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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.67
CSFL's Cash to Debt is ranked lower than
61% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CSFL: 0.67 )
Ranked among companies with meaningful Cash to Debt only.
CSFL' s Cash to Debt Range Over the Past 10 Years
Min: 0.41  Med: 2.13 Max: No Debt
Current: 0.67
Equity to Asset 0.12
CSFL's Equity to Asset is ranked higher than
70% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CSFL: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
CSFL' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.13
Current: 0.12
0.07
0.13
Interest Coverage 8.50
CSFL's Interest Coverage is ranked higher than
89% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CSFL: 8.50 )
Ranked among companies with meaningful Interest Coverage only.
CSFL' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 0.90 Max: 3.02
Current: 8.5
0.17
3.02
F-Score: 4
WACC vs ROIC
5.92%
8.66%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 32.16
CSFL's Operating margin (%) is ranked higher than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CSFL: 32.16 )
Ranked among companies with meaningful Operating margin (%) only.
CSFL' s Operating margin (%) Range Over the Past 10 Years
Min: -13.35  Med: 11.38 Max: 30.8
Current: 32.16
-13.35
30.8
Net-margin (%) 20.44
CSFL's Net-margin (%) is ranked lower than
57% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CSFL: 20.44 )
Ranked among companies with meaningful Net-margin (%) only.
CSFL' s Net-margin (%) Range Over the Past 10 Years
Min: -7.61  Med: 7.53 Max: 19.56
Current: 20.44
-7.61
19.56
ROE (%) 8.31
CSFL's ROE (%) is ranked higher than
52% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CSFL: 8.31 )
Ranked among companies with meaningful ROE (%) only.
CSFL' s ROE (%) Range Over the Past 10 Years
Min: -3.04  Med: 3.63 Max: 8.17
Current: 8.31
-3.04
8.17
ROA (%) 1.01
CSFL's ROA (%) is ranked higher than
63% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CSFL: 1.01 )
Ranked among companies with meaningful ROA (%) only.
CSFL' s ROA (%) Range Over the Past 10 Years
Min: -0.4  Med: 0.43 Max: 0.87
Current: 1.01
-0.4
0.87
Revenue Growth (3Y)(%) -12.70
CSFL's Revenue Growth (3Y)(%) is ranked lower than
83% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CSFL: -12.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSFL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.7  Med: 4.70 Max: 99.4
Current: -12.7
-12.7
99.4
EBITDA Growth (3Y)(%) 6.60
CSFL's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CSFL: 6.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSFL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.4  Med: 6.25 Max: 16.6
Current: 6.6
-22.4
16.6
EPS Growth (3Y)(%) 6.10
CSFL's EPS Growth (3Y)(%) is ranked lower than
54% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CSFL: 6.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CSFL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -25.5  Med: 5.40 Max: 25.3
Current: 6.1
-25.5
25.3
» CSFL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

CSFL Guru Trades in Q1 2015

Jim Simons 187,500 sh (+32.98%)
Chuck Royce 535,641 sh (+0.94%)
Tom Russo 11,004 sh (unchged)
» More
Q2 2015

CSFL Guru Trades in Q2 2015

Jim Simons 234,000 sh (+24.80%)
Chuck Royce 538,141 sh (+0.47%)
Tom Russo 11,004 sh (unchged)
» More
Q3 2015

CSFL Guru Trades in Q3 2015

Jim Simons 306,600 sh (+31.03%)
Tom Russo 11,004 sh (unchged)
Chuck Royce 522,641 sh (-2.88%)
» More
Q4 2015

CSFL Guru Trades in Q4 2015

Ken Fisher 34,498 sh (New)
Jim Simons 415,400 sh (+35.49%)
Tom Russo 11,004 sh (unchged)
Chuck Royce 480,141 sh (-8.13%)
» More
» Details

