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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 3.25
FBSS's Cash to Debt is ranked higher than
50% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. FBSS: 3.25 )
Ranked among companies with meaningful Cash to Debt only.
FBSS' s Cash to Debt Range Over the Past 10 Years
Min: 0.18  Med: 1.00 Max: No Debt
Current: 3.25
Equity to Asset 0.09
FBSS's Equity to Asset is ranked lower than
60% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBSS: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FBSS' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.09
0.07
0.1
F-Score: 3
M-Score: -2.63
WACC vs ROIC
5.36%
-3.44%
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 (%) -8.54
FBSS's Operating margin (%) is ranked lower than
94% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. FBSS: -8.54 )
Ranked among companies with meaningful Operating margin (%) only.
FBSS' s Operating margin (%) Range Over the Past 10 Years
Min: -7.79  Med: 19.80 Max: 32.17
Current: -8.54
-7.79
32.17
Net-margin (%) -2.85
FBSS's Net-margin (%) is ranked lower than
94% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. FBSS: -2.85 )
Ranked among companies with meaningful Net-margin (%) only.
FBSS' s Net-margin (%) Range Over the Past 10 Years
Min: -2.34  Med: 14.54 Max: 22.35
Current: -2.85
-2.34
22.35
ROE (%) -1.36
FBSS's ROE (%) is ranked lower than
93% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. FBSS: -1.36 )
Ranked among companies with meaningful ROE (%) only.
FBSS' s ROE (%) Range Over the Past 10 Years
Min: -1.14  Med: 8.76 Max: 15.12
Current: -1.36
-1.14
15.12
ROA (%) -0.13
FBSS's ROA (%) is ranked lower than
93% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FBSS: -0.13 )
Ranked among companies with meaningful ROA (%) only.
FBSS' s ROA (%) Range Over the Past 10 Years
Min: -0.1  Med: 0.70 Max: 1.12
Current: -0.13
-0.1
1.12
Revenue Growth (3Y)(%) -1.70
FBSS's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FBSS: -1.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBSS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.4  Med: 2.70 Max: 85.9
Current: -1.7
-3.4
85.9
» FBSS's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-04)


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

» Details

Guru Trades

Q2 2015

FBSS Guru Trades in Q2 2015

Chuck Royce 301,000 sh (unchged)
» More
Q3 2015

FBSS Guru Trades in Q3 2015

Chuck Royce 301,000 sh (unchged)
» More
Q4 2015

FBSS Guru Trades in Q4 2015

Chuck Royce 301,000 sh (unchged)
» More
Q1 2016

FBSS Guru Trades in Q1 2016

Chuck Royce 301,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with FBSS

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:MGYR, NAS:BYBK, NAS:WBKC, NAS:SBFG, OTCPK:JFBC, NAS:BOTJ, NAS:USBI, NAS:CZWI, OTCPK:FABK, OTCPK:VABK, NAS:PFBX, NAS:UBCP, OTCPK:CNAF, OTCPK:FDVA, NAS:PNBK, NAS:ASRV, OTCPK:NWYF, NAS:EMCF, OTCPK:BNCC, OTCBB:DCBF » details
Fauquier Bankshares Inc is a holding company for The Fauquier Bank and Fauquier Statutory Trust II. It provides commercial, financial, agricultural, and residential and consumer loans to customers mainly in Virginia.

Fauquier Bankshares Inc was incorporated under the laws of the Commonwealth of Virginia on January 13, 1984. It is the holding company of The Fauquier Bank ("the Bank") and Fauquier Statutory Trust II (Trust II). The Bank provides commercial, financial, agricultural, and residential and consumer loans to customers mainly in Virginia. The loan portfolio is collateralized by assets of the customers. The Bank provides consumer and commercial banking services to individuals, businesses and industries. The basic services offered by the Bank include: demand interest bearing and non-interest bearing accounts, money market deposit accounts, NOW accounts, time deposits, safe deposit services, credit cards, cash management, direct deposits, notary services, night depository, travel and gift cards, cashier's checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, internet banking, telephone banking, and banking by mail. In addition, the Bank makes secured and unsecured commercial and real estate loans, issues stand-by letters of credit and grants available credit for installment, unsecured and secured personal loans, residential mortgages and home equity loans, as well as automobile and other types of consumer financing. The Bank provides automated teller machine (ATM) cards, as a part of the Star, NYCE, and Plus ATM networks, thereby permitting customers to utilize the convenience of larger ATM networks. The Bank operates a Wealth Management Services (WMS). The WMS division provides personalized services that include investment management, trust, estate settlement, retirement, insurance, and brokerage services. The Bank offers lending services, including real estate, consumer and commercial loans, to individuals as well as small-to-medium sized businesses and other organizations that are located in or conduct a substantial portion of their business in the Bank's market area. It invests a portion of its assets in U.S. Government-sponsored corporation and agency obligations, state, county and municipal obligations, corporate obligations, mutual funds, FHLB stock and equity securities. The Company has identified the following as loan segments and classes: commercial and industrial, commercial real estate, construction and land, residential real estate, home equity lines of credit, student and consumer. The Company encounters strong competition both in making loans and in attracting deposits.

