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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 4.08
FBSS's Cash to Debt is ranked higher than
61% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. FBSS: 4.08 )
Ranked among companies with meaningful Cash to Debt only.
FBSS' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 4.08

Equity to Asset 0.09
FBSS's Equity to Asset is ranked lower than
58% of the 1285 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 10-Year Equity to Asset Range
Min: 0.07   Max: 0.1
Current: 0.09

0.07
0.1
Interest Coverage 2.41
FBSS's Interest Coverage is ranked higher than
61% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. FBSS: 2.41 )
Ranked among companies with meaningful Interest Coverage only.
FBSS' s 10-Year Interest Coverage Range
Min: 0.53   Max: 2.41
Current: 2.41

0.53
2.41
F-Score: 5
Z-Score: 0.26
WACC vs ROIC
5.74%
49.71%
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 (%) 22.34
FBSS's Operating margin (%) is ranked lower than
66% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. FBSS: 22.34 )
Ranked among companies with meaningful Operating margin (%) only.
FBSS' s 10-Year Operating margin (%) Range
Min: -199.42   Max: 34.66
Current: 22.34

-199.42
34.66
Net-margin (%) 17.66
FBSS's Net-margin (%) is ranked lower than
62% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. FBSS: 17.66 )
Ranked among companies with meaningful Net-margin (%) only.
FBSS' s 10-Year Net-margin (%) Range
Min: 7.52   Max: 88.7
Current: 17.66

7.52
88.7
ROE (%) 8.39
FBSS's ROE (%) is ranked higher than
51% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. FBSS: 8.39 )
Ranked among companies with meaningful ROE (%) only.
FBSS' s 10-Year ROE (%) Range
Min: 4.31   Max: 16.9
Current: 8.39

4.31
16.9
ROA (%) 0.76
FBSS's ROA (%) is ranked lower than
53% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FBSS: 0.76 )
Ranked among companies with meaningful ROA (%) only.
FBSS' s 10-Year ROA (%) Range
Min: 0.34   Max: 1.31
Current: 0.76

0.34
1.31
ROC (Joel Greenblatt) (%) 28.02
FBSS's ROC (Joel Greenblatt) (%) is ranked lower than
75% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. FBSS: 28.02 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FBSS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 16.33   Max: 135.9
Current: 28.02

16.33
135.9
Revenue Growth (3Y)(%) -3.40
FBSS's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FBSS: -3.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBSS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.4   Max: 86.2
Current: -3.4

-3.4
86.2
EBITDA Growth (3Y)(%) 3.00
FBSS's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBSS: 3.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBSS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.5   Max: 17.5
Current: 3

-17.5
17.5
EPS Growth (3Y)(%) 4.60
FBSS's EPS Growth (3Y)(%) is ranked lower than
61% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. FBSS: 4.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBSS' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.7   Max: 19.9
Current: 4.6

-16.7
19.9
» FBSS's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

FBSS Guru Trades in Q4 2014

Chuck Royce 301,000 sh (unchged)
Chuck Royce 301,000 sh (unchged)
» More
Q1 2015

FBSS Guru Trades in Q1 2015

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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.60
FBSS's P/E(ttm) is ranked higher than
54% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. FBSS: 13.60 )
Ranked among companies with meaningful P/E(ttm) only.
FBSS' s 10-Year P/E(ttm) Range
Min: 9.42   Max: 22.4
Current: 13.6

9.42
22.4
Forward P/E 15.95
FBSS's Forward P/E is ranked lower than
83% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. FBSS: 15.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.90
FBSS's PE(NRI) is ranked higher than
52% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. FBSS: 13.90 )
Ranked among companies with meaningful PE(NRI) only.
FBSS' s 10-Year PE(NRI) Range
Min: 9.42   Max: 22.32
Current: 13.9

9.42
22.32
P/B 1.10
FBSS's P/B is ranked higher than
54% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FBSS: 1.10 )
Ranked among companies with meaningful P/B only.
FBSS' s 10-Year P/B Range
Min: 0.82   Max: 2.79
Current: 1.1

