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7.95 (1y: -37%)
Market Cap 174.32 M P/E(ttm)
Enterprise Value 289.34 M P/B 1.80
FNBN- NAS (USA)
FNB United Corp
  • 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
$7.95
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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 : 4/10

vs
industry		 vs
history
Cash to Debt 2.083
FNBN's Cash to Debt is ranked higher than
79% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. FNBN: 2.083 )
FNBN' s 10-Year Cash to Debt Range
Min: 0.08   Max: 4.81
Current: 2.08
0.08
4.81
Equity to Asset 0.046
FNBN's Equity to Asset is ranked lower than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNBN: 0.046 )
FNBN' s 10-Year Equity to Asset Range
Min: -0.01   Max: 0.11
Current: 0.05
-0.01
0.11
Interest Coverage No Debt
FNBN's Interest Coverage is ranked lower than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FNBN: No Debt )
FNBN' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 1
Z-Score: -0.11
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 (%) -49.30
FNBN's Operating margin (%) is ranked lower than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. FNBN: -49.30 )
FNBN' s 10-Year Operating margin (%) Range
Min: -212.7   Max: 35.2
Current: -49.3
-212.7
35.2
Net-margin (%) -48.1
FNBN's Net-margin (%) is ranked lower than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. FNBN: -48.1 )
FNBN' s 10-Year Net-margin (%) Range
Min: -223.2   Max: 25.2
Current: -48.1
-223.2
25.2
ROE (%) -40.6
FNBN's ROE (%) is ranked lower than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FNBN: -40.6 )
FNBN' s 10-Year ROE (%) Range
Min: -106.4   Max: 13.1
Current: -40.6
-106.4
13.1
ROA (%) -1.9
FNBN's ROA (%) is ranked lower than
69% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FNBN: -1.9 )
FNBN' s 10-Year ROA (%) Range
Min: -5.9   Max: 1.2
Current: -1.9
-5.9
1.2
Revenue Growth (%) -73
FNBN's Revenue Growth (%) is ranked lower than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBN: -73 )
FNBN' s 10-Year Revenue Growth (%) Range
Min: -73   Max: 8.3
Current: -73
-73
8.3
EBITDA Growth (%) -78.5
FNBN's EBITDA Growth (%) is ranked lower than
69% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBN: -78.5 )
FNBN' s 10-Year EBITDA Growth (%) Range
Min: -78.5   Max: 16.1
Current: -78.5
-78.5
16.1
EPS Growth (%) -78.7
FNBN's EPS Growth (%) is ranked lower than
69% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBN: -78.7 )
FNBN' s 10-Year EPS Growth (%) Range
Min: -78.7   Max: 20
Current: -78.7
-78.7
20
» FNBN's 10-Y Financials

Financials


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

» Details

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Latest Guru Trades with FNBN



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Peter Lynch Chart

Top Ranked Articles about FNB United Corp

Insider Cluster Buys Reported at 52-Week Lows
May 14, 2013
- Insider Cluster Buys Reported At 52-Week Lows
In the past week, three different companies reported insider cluster buys involving three or more corporate executives. The following three companies are also nearing or sitting at their 52-week lows in price. Read more...
Weekly CFO Buys Highlight: FNBN, PTEK, VNR, DNR
January 7, 2013
According to GuruFocus Insider Data, these are the largest CFO buys during the past week. The overall trend of CFOs is illustrated in the chart below: Read more...

Ratios

vs
industry		 vs
history
P/B 1.80
FNBN's P/B is ranked lower than
63% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FNBN: 1.80 )
FNBN' s 10-Year P/B Range
Min: 0.13   Max: 5.24
Current: 1.8
0.13
5.24
P/S 1.99
FNBN's P/S is ranked higher than
70% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. FNBN: 1.99 )
FNBN' s 10-Year P/S Range
Min: 0.02   Max: 4.69
Current: 1.99
0.02
4.69
EV-to-EBIT 166.7
FNBN's EV-to-EBIT is ranked lower than
89% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. FNBN: 166.7 )
FNBN' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 118.7
Current: 166.7
7.6
118.7
Shiller P/E 2.3
FNBN's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. FNBN: 2.3 )
FNBN' s 10-Year Shiller P/E Range
Min: 2.3   Max: 44.78
Current: 2.3
2.3
44.78

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 2
FNBN's Price/Tangible Book is ranked lower than
61% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNBN: 2 )
FNBN' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 2.9
Current: 2
0.3
2.9
Price/DCF (Projected) 1
FNBN's Price/DCF (Projected) is ranked lower than
60% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FNBN: 1 )
FNBN' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.3
Current: 1
0.1
1.3
Price/Median PS Value 0.9
FNBN's Price/Median PS Value is ranked higher than
71% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNBN: 0.9 )
FNBN' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.4
Current: 0.9
0.1
1.4
Earnings Yield (Greenblatt) 0.60
FNBN's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. FNBN: 0.60 )
FNBN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 13.1
Current: 0.6
0.6
13.1
Forward Rate of Return (Yacktman) 1560.25
FNBN's Forward Rate of Return (Yacktman) is ranked higher than
100% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBN: 1560.25 )
FNBN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.9   Max: 90.7
Current: 1560.25
16.9
90.7

Business Description

FNB United Corp. was incorporated under the laws of the State of North Carolina in 1984. It is a bank holding company with two bank subsidiaries: CommunityOne Bank, N.A., a national banking association headquartered in Asheboro, North Carolina and, through Bank of Granite Corporation, Bank of Granite, a state chartered bank headquartered in Granite Falls, North Carolina. As of December 31, 2011 CommunityOne had 45 branches, $843.9 million in loans and $1.4 billion in deposits. As of December 31, 2011 Granite had 18 branches, $373.9 million in loans and $688.5 million in deposits. Through its bank subsidiaries, the Company offers a complete line of consumer, mortgage and business banking services, including loan, deposit, cash management, investment management and trust services, to individual and business customers through operations located in Alamance, Alexander, Ashe, Burke, Caldwell, Catawba, Chatham, Gaston, Guilford, Iredell, Mecklenburg, Montgomery, Moore, Orange, Randolph, Richmond, Rowan, Scotland, Watauga and Wilkes counties in North Carolina. CommunityOne and Granite compete with other local, regional and national financial service providers, including other bank and financial holding companies, commercial banks, savings institutions, credit unions, finance companies and brokerage and insurance firms. The Company is subject to regulation under the Bank Holding Company Act of 1956, as amended, and to inspection, examination and supervision by the Federal Reserve Board.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» More Articles for FNBN

Headlines

Articles On GuruFocus.com
Insider Trends in the Financial Services Sector May 23 2013 
Insider Cluster Buys Reported at 52-Week Lows May 14 2013 
Insider buying Mar 18 2013 
New Feature – Stocks at 3-Year Highs, 3-Year Lows, 5-Year Highs and 5-Year Lows Jan 23 2013 
Weekly CFO Buys Highlight: FNBN, PTEK, VNR, DNR Jan 07 2013 
FNB United Corp. Reports Operating Results (10-K) Mar 14 2011 
FNB United Corp. Reports Operating Results (10-Q) May 17 2010 
FNB United Corp. Reports Operating Results (10-Q) Nov 06 2009 
FNB United Corp. Reports Operating Results (10-Q) May 08 2009 
FNB United Corp. Announces Fourth Quarter Operating Results Jan 29 2009 

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