
CNRB's Price/Median PS Value is ranked higher than
62% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CNRB: 1.35 )
CNRB' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 1.43
Current: 1.35

0.41
1.43
Price/Graham Number 0.42
CNRB's Price/Graham Number is ranked higher than
96% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. CNRB: 0.42 )
CNRB' s 10-Year Price/Graham Number Range
Min: 0.15   Max: 0.64
Current: 0.42

0.15
0.64
Earnings Yield (Greenblatt) 4.00
CNRB's Earnings Yield (Greenblatt) is ranked higher than
62% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CNRB: 4.00 )
CNRB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 7
Current: 4

3
7
Forward Rate of Return (Yacktman) 9.30
CNRB's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. CNRB: 9.30 )
CNRB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -129.8   Max: 11.7
Current: 9.3

-129.8
11.7

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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