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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 : 7/10

vs
industry
vs
history
Cash to Debt 3.98
FBSS's Cash to Debt is ranked higher than
83% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FBSS: 3.98 )
FBSS' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 3.98

Equity to Asset 0.09
FBSS's Equity to Asset is ranked higher than
62% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FBSS: 0.09 )
FBSS' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.09

0.07
0.1
Interest Coverage 1.89
FBSS's Interest Coverage is ranked higher than
75% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FBSS: 1.89 )
FBSS' s 10-Year Interest Coverage Range
Min: 0.53   Max: 1.89
Current: 1.89

0.53
1.89
F-Score: 5
Z-Score: 0.28
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 : 6/10

vs
industry
vs
history
Operating margin (%) 25.06
FBSS's Operating margin (%) is ranked higher than
69% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. FBSS: 25.06 )
FBSS' s 10-Year Operating margin (%) Range
Min: -199.42   Max: 34.66
Current: 25.06

-199.42
34.66
Net-margin (%) 19.07
FBSS's Net-margin (%) is ranked higher than
71% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FBSS: 19.07 )
FBSS' s 10-Year Net-margin (%) Range
Min: 7.52   Max: 88.7
Current: 19.07

7.52
88.7
ROE (%) 9.69
FBSS's ROE (%) is ranked higher than
80% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FBSS: 9.69 )
FBSS' s 10-Year ROE (%) Range
Min: 4.31   Max: 16.9
Current: 9.69

4.31
16.9
ROA (%) 0.84
FBSS's ROA (%) is ranked higher than
75% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FBSS: 0.84 )
FBSS' s 10-Year ROA (%) Range
Min: 0.34   Max: 1.31
Current: 0.84

0.34
1.31
ROC (Joel Greenblatt) (%) 36.47
FBSS's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FBSS: 36.47 )
FBSS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 16.33   Max: 135.9
Current: 36.47

16.33
135.9
Revenue Growth (3Y)(%) -1.20
FBSS's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FBSS: -1.20 )
FBSS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.2   Max: 86.2
Current: -1.2

-1.2
86.2
EBITDA Growth (3Y)(%) 3.70
FBSS's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FBSS: 3.70 )
FBSS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.5   Max: 17.5
Current: 3.7

-17.5
17.5
EPS Growth (3Y)(%) 4.70
FBSS's EPS Growth (3Y)(%) is ranked higher than
70% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FBSS: 4.70 )
FBSS' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.7   Max: 19.9
Current: 4.7

-16.7
19.9
» FBSS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

FBSS Guru Trades in Q4 2013

Chuck Royce 301,000 sh (unchged)
» More
Q1 2014

FBSS Guru Trades in Q1 2014

Chuck Royce 301,000 sh (unchged)
» More
Q2 2014

FBSS Guru Trades in Q2 2014

Chuck Royce 301,000 sh (unchged)
» More
Q3 2014

FBSS Guru Trades in Q3 2014

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

Insider Trades

Latest Guru Trades with FBSS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.50
FBSS's P/E(ttm) is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. FBSS: 14.50 )
FBSS' s 10-Year P/E(ttm) Range
Min: 9.42   Max: 22.4
Current: 14.5

9.42
22.4
P/B 1.30
FBSS's P/B is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FBSS: 1.30 )
FBSS' s 10-Year P/B Range
Min: 0.82   Max: 2.79
Current: 1.3

0.82
2.79
P/S 2.80
FBSS's P/S is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FBSS: 2.80 )
FBSS' s 10-Year P/S Range
Min: 1.36   Max: 4.12
Current: 2.8

1.36
4.12
PFCF 217.80
FBSS's PFCF is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBSS: 217.80 )
FBSS' s 10-Year PFCF Range
Min: 4.47   Max: 238.89
Current: 217.8

4.47
238.89
EV-to-EBIT 5.13
FBSS's EV-to-EBIT is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. FBSS: 5.13 )
FBSS' s 10-Year EV-to-EBIT Range
Min: -1.4   Max: 21
Current: 5.13

-1.4
21
Shiller P/E 18.80
FBSS's Shiller P/E is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBSS: 18.80 )
FBSS' s 10-Year Shiller P/E Range
Min: 6.56   Max: 21.5
Current: 18.8

6.56
21.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
FBSS's Dividend Yield is ranked higher than
54% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. FBSS: 2.50 )
FBSS' s 10-Year Dividend Yield Range
Min: 2.06   Max: 8.42
Current: 2.5

2.06
8.42
Dividend Payout 0.36
FBSS's Dividend Payout is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FBSS: 0.36 )
FBSS' s 10-Year Dividend Payout Range
Min: 0.26   Max: 6
Current: 0.36

0.26
6
Dividend growth (3y) -12.60
FBSS's Dividend growth (3y) is ranked higher than
62% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FBSS: -12.60 )
FBSS' s 10-Year Dividend growth (3y) Range
Min: -15.7   Max: 16.3
Current: -12.6

-15.7
16.3
Yield on cost (5-Year) 1.22
FBSS's Yield on cost (5-Year) is ranked lower than
74% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. FBSS: 1.22 )
FBSS' s 10-Year Yield on cost (5-Year) Range
Min: 1.01   Max: 4.12
Current: 1.22

1.01
4.12
Share Buyback Rate -0.80
FBSS's Share Buyback Rate is ranked higher than
77% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FBSS: -0.80 )
FBSS' s 10-Year Share Buyback Rate Range
Min: 2.5   Max: -1.2
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
FBSS's Price/Tangible Book is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FBSS: 1.30 )
FBSS' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.75
Current: 1.3

0.84
2.75
Price/DCF (Projected) 0.90
FBSS's Price/DCF (Projected) is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. FBSS: 0.90 )
FBSS' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.38
Current: 0.9

0.46
1.38
Price/Median PS Value 1.30
FBSS's Price/Median PS Value is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FBSS: 1.30 )
FBSS' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 1.89
Current: 1.3

0.65
1.89
Price/Graham Number 0.90
FBSS's Price/Graham Number is ranked higher than
81% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FBSS: 0.90 )
FBSS' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.45
Current: 0.9

0.6
1.45
Earnings Yield (Greenblatt) 19.50
FBSS's Earnings Yield (Greenblatt) is ranked higher than
95% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FBSS: 19.50 )
FBSS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 1215.8
Current: 19.5

4.8
1215.8
Forward Rate of Return (Yacktman) 6.91
FBSS's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FBSS: 6.91 )
FBSS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.3   Max: 22.8
Current: 6.91

-7.3
22.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for FBSS

Headlines

Articles On GuruFocus.com
comment on FBSS Apr 03 2012 
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. Declares Quarterly Dividend Aug 21 2009 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Aug 07 2009 
Fauquier Bankshares Announces Second Quarter 2009 Earnings Aug 03 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, Other Events, Financial Statements and Exhibits Dec 22 2014
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