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4 (1y: +57%)
Market Cap 7.06 M P/E(ttm) 14.70
Enterprise Value 13.33 M P/B 0.70
CNRB- OTCPK (USA)
Congaree Bancshares Inc
Not Rated
Top Ranked Predictable Companies
$4.00
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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 0.414
CNRB's Cash to Debt is ranked higher than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. CNRB: 0.414 )
CNRB' s 10-Year Cash to Debt Range
Min: 0.36   Max: No Debt
Current: 0.41
Equity to Asset 0.11
CNRB's Equity to Asset is ranked higher than
74% of the 1621 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: 0.08   Max: 0.67
Current: 0.11
0.08
0.67
Interest Coverage No Debt
CNRB's Interest Coverage is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CNRB: No Debt )
CNRB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.14
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 : 6/10

vs
industry		 vs
history
Operating margin (%) 12.50
CNRB's Operating margin (%) is ranked higher than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. CNRB: 12.50 )
CNRB' s 10-Year Operating margin (%) Range
Min: -692.4   Max: 12.5
Current: 12.5
-692.4
12.5
Net-margin (%) 18.5
CNRB's Net-margin (%) is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. CNRB: 18.5 )
CNRB' s 10-Year Net-margin (%) Range
Min: -428.7   Max: 18.5
Current: 18.5
-428.7
18.5
ROE (%) 8.2
CNRB's ROE (%) is ranked higher than
77% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CNRB: 8.2 )
CNRB' s 10-Year ROE (%) Range
Min: -32.8   Max: 8.2
Current: 8.2
-32.8
8.2
ROA (%) 0.9
CNRB's ROA (%) is ranked higher than
78% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. CNRB: 0.9 )
CNRB' s 10-Year ROA (%) Range
Min: -2.8   Max: 0.9
Current: 0.9
-2.8
0.9
Revenue Growth (%) 7.4
CNRB's Revenue Growth (%) is ranked higher than
91% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CNRB: 7.4 )
CNRB' s 10-Year Revenue Growth (%) Range
Min: 7.4   Max: 60.8
Current: 7.4
7.4
60.8
» CNRB's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 14.70
CNRB's P/E(ttm) is ranked higher than
57% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. CNRB: 14.70 )
CNRB' s 10-Year P/E(ttm) Range
Min: 4.03   Max: 15.26
Current: 14.7
4.03
15.26
P/B 0.70
CNRB's P/B is ranked higher than
80% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. CNRB: 0.70 )
CNRB' s 10-Year P/B Range
Min: 0.25   Max: 0.79
Current: 0.7
0.25
0.79
P/S 1.34
CNRB's P/S is ranked higher than
84% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. CNRB: 1.34 )
CNRB' s 10-Year P/S Range
Min: 0.44   Max: 1.71
Current: 1.34
0.44
1.71
PFCF 6.60
CNRB's PFCF is ranked higher than
63% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. CNRB: 6.60 )
CNRB' s 10-Year PFCF Range
Min: 1.81   Max: 35
Current: 6.6
1.81
35
EV-to-EBIT 19.2
CNRB's EV-to-EBIT is ranked higher than
54% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. CNRB: 19.2 )
CNRB' s 10-Year EV-to-EBIT Range
Min: 14.2   Max: 32.9
Current: 19.2
14.2
32.9

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
CNRB's Price/Tangible Book is ranked higher than
88% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CNRB: 0.7 )
CNRB' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 0.6
Current: 0.7
0.2
0.6
Price/DCF (Projected) 1.3
CNRB's Price/DCF (Projected) is ranked lower than
75% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CNRB: 1.3 )
CNRB' s 10-Year Price/DCF (Projected) Range
Min: 1.9   Max: 1.9
Current: 1.3
Price/Median PS Value 1.6
CNRB's Price/Median PS Value is ranked lower than
64% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CNRB: 1.6 )
CNRB' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.5
Current: 1.6
0.5
1.5
Price/Graham Number 0.4
CNRB's Price/Graham Number is ranked higher than
84% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CNRB: 0.4 )
CNRB' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 0.3
Current: 0.4
0.2
0.3
Earnings Yield (Greenblatt) 5.20
CNRB's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. CNRB: 5.20 )
CNRB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 7
Current: 5.2
3
7
Forward Rate of Return (Yacktman) -1.96
CNRB's Forward Rate of Return (Yacktman) is ranked lower than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CNRB: -1.96 )
CNRB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -24.7   Max: -2.3
Current: -1.96
-24.7
-2.3

Business Description

Congaree Bancshares, Inc. is a South Carolina corporation organized in November 2005. It operate as a bank holding company for Congaree State Bank. Congaree State Bank is a locally-owned and operated bank and organized to serve consumers and small- to mid-size businesses and professional concerns. A primary reason for operating the Bank lies in their belief that a community-based bank, with a personal focus, can identify and serve local relationship banking needs than can a branch or subsidiary of larger outside banking organizations. They offer a higher level of customer service and a management team more focused on the needs of the community than most of their competitors. Their primary service area consists of Lexington and Richland Counties, South Carolina. The Bank offer a full range of deposit services including checking accounts, commercial accounts, savings accounts, and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. The Bank provides other services such as safe deposit boxes, cashier's checks, banking by mail, direct deposit of payroll and social security checks, U.S. Savings Bonds, and traveler's checks. The Bank is associated with the Intercept Switch, Pulse, MasterCard, Cirrus and Plus ATM networks that may be used by the Bank's customers throughout the country. It also offer a debit card and credit card services through a correspondent bank as an agent for the Bank. The Bank may offer other bank services including, lines of credit, 24-hour telephone banking, and online banking. The Bank is competes with other financial institutions including securities firms, insurance companies, credit unions, leasing companies and finance companies.
Company Website
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Industry: Banks - Regional - US
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