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5.25 (1y: +27%)
Market Cap 32.1 M P/E(ttm) 14.20
Enterprise Value 184.04 M P/B 0.30
EVBS- NAS (USA)
Eastern Virginia Bankshares Inc
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$5.25
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.396
EVBS's Cash to Debt is ranked lower than
58% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. EVBS: 0.396 )
EVBS' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.4
Equity to Asset 0.078
EVBS's Equity to Asset is ranked lower than
68% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. EVBS: 0.078 )
EVBS' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.08
0.06
0.11
Interest Coverage No Debt
EVBS's Interest Coverage is ranked lower than
56% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. EVBS: No Debt )
EVBS' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.23
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 10.10
EVBS's Operating margin (%) is ranked lower than
73% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. EVBS: 10.10 )
EVBS' s 10-Year Operating margin (%) Range
Min: -72.6   Max: 46.9
Current: 10.1
-72.6
46.9
Net-margin (%) 8
EVBS's Net-margin (%) is ranked lower than
77% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. EVBS: 8 )
EVBS' s 10-Year Net-margin (%) Range
Min: -43.6   Max: 34.3
Current: 8
-43.6
34.3
ROE (%) 3.5
EVBS's ROE (%) is ranked lower than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. EVBS: 3.5 )
EVBS' s 10-Year ROE (%) Range
Min: -11.8   Max: 14
Current: 3.5
-11.8
14
ROA (%) 0.3
EVBS's ROA (%) is ranked lower than
72% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. EVBS: 0.3 )
EVBS' s 10-Year ROA (%) Range
Min: -1   Max: 1.6
Current: 0.3
-1
1.6
Revenue Growth (%) 20.4
EVBS's Revenue Growth (%) is ranked higher than
97% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EVBS: 20.4 )
EVBS' s 10-Year Revenue Growth (%) Range
Min: -17.5   Max: 20.4
Current: 20.4
-17.5
20.4
ยป EVBS'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) 14.20
EVBS's P/E(ttm) is ranked lower than
54% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. EVBS: 14.20 )
EVBS' s 10-Year P/E(ttm) Range
Min: 9.32   Max: 79.17
Current: 14.2
9.32
79.17
P/B 0.30
EVBS's P/B is ranked higher than
84% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. EVBS: 0.30 )
EVBS' s 10-Year P/B Range
Min: 0.12   Max: 2.78
Current: 0.3
0.12
2.78
P/S 0.80
EVBS's P/S is ranked higher than
92% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. EVBS: 0.80 )
EVBS' s 10-Year P/S Range
Min: 0.25   Max: 5.44
Current: 0.8
0.25
5.44
PFCF 2.50
EVBS's PFCF is ranked higher than
78% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. EVBS: 2.50 )
EVBS' s 10-Year PFCF Range
Min: 0.78   Max: 77.47
Current: 2.5
0.78
77.47
EV-to-EBIT 37
EVBS's EV-to-EBIT is ranked lower than
83% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. EVBS: 37 )
EVBS' s 10-Year EV-to-EBIT Range
Min: 6.4   Max: 319.1
Current: 37
6.4
319.1
Shiller P/E 111.6
EVBS's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. EVBS: 111.6 )
EVBS' s 10-Year Shiller P/E Range
Min: 5.5   Max: 111.8
Current: 111.6
5.5
111.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.4
EVBS's Price/Tangible Book is ranked higher than
90% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. EVBS: 0.4 )
EVBS' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.8
Current: 0.4
0.2
2.8
Price/DCF (Projected) 0.2
EVBS's Price/DCF (Projected) is ranked higher than
94% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. EVBS: 0.2 )
EVBS' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1
Current: 0.2
0.1
1
Price/Median PS Value 0.3
EVBS's Price/Median PS Value is ranked higher than
96% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. EVBS: 0.3 )
EVBS' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.6
Current: 0.3
0.1
1.6
Price/Graham Number 0.4
EVBS's Price/Graham Number is ranked higher than
82% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. EVBS: 0.4 )
EVBS' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 1.6
Current: 0.4
0.2
1.6
Earnings Yield (Greenblatt) 2.70
EVBS's Earnings Yield (Greenblatt) is ranked lower than
68% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. EVBS: 2.70 )
EVBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 15.6
Current: 2.7
0.3
15.6
Forward Rate of Return (Yacktman) 25.14
EVBS's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. EVBS: 25.14 )
EVBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.6   Max: 83.1
Current: 25.14
2.6
83.1

Business Description

Eastern Virginia Bankshares, Inc. was incorporated in the State of Virginia. It is a bank holding company. Through its wholly-owned bank subsidiary, EVB, it operates approximately 23 full service branches 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 a broad range of personal and commercial banking services including commercial, consumer and real estate loans. It complements its lending operations with an array of retail and commercial deposit products and fee-based services. The Company's services are delivered locally by well-trained and experienced bankers, whom it empowers to make decisions at the local level, so they could provide timely lending decisions and respond promptly to customer inquiries. 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. Geographically, it has four primary market areas: Northern Neck, Middle Peninsula, Capital (suburbs of Richmond) and Southern. The Company's Northern Neck and Middle Peninsula regions are in the eastern coastal plain of Virginia, often referred to as River Country. According to the Virginia Economic Development Partnership, the region's industries have traditionally been associated with abundant natural resources that include five rivers and the Chesapeake Bay. The Company's Capital region is currently comprised of Hanover, Henrico, King William and Caroline 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. New Kent is one of the fastest growing counties in Virginia. It competes with both community banks and large regional banks in Caroline, Gloucester, Hanover, Henrico, Middlesex, Southampton, Surry and Sussex Counties and the city of Colonial Heights. It makes local construction and land acquisition and development loans. These loans are secured by residential houses and commercial real estate under construction and the underlying land associated with the project. Residential mortgage loans generally are made on the basis of the borrower's ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. Various types of commercial real estate in its market area include commercial buildings and offices, recreational facilities, small shopping centers and churches, and other secured commercial real estate loans. Residential one-to-four family mortgage loans comprise its total largest loan category. It offers various secured and unsecured consumer loans, including unsecured personal loans and lines of credit, automobile loans, boat loans, deposit account
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for EVBS

Headlines

Articles On GuruFocus.com
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 

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