Ratios

vs
industry
vs
history
P/B 1.05
FBSS's P/B is ranked higher than
50% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FBSS: 1.05 )
Ranked among companies with meaningful P/B only.
FBSS' s P/B Range Over the Past 10 Years
Min: 0.82  Med: 1.11 Max: 2.76
Current: 1.05
0.82
2.76
P/S 2.13
FBSS's P/S is ranked higher than
67% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. FBSS: 2.13 )
Ranked among companies with meaningful P/S only.
FBSS' s P/S Range Over the Past 10 Years
Min: 1.36  Med: 2.14 Max: 4.09
Current: 2.13
1.36
4.09
PFCF 8.99
FBSS's PFCF is ranked higher than
57% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. FBSS: 8.99 )
Ranked among companies with meaningful PFCF only.
FBSS' s PFCF Range Over the Past 10 Years
Min: 4.48  Med: 10.24 Max: 154.68
Current: 8.99
4.48
154.68
POCF 8.01
FBSS's POCF is ranked higher than
54% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. FBSS: 8.01 )
Ranked among companies with meaningful POCF only.
FBSS' s POCF Range Over the Past 10 Years
Min: 3.7  Med: 8.10 Max: 18.63
Current: 8.01
3.7
18.63
Shiller P/E 14.03
FBSS's Shiller P/E is ranked higher than
70% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. FBSS: 14.03 )
Ranked among companies with meaningful Shiller P/E only.
FBSS' s Shiller P/E Range Over the Past 10 Years
Min: 7.69  Med: 10.12 Max: 16.41
Current: 14.03
7.69
16.41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.23
FBSS's Dividend Yield is ranked higher than
54% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FBSS: 3.23 )
Ranked among companies with meaningful Dividend Yield only.
FBSS' s Dividend Yield Range Over the Past 10 Years
Min: 2.23  Med: 3.79 Max: 8.42
Current: 3.23
2.23
8.42
Forward Dividend Yield 3.23
FBSS's Forward Dividend Yield is ranked higher than
51% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FBSS: 3.23 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.42
FBSS's Yield on cost (5-Year) is ranked lower than
67% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. FBSS: 2.42 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBSS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.67  Med: 2.84 Max: 6.31
Current: 2.42
1.67
6.31
3-Year Average Share Buyback Ratio -0.40
FBSS's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FBSS: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBSS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.7  Med: -0.90 Max: 3.7
Current: -0.4
-1.7
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.05
FBSS's Price/Tangible Book is ranked higher than
55% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FBSS: 1.05 )
Ranked among companies with meaningful Price/Tangible Book only.
FBSS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.29 Max: 2.75
Current: 1.05
0.84
2.75
Price/Projected FCF 0.60
FBSS's Price/Projected FCF is ranked higher than
60% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FBSS: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
FBSS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.65 Max: 1.61
Current: 0.6
0.46
1.61
Price/Median PS Value 0.99
FBSS's Price/Median PS Value is ranked higher than
53% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FBSS: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
FBSS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.66  Med: 1.09 Max: 1.92
Current: 0.99
0.66
1.92
Earnings Yield (Greenblatt) (%) -13.00
FBSS's Earnings Yield (Greenblatt) (%) is ranked lower than
97% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FBSS: -13.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBSS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -13  Med: 8.50 Max: 1580.5
Current: -13
-13
1580.5
Forward Rate of Return (Yacktman) (%) 13.46
FBSS's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. FBSS: 13.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBSS' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6.4  Med: 5.90 Max: 18.2
Current: 13.46
-6.4
18.2

More Statistics

Revenue (TTM) (Mil) $26.26
EPS (TTM) $ -0.20
Beta0.42
Short Percentage of Float0.07%
52-Week Range $13.47 - 16.00
Shares Outstanding (Mil)3.76
» More Articles for FBSS

Headlines

Articles On GuruFocus.com
Fauquier Bankshares Inc. Reports Operating Results (10-K) Mar 11 2011 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Aug 09 2010 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) May 10 2010 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Aug 07 2009 
Fauquier Bankshares Inc. (FBSS) CFO Eric Peter Graap buys 1,500 Shares May 13 2009 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 30 2016
The Fauquier Bank Welcomes New Chief Operating Officer Jun 30 2016
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jun 27 2016
Fauquier Bankshares Announces Retirement of Current Chief Financial Officer and Appointment of New... Jun 27 2016
Fauquier Bankshares Announces Retirement of Current Chief Financial Officer and Appointment of New... Jun 27 2016
FAUQUIER BANKSHARES, INC. Files SEC form 8-K/A, Change in Directors or Principal Officers, Financial... Jun 07 2016
FAUQUIER BANKSHARES, INC. Financials May 21 2016
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 18 2016
Fauquier Bankshares, Inc. Declares Quarterly Dividend May 17 2016
Fauquier Bankshares, Inc. Declares Quarterly Dividend May 17 2016
FAUQUIER BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report May 13 2016
Fauquier Bankshares, Inc. :FBSS-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... May 02 2016
Fauquier Bankshares Announces First Quarter 2016 Earnings May 02 2016
Fauquier Bankshares Announces First Quarter 2016 Earnings May 02 2016
FAUQUIER BANKSHARES, INC. Files SEC form 10-K, Annual Report Mar 18 2016
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 22 2016
Fauquier Bankshares, Inc. Declares Quarterly Dividend Feb 19 2016
Fauquier Bankshares Names New President and Chief Executive Officer Feb 18 2016
Fauquier Bankshares, Inc. Earnings Analysis: 2015 By the Numbers Feb 11 2016

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