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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 2.48
CSFL's Cash to Debt is ranked higher than
57% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. CSFL: 2.48 )
Ranked among companies with meaningful Cash to Debt only.
CSFL' s 10-Year Cash to Debt Range
Min: 0.41  Med: 2.17 Max: No Debt
Current: 2.48
Equity to Asset 0.12
CSFL's Equity to Asset is ranked higher than
71% of the 1319 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.13
Current: 0.12
0.07
0.13
Interest Coverage 2.73
CSFL's Interest Coverage is ranked higher than
65% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CSFL: 2.73 )
Ranked among companies with meaningful Interest Coverage only.
CSFL' s 10-Year Interest Coverage Range
Min: 0.17  Med: 0.61 Max: 3.02
Current: 2.73
0.17
3.02
F-Score: 5
WACC vs ROIC
8.50%
5.17%
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 (%) 19.40
CSFL's Operating margin (%) is ranked lower than
74% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. CSFL: 19.40 )
Ranked among companies with meaningful Operating margin (%) only.
CSFL' s 10-Year Operating margin (%) Range
Min: -13.35  Med: 18.15 Max: 30.8
Current: 19.4
-13.35
30.8
Net-margin (%) 12.40
CSFL's Net-margin (%) is ranked lower than
78% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. CSFL: 12.40 )
Ranked among companies with meaningful Net-margin (%) only.
CSFL' s 10-Year Net-margin (%) Range
Min: -7.61  Med: 12.08 Max: 19.56
Current: 12.4
-7.61
19.56
ROE (%) 4.94
CSFL's ROE (%) is ranked lower than
73% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. CSFL: 4.94 )
Ranked among companies with meaningful ROE (%) only.
CSFL' s 10-Year ROE (%) Range
Min: -3.04  Med: 5.87 Max: 9.49
Current: 4.94
-3.04
9.49
ROA (%) 0.58
CSFL's ROA (%) is ranked lower than
66% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CSFL: 0.58 )
Ranked among companies with meaningful ROA (%) only.
CSFL' s 10-Year ROA (%) Range
Min: -0.4  Med: 0.51 Max: 0.87
Current: 0.58
-0.4
0.87
ROC (Joel Greenblatt) (%) 33.49
CSFL's ROC (Joel Greenblatt) (%) is ranked lower than
73% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. CSFL: 33.49 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CSFL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -17.63  Med: 20.56 Max: 48.54
Current: 33.49
-17.63
48.54
Revenue Growth (3Y)(%) -0.30
CSFL's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CSFL: -0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CSFL' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.8  Med: 4.40 Max: 10.5
Current: -0.3
-1.8
10.5
EBITDA Growth (3Y)(%) 7.20
CSFL's EBITDA Growth (3Y)(%) is ranked higher than
50% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CSFL: 7.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CSFL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.90 Max: 16.6
Current: 7.2
0
16.6
EPS Growth (3Y)(%) 6.00
CSFL's EPS Growth (3Y)(%) is ranked lower than
61% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CSFL: 6.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CSFL' s 10-Year EPS Growth (3Y)(%) Range
Min: -25.8  Med: 5.40 Max: 25.4
Current: 6
-25.8
25.4
» CSFL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CSFL Guru Trades in Q2 2014

Jim Simons 288,684 sh (+79.53%)
Chuck Royce 468,141 sh (+5.64%)
Tom Russo 11,004 sh (unchged)
» More
Q3 2014

CSFL Guru Trades in Q3 2014

Chuck Royce 530,641 sh (+13.35%)
Tom Russo 11,004 sh (unchged)
Jim Simons 180,066 sh (-37.63%)
» More
Q4 2014