Insider Trades

Latest Guru Trades with CSFL

(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) 17.96
CSFL's P/E(ttm) is ranked lower than
78% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. CSFL: 17.96 )
Ranked among companies with meaningful P/E(ttm) only.
CSFL' s P/E(ttm) Range Over the Past 10 Years
Min: 10.08  Med: 26.34 Max: 65.15
Current: 17.96
10.08
65.15
Forward P/E 11.36
CSFL's Forward P/E is ranked lower than
68% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. CSFL: 11.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.96
CSFL's PE(NRI) is ranked lower than
76% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CSFL: 17.96 )
Ranked among companies with meaningful PE(NRI) only.
CSFL' s PE(NRI) Range Over the Past 10 Years
Min: 10.08  Med: 26.45 Max: 239.75
Current: 17.96
10.08
239.75
P/B 1.33
CSFL's P/B is ranked lower than
73% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CSFL: 1.33 )
Ranked among companies with meaningful P/B only.
CSFL' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 1.15 Max: 2.8
Current: 1.33
0.57
2.8
P/S 3.52
CSFL's P/S is ranked lower than
69% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CSFL: 3.52 )
Ranked among companies with meaningful P/S only.
CSFL' s P/S Range Over the Past 10 Years
Min: 0.98  Med: 2.77 Max: 7.55
Current: 3.52
0.98
7.55
PFCF 18.00
CSFL's PFCF is ranked lower than
82% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. CSFL: 18.00 )
Ranked among companies with meaningful PFCF only.
CSFL' s PFCF Range Over the Past 10 Years
Min: 12.57  Med: 60.22 Max: 896
Current: 18
12.57
896
POCF 16.80
CSFL's POCF is ranked lower than
84% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. CSFL: 16.80 )
Ranked among companies with meaningful POCF only.
CSFL' s POCF Range Over the Past 10 Years
Min: 5.8  Med: 19.50 Max: 136.33
Current: 16.8
5.8
136.33
EV-to-EBIT 11.72
CSFL's EV-to-EBIT is ranked higher than
56% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CSFL: 11.72 )
Ranked among companies with meaningful EV-to-EBIT only.
CSFL' s EV-to-EBIT Range Over the Past 10 Years
Min: -44.5  Med: 16.20 Max: 306.9
Current: 11.72
-44.5
306.9
EV-to-EBITDA 10.69
CSFL's EV-to-EBITDA is ranked higher than
56% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. CSFL: 10.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
CSFL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -103.4  Med: 12.80 Max: 52.8
Current: 10.69
-103.4
52.8
Shiller P/E 42.45
CSFL's Shiller P/E is ranked lower than
91% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. CSFL: 42.45 )
Ranked among companies with meaningful Shiller P/E only.
CSFL' s Shiller P/E Range Over the Past 10 Years
Min: 13.3  Med: 23.18 Max: 45.97
Current: 42.45
13.3
45.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.49
CSFL's Dividend Yield is ranked lower than
95% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CSFL: 0.49 )
Ranked among companies with meaningful Dividend Yield only.
CSFL' s Dividend Yield Range Over the Past 10 Years
Min: 0.3  Med: 0.63 Max: 2.06
Current: 0.49
0.3
2.06
Dividend Payout 0.08
CSFL's Dividend Payout is ranked higher than
94% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CSFL: 0.08 )
Ranked among companies with meaningful Dividend Payout only.
CSFL' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.21 Max: 1.33
Current: 0.08
0.02
1.33
Forward Dividend Yield 0.55
CSFL's Forward Dividend Yield is ranked lower than
96% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CSFL: 0.55 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.33
CSFL's Yield on cost (5-Year) is ranked lower than
96% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CSFL: 0.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CSFL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.2  Med: 0.42 Max: 1.38
Current: 0.33
0.2
1.38
3-Year Average Share Buyback Ratio -11.10
CSFL's 3-Year Average Share Buyback Ratio is ranked lower than
80% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CSFL: -11.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CSFL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -33.6  Med: -16.80 Max: -1.2
Current: -11.1
-33.6
-1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.63
CSFL's Price/Tangible Book is ranked lower than
77% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. CSFL: 1.63 )
Ranked among companies with meaningful Price/Tangible Book only.
CSFL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.76  Med: 1.60 Max: 2.61
Current: 1.63
0.76
2.61
Price/Projected FCF 1.54
CSFL's Price/Projected FCF is ranked lower than
89% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CSFL: 1.54 )
Ranked among companies with meaningful Price/Projected FCF only.
CSFL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.59  Med: 1.25 Max: 2.2
Current: 1.54
0.59
2.2
Price/Median PS Value 1.25
CSFL's Price/Median PS Value is ranked lower than
78% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CSFL: 1.25 )
Ranked among companies with meaningful Price/Median PS Value only.
CSFL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.02 Max: 2.73
Current: 1.25
0.44
2.73
Price/Graham Number 1.10
CSFL's Price/Graham Number is ranked lower than
75% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CSFL: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
CSFL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.75  Med: 1.38 Max: 2.57
Current: 1.1
0.75
2.57
Earnings Yield (Greenblatt) (%) 8.56
CSFL's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CSFL: 8.56 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSFL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 5.70 Max: 15
Current: 8.56
0.3
15
Forward Rate of Return (Yacktman) (%) -12.29
CSFL's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CSFL: -12.29 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CSFL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -87.9  Med: 0.80 Max: 9.2
Current: -12.29
-87.9
9.2

