Switch to:

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 4.49
FBSS's Cash to Debt is ranked higher than
84% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. FBSS: 4.49 )
FBSS' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 4.49

Equity to Asset 0.09
FBSS's Equity to Asset is ranked higher than
65% of the 1732 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 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 0.26
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 (%) 24.22
FBSS's Operating margin (%) is ranked higher than
68% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. FBSS: 24.22 )
FBSS' s 10-Year Operating margin (%) Range
Min: -199.42   Max: 34.66
Current: 24.22

-199.42
34.66
Net-margin (%) 18.08
FBSS's Net-margin (%) is ranked higher than
69% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. FBSS: 18.08 )
FBSS' s 10-Year Net-margin (%) Range
Min: 7.52   Max: 88.7
Current: 18.08

7.52
88.7
ROE (%) 9.43
FBSS's ROE (%) is ranked higher than
80% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FBSS: 9.43 )
FBSS' s 10-Year ROE (%) Range
Min: 4.31   Max: 16.9
Current: 9.43

4.31
16.9
ROA (%) 0.80
FBSS's ROA (%) is ranked higher than
76% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FBSS: 0.80 )
FBSS' s 10-Year ROA (%) Range
Min: 0.34   Max: 1.31
Current: 0.8

0.34
1.31
ROC (Joel Greenblatt) (%) 37.83
FBSS's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. FBSS: 37.83 )
FBSS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 16.33   Max: 135.9
Current: 37.83

16.33
135.9
Revenue Growth (%) -1.20
FBSS's Revenue Growth (%) is ranked higher than
69% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. FBSS: -1.20 )
FBSS' s 10-Year Revenue Growth (%) Range
Min: -1.2   Max: 86.2
Current: -1.2

-1.2
86.2
EBITDA Growth (%) 3.70
FBSS's EBITDA Growth (%) is ranked higher than
70% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FBSS: 3.70 )
FBSS' s 10-Year EBITDA Growth (%) Range
Min: -17.5   Max: 17.5
Current: 3.7

-17.5
17.5
EPS Growth (%) 4.70
FBSS's EPS Growth (%) is ranked higher than
70% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FBSS: 4.70 )
FBSS' s 10-Year EPS Growth (%) 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

Q3 2013

FBSS Guru Trades in Q3 2013

Chuck Royce 301,000 sh (unchged)
» More
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
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
FBSS's P/E(ttm) is ranked higher than
78% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. FBSS: 12.80 )
FBSS' s 10-Year P/E(ttm) Range
Min: 9.42   Max: 22.4
Current: 12.8

9.42
22.4
P/B 1.15
FBSS's P/B is ranked higher than
69% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FBSS: 1.15 )
FBSS' s 10-Year P/B Range
Min: 0.82   Max: 2.92
Current: 1.15

0.82
2.92
P/S 2.33
FBSS's P/S is ranked higher than
80% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FBSS: 2.33 )
FBSS' s 10-Year P/S Range
Min: 1.36   Max: 4.36
Current: 2.33

1.36
4.36
PFCF 33.67
FBSS's PFCF is ranked lower than
57% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. FBSS: 33.67 )
FBSS' s 10-Year PFCF Range
Min: 4.47   Max: 43
Current: 33.67

4.47
43
EV-to-EBIT 1.95
FBSS's EV-to-EBIT is ranked higher than
99% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. FBSS: 1.95 )
FBSS' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 21
Current: 1.95

0.1
21
Shiller P/E 15.91
FBSS's Shiller P/E is ranked higher than
78% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. FBSS: 15.91 )
FBSS' s 10-Year Shiller P/E Range
Min: 6.55   Max: 21.66
Current: 15.91

6.55
21.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.91
FBSS's Dividend Yield is ranked higher than
63% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. FBSS: 2.91 )
FBSS' s 10-Year Dividend Yield Range
Min: 1.91   Max: 8.42
Current: 2.91

1.91
8.42
Dividend Payout 0.37
FBSS's Dividend Payout is ranked higher than
70% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. FBSS: 0.37 )
FBSS' s 10-Year Dividend Payout Range
Min: 0.26   Max: 6
Current: 0.37

0.26
6
Dividend growth (3y) -12.60
FBSS's Dividend growth (3y) is ranked higher than
62% of the 1033 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) 1.42
FBSS's Yield on cost (5-Year) is ranked lower than
71% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FBSS: 1.42 )
FBSS' s 10-Year Yield on cost (5-Year) Range
Min: 0.94   Max: 4.12
Current: 1.42

0.94
4.12
Share Buyback Rate -0.80
FBSS's Share Buyback Rate is ranked higher than
78% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.15
FBSS's Price/Tangible Book is ranked higher than
79% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FBSS: 1.15 )
FBSS' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.75
Current: 1.15

0.84
2.75
Price/DCF (Projected) 0.78
FBSS's Price/DCF (Projected) is ranked higher than
63% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FBSS: 0.78 )
FBSS' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 1.15
Current: 0.78

0.42
1.15
Price/Median PS Value 1.06
FBSS's Price/Median PS Value is ranked higher than
79% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FBSS: 1.06 )
FBSS' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 1.88
Current: 1.06

0.65
1.88
Price/Graham Number 0.81
FBSS's Price/Graham Number is ranked higher than
78% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FBSS: 0.81 )
FBSS' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.45
Current: 0.81

0.6
1.45
Earnings Yield (Greenblatt) 51.30
FBSS's Earnings Yield (Greenblatt) is ranked higher than
99% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FBSS: 51.30 )
FBSS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.8   Max: 1215.8
Current: 51.3

4.8
1215.8
Forward Rate of Return (Yacktman) 5.20
FBSS's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. FBSS: 5.20 )
FBSS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.4   Max: 23.7
Current: 5.2

-6.4
23.7

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, Fauquier Statutory Trust I (Trust I) 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 deposits of the Bank are insured up to applicable limits by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation (FDIC). 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) division that began with the granting of trust powers to the Bank in 1919. 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 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. Financials Aug 22 2014
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 22 2014
Fauquier Bankshares, Inc. Declares Quarterly Dividend Aug 22 2014
FAUQUIER BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report Aug 14 2014
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 31 2014
Fauquier Bankshares Announces Second Quarter 2014 Earnings Jul 30 2014
Fauquier Bank Hires New Senior Executive for Commercial and Government Lending in Prince William... Jun 23 2014
Fauquier Bank Opens New Branch in Gainesville, Virginia Jun 18 2014
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 21 2014
Fauquier Bankshares, Inc. Declares Quarterly Dividend May 20 2014
FAUQUIER BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report May 14 2014
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... May 07 2014
Fauquier Bankshares Announces First Quarter 2014 Earnings May 06 2014
FAUQUIER BANKSHARES, INC. Files SEC form 10-K, Annual Report Mar 20 2014
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers Feb 26 2014
Fauquier Bankshares, Inc. Declares Quarterly Dividend Feb 21 2014
Fauquier Bankshares, Inc. Declares Quarterly Dividend Feb 21 2014
FAUQUIER BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 06 2014
Fauquier Bankshares Announces Fourth Quarter and Year End 2013 Results Feb 05 2014
Fauquier Bankshares Announces Fourth Quarter and Year End 2013 Results Feb 05 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK