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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 0.22
EVBS's Cash to Debt is ranked higher than
55% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. EVBS: 0.22 )
EVBS' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.22

Equity to Asset 0.11
EVBS's Equity to Asset is ranked higher than
74% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. EVBS: 0.11 )
EVBS' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.11

0.07
0.13
Interest Coverage 1.83
EVBS's Interest Coverage is ranked higher than
74% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. EVBS: 1.83 )
EVBS' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.83
Current: 1.83

0.11
1.83
F-Score: 6
Z-Score: 0.17
WACC vs ROIC
3.57%
2.87%
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 (%) 18.37
EVBS's Operating margin (%) is ranked higher than
58% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. EVBS: 18.37 )
EVBS' s 10-Year Operating margin (%) Range
Min: -72.62   Max: 47.06
Current: 18.37

-72.62
47.06
Net-margin (%) 12.82
EVBS's Net-margin (%) is ranked higher than
57% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. EVBS: 12.82 )
EVBS' s 10-Year Net-margin (%) Range
Min: -43.61   Max: 34.64
Current: 12.82

-43.61
34.64
ROE (%) 4.15
EVBS's ROE (%) is ranked higher than
56% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. EVBS: 4.15 )
EVBS' s 10-Year ROE (%) Range
Min: -10.94   Max: 14.1
Current: 4.15

-10.94
14.1
ROA (%) 0.53
EVBS's ROA (%) is ranked higher than
62% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. EVBS: 0.53 )
EVBS' s 10-Year ROA (%) Range
Min: -0.96   Max: 1.67
Current: 0.53

-0.96
1.67
ROC (Joel Greenblatt) (%) 11.12
EVBS's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. EVBS: 11.12 )
EVBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -79.72   Max: 327.66
Current: 11.12

-79.72
327.66
Revenue Growth (3Y)(%) -29.80
EVBS's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. EVBS: -29.80 )
EVBS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -29.8   Max: 28.2
Current: -29.8

-29.8
28.2
EBITDA Growth (3Y)(%) -2.60
EVBS's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. EVBS: -2.60 )
EVBS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -50.3   Max: 19.8
Current: -2.6

-50.3
19.8
EPS Growth (3Y)(%) 63.90
EVBS's EPS Growth (3Y)(%) is ranked higher than
97% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. EVBS: 63.90 )
EVBS' s 10-Year EPS Growth (3Y)(%) Range
Min: -54.2   Max: 63.9
Current: 63.9

-54.2
63.9
» EVBS's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 28.40
EVBS's P/E(ttm) is ranked higher than
61% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. EVBS: 28.40 )
EVBS' s 10-Year P/E(ttm) Range
Min: 10.8   Max: 75.4
Current: 28.4

10.8
75.4
Forward P/E 7.68
EVBS's Forward P/E is ranked higher than
94% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EVBS: 7.68 )
N/A
PE(NRI) 28.40
EVBS's PE(NRI) is ranked higher than
67% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. EVBS: 28.40 )
EVBS' s 10-Year PE(NRI) Range
Min: 10.8   Max: 73.08
Current: 28.4

10.8
73.08
P/B 0.70
EVBS's P/B is ranked higher than
90% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. EVBS: 0.70 )
EVBS' s 10-Year P/B Range
Min: 0.16   Max: 2.12
Current: 0.7

0.16
2.12
P/S 2.40
EVBS's P/S is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. EVBS: 2.40 )
EVBS' s 10-Year P/S Range
Min: 0.25   Max: 3.79
Current: 2.4

0.25
3.79
PFCF 10.60
EVBS's PFCF is ranked higher than
83% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EVBS: 10.60 )
EVBS' s 10-Year PFCF Range
Min: 0.78   Max: 59.92
Current: 10.6

0.78
59.92
POCF 9.18
EVBS's POCF is ranked higher than
85% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. EVBS: 9.18 )
EVBS' s 10-Year POCF Range
Min: 0.7   Max: 168.25
Current: 9.18

0.7
168.25
EV-to-EBIT 21.37
EVBS's EV-to-EBIT is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. EVBS: 21.37 )
EVBS' s 10-Year EV-to-EBIT Range
Min: -96.3   Max: 319.1
Current: 21.37

-96.3
319.1
Days Sales Outstanding 33.17
EVBS's Days Sales Outstanding is ranked higher than
88% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EVBS: 33.17 )
EVBS' s 10-Year Days Sales Outstanding Range
Min: 30.91   Max: 70.26
Current: 33.17

30.91
70.26

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
EVBS's Price/Tangible Book is ranked higher than
90% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. EVBS: 0.80 )
EVBS' s 10-Year Price/Tangible Book Range
Min: 0.22   Max: 2.83
Current: 0.8

0.22
2.83
Price/DCF (Projected) 0.60
EVBS's Price/DCF (Projected) is ranked higher than
90% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EVBS: 0.60 )
EVBS' s 10-Year Price/DCF (Projected) Range
Min: 0.08   Max: 1.43
Current: 0.6

0.08
1.43
Price/Median PS Value 1.10
EVBS's Price/Median PS Value is ranked higher than
78% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. EVBS: 1.10 )
EVBS' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 5.37
Current: 1.1

0.13
5.37
Price/Graham Number 0.60
EVBS's Price/Graham Number is ranked higher than
92% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. EVBS: 0.60 )
EVBS' s 10-Year Price/Graham Number Range
Min: 0.22   Max: 1.57
Current: 0.6

0.22
1.57
Earnings Yield (Greenblatt) 4.80
EVBS's Earnings Yield (Greenblatt) is ranked higher than
59% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. EVBS: 4.80 )
EVBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 11
Current: 4.8

0.3
11
Forward Rate of Return (Yacktman) 4.75
EVBS's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. EVBS: 4.75 )
EVBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.5   Max: 77.4
Current: 4.75

-2.5
77.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Eastern Virginia Bankshares Inc a Virginia corporation was incorporated on September 5, 1997. The Company is a bank holding company. Through its wholly-owned bank subsidiary, EVB, it operates 21 full service branches and 2 drive-in facilities in eastern Virginia. EVB is a community bank targeting small to medium-sized businesses and consumers in its traditional coastal plain markets and the emerging suburbs outside of the Richmond and Greater Tidewater areas. It provides personal and commercial banking services including commercial, consumer and real estate loans. It also provides retail and commercial deposit products and fee-based services. The Company's markets are located east of U.S. Route 250 and extend from northeast of Richmond to the Chesapeake Bay in central Virginia and across the James River from Colonial Heights to southeastern Virginia. It has four primary market areas: Northern Neck, Middle Peninsula, Capital or suburbs of Richmond and Southern. The Company's Northern Neck and Middle Peninsula regions are in the eastern coastal plain of Virginia. The Company's Capital region is comprised of Hanover, Henrico, King William counties and Colonial Heights which are emerging suburbs of Richmond. The Company's Southern region is comprised of New Kent, Surry, Sussex, and Southampton counties. The Company provides lending and credit services to customers including mortgage, commercial and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans in the Company's market area. It competes with national and regional financial institutions, savings associations and other independent community banks, as well as credit unions, mutual funds and life insurance companies. The Company is subject to the supervision of, the Board of Governors of the Federal Reserve System and the Federal Reserve Bank of Richmond.
» More Articles for EVBS

Headlines

Articles On GuruFocus.com
undervalued Mar 11 2012 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Nov 15 2010 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Aug 16 2010 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) May 13 2010 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Aug 07 2009 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q/A) Jun 25 2009 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) May 06 2009 
Eastern Virginia Bankshares Announces Earnings, Declares Dividend Jan 16 2009 

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