0.82
2.79
P/S 2.43
FBSS's P/S is ranked higher than
64% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. FBSS: 2.43 )
Ranked among companies with meaningful P/S only.
FBSS' s 10-Year P/S Range
Min: 1.36   Max: 4.11
Current: 2.43

1.36
4.11
PFCF 18.70
FBSS's PFCF is ranked lower than
74% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. FBSS: 18.70 )
Ranked among companies with meaningful PFCF only.
FBSS' s 10-Year PFCF Range
Min: 4.47   Max: 215
Current: 18.7

4.47
215
POCF 10.67
FBSS's POCF is ranked lower than
58% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. FBSS: 10.67 )
Ranked among companies with meaningful POCF only.
FBSS' s 10-Year POCF Range
Min: 3.71   Max: 18.37
Current: 10.67

3.71
18.37
EV-to-EBIT 4.04
FBSS's EV-to-EBIT is ranked higher than
93% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. FBSS: 4.04 )
Ranked among companies with meaningful EV-to-EBIT only.
FBSS' s 10-Year EV-to-EBIT Range
Min: -1.4   Max: 21
Current: 4.04

-1.4
21
PEG 4.21
FBSS's PEG is ranked lower than
88% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FBSS: 4.21 )
Ranked among companies with meaningful PEG only.
FBSS' s 10-Year PEG Range
Min: 0.91   Max: 79.16
Current: 4.21

0.91
79.16
Shiller P/E 16.00
FBSS's Shiller P/E is ranked higher than
55% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. FBSS: 16.00 )
Ranked among companies with meaningful Shiller P/E only.
FBSS' s 10-Year Shiller P/E Range
Min: 6.56   Max: 21.5
Current: 16

6.56
21.5
Days Sales Outstanding 20.28
FBSS's Days Sales Outstanding is ranked higher than
80% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. FBSS: 20.28 )
Ranked among companies with meaningful Days Sales Outstanding only.
FBSS' s 10-Year Days Sales Outstanding Range
Min: 17.16   Max: 143.85
Current: 20.28

17.16
143.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
FBSS's Dividend Yield is ranked higher than
57% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FBSS: 2.87 )
Ranked among companies with meaningful Dividend Yield only.
FBSS' s 10-Year Dividend Yield Range
Min: 2.12   Max: 8.42
Current: 2.87

2.12
8.42
Dividend Payout 0.40
FBSS's Dividend Payout is ranked lower than
61% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FBSS: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
FBSS' s 10-Year Dividend Payout Range
Min: 0.26   Max: 6
Current: 0.4

0.26
6
Yield on cost (5-Year) 1.69
FBSS's Yield on cost (5-Year) is ranked lower than
75% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. FBSS: 1.69 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBSS' s 10-Year Yield on cost (5-Year) Range
Min: 1.24   Max: 4.92
Current: 1.69

1.24
4.92
Share Buyback Rate -0.60
FBSS's Share Buyback Rate is ranked higher than
60% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. FBSS: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
FBSS' s 10-Year Share Buyback Rate Range
Min: 2.5   Max: -1.2
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FBSS's Price/Tangible Book is ranked higher than
63% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FBSS: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
FBSS' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.75
Current: 1.1

0.84
2.75
Price/DCF (Projected) 0.80
FBSS's Price/DCF (Projected) is ranked lower than
54% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. FBSS: 0.80 )
Ranked among companies with meaningful Price/DCF (Projected) only.
FBSS' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.38
Current: 0.8

0.46
1.38
Price/Median PS Value 1.10
FBSS's Price/Median PS Value is ranked higher than
57% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FBSS: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
FBSS' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 1.88
Current: 1.1

0.65
1.88
Price/Graham Number 0.80
FBSS's Price/Graham Number is ranked higher than
66% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FBSS: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
FBSS' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.45
Current: 0.8

0.6
1.45
Earnings Yield (Greenblatt) 25.20
FBSS's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FBSS: 25.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
FBSS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 1215.8
Current: 25.2

4.8
1215.8
Forward Rate of Return (Yacktman) 11.12
FBSS's Forward Rate of Return (Yacktman) is ranked lower than
59% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. FBSS: 11.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
FBSS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.3   Max: 22.8
Current: 11.12

-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 

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