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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 5.44
FSBK's Cash to Debt is ranked higher than
82% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. FSBK: 5.44 )
FSBK' s 10-Year Cash to Debt Range
Min: 0.43   Max: 7.23
Current: 5.44

0.43
7.23
Equity to Asset 0.09
FSBK's Equity to Asset is ranked higher than
66% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FSBK: 0.09 )
FSBK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.23
Current: 0.09

0.08
0.23
Interest Coverage 1.98
FSBK's Interest Coverage is ranked higher than
76% of the 2175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FSBK: 1.98 )
FSBK' s 10-Year Interest Coverage Range
Min: 0.32   Max: 3.2
Current: 1.98

0.32
3.2
F-Score: 5
Z-Score: 0.19
WACC vs ROIC
5.57%
4.94%
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 (%) 13.28
FSBK's Operating margin (%) is ranked higher than
55% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.48 vs. FSBK: 13.28 )
FSBK' s 10-Year Operating margin (%) Range
Min: -44.5   Max: 54.98
Current: 13.28

-44.5
54.98
Net-margin (%) 9.48
FSBK's Net-margin (%) is ranked higher than
54% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.33 vs. FSBK: 9.48 )
FSBK' s 10-Year Net-margin (%) Range
Min: -26.96   Max: 33.44
Current: 9.48

-26.96
33.44
ROE (%) 4.39
FSBK's ROE (%) is ranked higher than
58% of the 2380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.85 vs. FSBK: 4.39 )
FSBK' s 10-Year ROE (%) Range
Min: -13.83   Max: 23.39
Current: 4.39

-13.83
23.39
ROA (%) 0.45
FSBK's ROA (%) is ranked higher than
60% of the 2384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. FSBK: 0.45 )
FSBK' s 10-Year ROA (%) Range
Min: -1.51   Max: 1.97
Current: 0.45

-1.51
1.97
ROC (Joel Greenblatt) (%) 36.56
FSBK's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 86.24 vs. FSBK: 36.56 )
FSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -151.51   Max: 318.84
Current: 36.56

-151.51
318.84
Revenue Growth (3Y)(%) -4.90
FSBK's Revenue Growth (3Y)(%) is ranked higher than
59% of the 2043 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. FSBK: -4.90 )
FSBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.9   Max: 55
Current: -4.9

-5.9
55
EBITDA Growth (3Y)(%) 23.70
FSBK's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1846 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. FSBK: 23.70 )
FSBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -42.2   Max: 49.1
Current: 23.7

-42.2
49.1
EPS Growth (3Y)(%) 35.70
FSBK's EPS Growth (3Y)(%) is ranked higher than
93% of the 1864 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. FSBK: 35.70 )
FSBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.7   Max: 51.6
Current: 35.7

-47.7
51.6
» FSBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

FSBK Guru Trades in Q1 2014

Jim Simons 66,600 sh (+11.93%)
Arnold Schneider 17,666 sh (unchged)
» More
Q2 2014

FSBK Guru Trades in Q2 2014

Jim Simons 70,800 sh (+6.31%)
Arnold Schneider 16,466 sh (-6.79%)
» More
Q3 2014

FSBK Guru Trades in Q3 2014

Jim Simons 75,600 sh (+6.78%)
Arnold Schneider 16,466 sh (unchged)
» More
Q4 2014

FSBK Guru Trades in Q4 2014

Jim Simons 81,200 sh (+7.41%)
Arnold Schneider 13,866 sh (-15.79%)
» More
» Details

Insider Trades

Latest Guru Trades with FSBK

(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) 20.80
FSBK's P/E(ttm) is ranked higher than
66% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. FSBK: 20.80 )
FSBK' s 10-Year P/E(ttm) Range
Min: 5.36   Max: 28.19
Current: 20.8

5.36
28.19
Forward P/E 11.45
FSBK's Forward P/E is ranked higher than
84% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FSBK: 11.45 )
N/A
PE(NRI) 21.20
FSBK's PE(NRI) is ranked higher than
71% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.70 vs. FSBK: 21.20 )
FSBK' s 10-Year PE(NRI) Range
Min: 5.38   Max: 27.31
Current: 21.2

5.38
27.31
P/B 1.00
FSBK's P/B is ranked higher than
80% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. FSBK: 1.00 )
FSBK' s 10-Year P/B Range
Min: 0.37   Max: 4.6
Current: 1

0.37
4.6
P/S 2.30
FSBK's P/S is ranked higher than
79% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.68 vs. FSBK: 2.30 )
FSBK' s 10-Year P/S Range
Min: 0.76   Max: 10.4
Current: 2.3

0.76
10.4
PFCF 12.50
FSBK's PFCF is ranked higher than
80% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FSBK: 12.50 )
FSBK' s 10-Year PFCF Range
Min: 1.32   Max: 52.92
Current: 12.5

1.32
52.92
POCF 8.88
FSBK's POCF is ranked higher than
86% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 81.00 vs. FSBK: 8.88 )
FSBK' s 10-Year POCF Range
Min: 1.3   Max: 48.78
Current: 8.88

1.3
48.78
EV-to-EBIT 6.21
FSBK's EV-to-EBIT is ranked higher than
95% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.40 vs. FSBK: 6.21 )
FSBK' s 10-Year EV-to-EBIT Range
Min: -12.9   Max: 26.5
Current: 6.21

-12.9
26.5
Shiller P/E 88.50
FSBK's Shiller P/E is ranked higher than
77% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FSBK: 88.50 )
FSBK' s 10-Year Shiller P/E Range
Min: 3.24   Max: 91.78
Current: 88.5

3.24
91.78
Days Sales Outstanding 36.13
FSBK's Days Sales Outstanding is ranked higher than
87% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FSBK: 36.13 )
FSBK' s 10-Year Days Sales Outstanding Range
Min: 34.09   Max: 118.3
Current: 36.13

34.09
118.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
FSBK's Dividend Yield is ranked lower than
77% of the 2226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. FSBK: 1.20 )
FSBK' s 10-Year Dividend Yield Range
Min: 0.29   Max: 16.45
Current: 1.2

0.29
16.45
Dividend Payout 0.25
FSBK's Dividend Payout is ranked higher than
85% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. FSBK: 0.25 )
FSBK' s 10-Year Dividend Payout Range
Min: 0.22   Max: 1.11
Current: 0.25

0.22
1.11
Yield on cost (5-Year) 1.20
FSBK's Yield on cost (5-Year) is ranked lower than
77% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. FSBK: 1.20 )
FSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 16.45
Current: 1.2

0.29
16.45
Share Buyback Rate 0.40
FSBK's Share Buyback Rate is ranked higher than
88% of the 1686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. FSBK: 0.40 )
FSBK' s 10-Year Share Buyback Rate Range
Min: 21.8   Max: -0.6
Current: 0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FSBK's Price/Tangible Book is ranked higher than
81% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. FSBK: 1.10 )
FSBK' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 5
Current: 1.1

0.4
5
Price/Median PS Value 0.90
FSBK's Price/Median PS Value is ranked higher than
92% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. FSBK: 0.90 )
FSBK' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 3.83
Current: 0.9

0.31
3.83
Price/Graham Number 1.00
FSBK's Price/Graham Number is ranked higher than
76% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FSBK: 1.00 )
FSBK' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.88
Current: 1

0.6
1.88
Earnings Yield (Greenblatt) 16.20
FSBK's Earnings Yield (Greenblatt) is ranked higher than
94% of the 2352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FSBK: 16.20 )
FSBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.8   Max: 18.7
Current: 16.2

3.8
18.7
Forward Rate of Return (Yacktman) -31.48
FSBK's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.15 vs. FSBK: -31.48 )
FSBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -69.3   Max: 36.5
Current: -31.48

-69.3
36.5

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
First South Bancorp Inc., a Virginia corporation was formed on October 1996. The Company serves as the holding Company for First South Bank, or the Bank, a North Carolina chartered commercial bank. The Company oversees the business of the Bank and operating a commercial banking business through the Bank. It provides commercial banking services to its markets located in the state of North Carolina. It attracts deposits mainly from within the market area by offering a variety of deposit instruments, including checking accounts, money market accounts, statement savings accounts, Individual Retirement Accounts, and certificates of deposits. In addition to deposits, the Bank derives funds from loan principal and interest repayments, maturities and paydowns on investment securities, and interest payments thereon. It generates loans and deposits throughout eastern and central North Carolina where the Bank's offices are located. Further, the Bank sells single-family mortgage loans that it originates to the Federal Home Loan Mortgage Corporation. It also exchanges single-family mortgage loans for mortgage-backed securities with FHLMC. Its lending activities are subject to the Bank's written, non-discriminatory underwriting standards, its outside investors, and to loan origination procedures prescribed by the Bank's Board of Directors and its management. Additionally, it offers fixed-rate and adjustable-rate residential mortgage loans and residential and commercial construction loans. The Bank underwrites its commercial business loans on the basis of the borrower's cash flow and ability to service the debt from earnings rather than on the basis of underlying collateral value, and the bank seeks to structure such loans to have more than one source of repayment.
» More Articles for FSBK

Headlines

Articles On GuruFocus.com
FSBK is undervalued & is oversold by short sellers. Apr 29 2011 
First South Bancorp Inc Reports Operating Results (10-Q) Nov 05 2010 
First South Bancorp Inc Reports Operating Results (10-Q) Aug 06 2010 
First South Bancorp Inc Reports Operating Results (10-Q) May 07 2010 
First South Bancorp Inc (FSBK) CFO William L Wall buys 1,015 Shares May 07 2010 
First South Bancorp Inc (FSBK) CFO William L Wall buys 1,350 Shares Feb 04 2010 
First South Bancorp Inc (FSBK) CFO William L Wall buys 1,225 Shares Nov 06 2009 
First South Bancorp Inc Reports Operating Results (10-Q) Nov 04 2009 
First South Bancorp Inc (FSBK) Pres., Dir. & CEO Thomas A Vann sells 20,000 Shares Oct 23 2009 
First South Bancorp Inc (FSBK) President, Director and CEO Thomas A Vann sells 10,000 Shares Sep 17 2009 

More From Other Websites
10-K for First South Bancorp, Inc. (North Carolina) May 01 2015
First South Bancorp, Inc. Declares Quarterly Cash Dividend Apr 24 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 21 2015
First South Bancorp, Inc. Reports March 31, 2015 Quarterly Operating Results Apr 21 2015
First South Bancorp, Inc. and Subsidiary Appoint New Board Members Apr 16 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 10-K/A, Annual Report Apr 02 2015
FIRST SOUTH BANCORP INC /VA/ Financials Mar 31 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Change in Directors or Principal Officers Mar 31 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 10-K, Annual Report Mar 25 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 27 2015
First South Bancorp, Inc. Announces Stock Purchase Plan Jan 27 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2015
First South Bancorp, Inc. Reports December 31, 2014 Quarterly and Year End Operating Results Jan 26 2015
First South Bancorp, Inc. Declares Quarterly Cash Dividend Jan 23 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Dec 15 2014
First South Bank Adds Nine Locations in North Carolina Dec 15 2014
First South Bank Opens New Loan Production Office in Durham, North Carolina Nov 28 2014
FIRST SOUTH BANCORP INC /VA/ Files SEC form 10-Q, Quarterly Report Nov 13 2014
First South Bancorp, Inc. Declares Quarterly Cash Dividend Oct 24 2014
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 17 2014

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