CSFL Guru Trades in Q4 2014

Chuck Royce 530,641 sh (unchged)
Tom Russo 11,004 sh (unchged)
Jim Simons 141,000 sh (-21.70%)
» More
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
» 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) 28.15
CSFL's P/E(ttm) is ranked lower than
87% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CSFL: 28.15 )
Ranked among companies with meaningful P/E(ttm) only.
CSFL' s 10-Year P/E(ttm) Range
Min: 10.11  Med: 26.91 Max: 1598.33
Current: 28.15
10.11
1598.33
Forward P/E 14.45
CSFL's Forward P/E is ranked lower than
73% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. CSFL: 14.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 28.50
CSFL's PE(NRI) is ranked lower than
87% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. CSFL: 28.50 )
Ranked among companies with meaningful PE(NRI) only.
CSFL' s 10-Year PE(NRI) Range
Min: 10.08  Med: 26.91 Max: 239.75
Current: 28.5
10.08
239.75
P/B 1.28
CSFL's P/B is ranked lower than
66% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CSFL: 1.28 )
Ranked among companies with meaningful P/B only.
CSFL' s 10-Year P/B Range
Min: 0.57  Med: 1.15 Max: 2.8
Current: 1.28
0.57
2.8
P/S 3.44
CSFL's P/S is ranked lower than
60% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. CSFL: 3.44 )
Ranked among companies with meaningful P/S only.
CSFL' s 10-Year P/S Range
Min: 1.17  Med: 2.78 Max: 7.83
Current: 3.44
1.17
7.83
PFCF 69.75
CSFL's PFCF is ranked lower than
95% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. CSFL: 69.75 )
Ranked among companies with meaningful PFCF only.
CSFL' s 10-Year PFCF Range
Min: 12.57  Med: 56.10 Max: 896
Current: 69.75
12.57
896
POCF 35.80
CSFL's POCF is ranked lower than
93% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. CSFL: 35.80 )
Ranked among companies with meaningful POCF only.
CSFL' s 10-Year POCF Range
Min: 5.8  Med: 20.84 Max: 136.33
Current: 35.8
5.8
136.33
EV-to-EBIT 17.42
CSFL's EV-to-EBIT is ranked lower than
63% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. CSFL: 17.42 )
Ranked among companies with meaningful EV-to-EBIT only.
CSFL' s 10-Year EV-to-EBIT Range
Min: -44.5  Med: 16.70 Max: 306.9
Current: 17.42
-44.5
306.9
Shiller P/E 85.00
CSFL's Shiller P/E is ranked lower than
96% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. CSFL: 85.00 )
Ranked among companies with meaningful Shiller P/E only.
CSFL' s 10-Year Shiller P/E Range
Min: 12.71  Med: 29.95 Max: 116.4
Current: 85
12.71
116.4
Days Sales Outstanding 19.93
CSFL's Days Sales Outstanding is ranked higher than
81% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. CSFL: 19.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
CSFL' s 10-Year Days Sales Outstanding Range
Min: 15.28  Med: 36.10 Max: 52.63
Current: 19.93
15.28
52.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.37
CSFL's Dividend Yield is ranked lower than
98% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. CSFL: 0.37 )
Ranked among companies with meaningful Dividend Yield only.
CSFL' s 10-Year Dividend Yield Range
Min: 0.29  Med: 0.67 Max: 2.06
Current: 0.37
0.29
2.06
Dividend Payout 0.08
CSFL's Dividend Payout is ranked higher than
96% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CSFL: 0.08 )
Ranked among companies with meaningful Dividend Payout only.
CSFL' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.22 Max: 6.67
Current: 0.08
0.02
6.67
Yield on cost (5-Year) 0.25
CSFL's Yield on cost (5-Year) is ranked lower than
98% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. CSFL: 0.25 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CSFL' s 10-Year Yield on cost (5-Year) Range
Min: 0.19  Med: 0.45 Max: 1.38
Current: 0.25
0.19
1.38
Share Buyback Rate -11.10
CSFL's Share Buyback Rate is ranked lower than
81% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CSFL: -11.10 )
Ranked among companies with meaningful Share Buyback Rate only.
CSFL' s 10-Year Share Buyback Rate Range
Min: -1.2  Med: -16.80 Max: -33.6
Current: -11.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.62
CSFL's Price/Tangible Book is ranked lower than
72% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CSFL: 1.62 )
Ranked among companies with meaningful Price/Tangible Book only.
CSFL' s 10-Year Price/Tangible Book Range
Min: 0.76  Med: 1.57 Max: 2.61
Current: 1.62
0.76
2.61
Price/Projected FCF 1.62
CSFL's Price/Projected FCF is ranked lower than
89% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CSFL: 1.62 )
Ranked among companies with meaningful Price/Projected FCF only.
CSFL' s 10-Year Price/Projected FCF Range
Min: 0.61  Med: 1.26 Max: 2.29
Current: 1.62
0.61
2.29
Price/Median PS Value 1.23
CSFL's Price/Median PS Value is ranked lower than
68% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CSFL: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
CSFL' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 1.03 Max: 2.77
Current: 1.23
0.45
2.77
Price/Graham Number 1.43
CSFL's Price/Graham Number is ranked lower than
86% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CSFL: 1.43 )
Ranked among companies with meaningful Price/Graham Number only.
CSFL' s 10-Year Price/Graham Number Range
Min: 0.75  Med: 1.38 Max: 2.16
Current: 1.43
0.75
2.16
Earnings Yield (Greenblatt) (%) 5.79
CSFL's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CSFL: 5.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CSFL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 5.50 Max: 15.2
Current: 5.79
0.3
15.2
Forward Rate of Return (Yacktman) (%) -88.80
CSFL's Forward Rate of Return (Yacktman) (%) is ranked lower than
98% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. CSFL: -88.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CSFL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -87.9  Med: 0.80 Max: 7
Current: -88.8
-87.9
7

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
comment on CSFL May 10 2013 
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 

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