More Statistics

Revenue(Mil) $192
EPS $ 0.86
Beta0.48
Short Percentage of Float2.16%
52-Week Range $11.54 - 16.31
Shares Outstanding(Mil)45.47

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.16 1.27
EPS without NRI($) 1.16 1.27

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Centerstate Banks Inc was incorporated under the laws of the State of Florida on September 20, 1999. The Company is a registered bank holding company under the Bank Holding Company Act of 1956, and owns all the outstanding shares of CenterState Bank of Florida, N.A. and Valrico State Bank, and R4ALL, Inc., a non-bank subsidiary. The Company, through its subsidiary banks, operates through 55 full service banking locations in seventeen counties throughout Central Florida, providing traditional deposit and lending products and services to its commercial and retail customers. The basic services it offers include: demand interest-bearing and noninterest-bearing accounts, money market deposit accounts, time deposits, safe deposit services, cash management, direct deposits, notary services, money orders, night depository, travelers' checks, cashier's checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, and banking by mail and by internet. In addition, the Company makes residential and commercial real estate loans, secured and unsecured commercial loans and consumer loans. The bank provides automated teller machine cards, thereby permitting customers to utilize the convenience of larger ATM networks. The Company also offers internet banking services to the customers. It has a wealth management division that offers other financial products to its customers, including mutual funds, annuities and other products. The Company's lending services includes real estate, consumer and commercial loans, to individuals and small businesses and other organizations that are located in or conduct a substantial portion of their business in its market area. Its real estate loans are secured by mortgages and consist mainly of loans to individuals and businesses for the purchase, improvement of or investment in real estate, for the construction of single-family residential and commercial units, and for the development of single-family residential building lots. Its consumer loan portfolio consists mainly of loans to individuals for various consumer purposes, but includes some business purpose loans which are payable on an installment basis. Its commercial loan portfolio includes loans to individuals and small-to-medium sized businesses located primarily in eighteen Florida counties. Deposits are the major source of its funds for lending and other investment activities. The Company considers the majority of its regular savings, demand, NOW and money market deposit accounts to be core deposits. Each of its banks uses a single in-house core data processing solution. The core data processing system provides automated general ledgers, deposit processing and accounting services, and loan processing and accounting services. The Company mainly competes with other commercial banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking comp
» More Articles for CSFL

Headlines

Articles On GuruFocus.com
Centerstate Banks of Florida Inc. Reports Operating Results (10-K) Mar 16 2011 
Centerstate Banks of Florida Inc. (CSFL) CEO Ernest S Pinner buys 1,000 Shares Dec 20 2010 
Centerstate Banks of Florida Inc. Reports Operating Results (10-Q) Aug 04 2010 
Centerstate Banks of Florida Inc. (CSFL) CFO James J Antal sells 3,114 Shares Jun 16 2010 
Centerstate Banks of Florida Inc. Reports Operating Results (10-Q) May 04 2010 
Centerstate Banks of Florida Inc. Reports Operating Results (10-Q) Nov 04 2009 
Weekly CFO Buys Highlight: Centerstate Banks of Florida, Ultra Clean Holdings, O. I. Corp., MFA Mort Aug 08 2009 
Centerstate Banks of Florida Inc. (CSFL) CEO Ernest S Pinner buys 5,000 Shares Aug 03 2009 
Centerstate Banks of Florida Inc. (CSFL) CFO James J Antal buys 5,000 Shares Aug 03 2009 
Centerstate Banks of Florida Inc. Reports Operating Results (10-Q) May 06 2009 

More From Other Websites
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