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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 5.79
FSBK's Cash to Debt is ranked higher than
63% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FSBK: 5.79 )
Ranked among companies with meaningful Cash to Debt only.
FSBK' s 10-Year Cash to Debt Range
Min: 0.33  Med: 1.56 Max: 11.72
Current: 5.79
0.33
11.72
Equity to Asset 0.09
FSBK's Equity to Asset is ranked lower than
58% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FSBK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FSBK' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.24
Current: 0.09
0.08
0.24
Interest Coverage 1.98
FSBK's Interest Coverage is ranked higher than
55% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FSBK: 1.98 )
Ranked among companies with meaningful Interest Coverage only.
FSBK' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.87 Max: 3.2
Current: 1.98
0.32
3.2
F-Score: 6
WACC vs ROIC
7.73%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.28
FSBK's Operating margin (%) is ranked lower than
82% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. FSBK: 13.28 )
Ranked among companies with meaningful Operating margin (%) only.
FSBK' s 10-Year Operating margin (%) Range
Min: -44.5  Med: 34.73 Max: 54.98
Current: 13.28
-44.5
54.98
Net-margin (%) 9.48
FSBK's Net-margin (%) is ranked lower than
83% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. FSBK: 9.48 )
Ranked among companies with meaningful Net-margin (%) only.
FSBK' s 10-Year Net-margin (%) Range
Min: -26.96  Med: 20.20 Max: 33.44
Current: 9.48
-26.96
33.44
ROE (%) 4.39
FSBK's ROE (%) is ranked lower than
76% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. FSBK: 4.39 )
Ranked among companies with meaningful ROE (%) only.
FSBK' s 10-Year ROE (%) Range
Min: -13.83  Med: 8.09 Max: 23.39
Current: 4.39
-13.83
23.39
ROA (%) 0.45
FSBK's ROA (%) is ranked lower than
71% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FSBK: 0.45 )
Ranked among companies with meaningful ROA (%) only.
FSBK' s 10-Year ROA (%) Range
Min: -1.51  Med: 1.12 Max: 1.97
Current: 0.45
-1.51
1.97
ROC (Joel Greenblatt) (%) 36.56
FSBK's ROC (Joel Greenblatt) (%) is ranked lower than
70% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. FSBK: 36.56 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FSBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -151.51  Med: 80.87 Max: 318.84
Current: 36.56
-151.51
318.84
Revenue Growth (3Y)(%) -4.90
FSBK's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. FSBK: -4.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FSBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.9  Med: 8.50 Max: 55
Current: -4.9
-5.9
55
EBITDA Growth (3Y)(%) 23.70
FSBK's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. FSBK: 23.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FSBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -42.2  Med: 20.85 Max: 49.1
Current: 23.7
-42.2
49.1
EPS Growth (3Y)(%) 35.70
FSBK's EPS Growth (3Y)(%) is ranked higher than
86% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. FSBK: 35.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FSBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.7  Med: 21.20 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

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
Q1 2015

FSBK Guru Trades in Q1 2015

Jim Simons 85,300 sh (+5.05%)
Arnold Schneider Sold Out
» 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) 21.94
FSBK's P/E(ttm) is ranked lower than
78% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. FSBK: 21.94 )
Ranked among companies with meaningful P/E(ttm) only.
FSBK' s 10-Year P/E(ttm) Range
Min: 5.36  Med: 16.57 Max: 28.19
Current: 21.94
5.36
28.19
Forward P/E 11.45
FSBK's Forward P/E is ranked higher than
59% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. FSBK: 11.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.30
FSBK's PE(NRI) is ranked lower than
80% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. FSBK: 22.30 )
Ranked among companies with meaningful PE(NRI) only.
FSBK' s 10-Year PE(NRI) Range
Min: 5.38  Med: 16.52 Max: 27.31
Current: 22.3
5.38
27.31
P/B 0.94
FSBK's P/B is ranked higher than
65% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. FSBK: 0.94 )
Ranked among companies with meaningful P/B only.
FSBK' s 10-Year P/B Range
Min: 0.37  Med: 1.19 Max: 4.6
Current: 0.94
0.37
4.6
P/S 2.09
FSBK's P/S is ranked higher than
72% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. FSBK: 2.09 )
Ranked among companies with meaningful P/S only.
FSBK' s 10-Year P/S Range
Min: 0.76  Med: 2.35 Max: 10.4
Current: 2.09
0.76
10.4
PFCF 32.04
FSBK's PFCF is ranked lower than
86% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. FSBK: 32.04 )
Ranked among companies with meaningful PFCF only.
FSBK' s 10-Year PFCF Range
Min: 1.32  Med: 12.18 Max: 52.92
Current: 32.04
1.32
52.92
POCF 15.39
FSBK's POCF is ranked lower than
72% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. FSBK: 15.39 )
Ranked among companies with meaningful POCF only.
FSBK' s 10-Year POCF Range
Min: 1.3  Med: 8.56 Max: 48.78
Current: 15.39
1.3
48.78
EV-to-EBIT 5.55
FSBK's EV-to-EBIT is ranked higher than
89% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. FSBK: 5.55 )
Ranked among companies with meaningful EV-to-EBIT only.
FSBK' s 10-Year EV-to-EBIT Range
Min: -12.9  Med: 9.10 Max: 26.5
Current: 5.55
-12.9
26.5
Shiller P/E 116.68
FSBK's Shiller P/E is ranked lower than
97% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. FSBK: 116.68 )
Ranked among companies with meaningful Shiller P/E only.
FSBK' s 10-Year Shiller P/E Range
Min: 3.24  Med: 16.90 Max: 118
Current: 116.68
3.24
118
Days Sales Outstanding 36.13
FSBK's Days Sales Outstanding is ranked lower than
52% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. FSBK: 36.13 )
Ranked among companies with meaningful Days Sales Outstanding only.
FSBK' s 10-Year Days Sales Outstanding Range
Min: 34.09  Med: 45.63 Max: 118.3
Current: 36.13
34.09
118.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.25
FSBK's Dividend Yield is ranked lower than
80% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. FSBK: 1.25 )
Ranked among companies with meaningful Dividend Yield only.
FSBK' s 10-Year Dividend Yield Range
Min: 0.29  Med: 2.51 Max: 16.45
Current: 1.25
0.29
16.45
Dividend Payout 0.28
FSBK's Dividend Payout is ranked higher than
59% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. FSBK: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
FSBK' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.34 Max: 1.96
Current: 0.28
0.18
1.96
Yield on cost (5-Year) 1.25
FSBK's Yield on cost (5-Year) is ranked lower than
81% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. FSBK: 1.25 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FSBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.29  Med: 2.51 Max: 16.45
Current: 1.25
0.29
16.45
Share Buyback Rate 0.40
FSBK's Share Buyback Rate is ranked higher than
78% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. FSBK: 0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
FSBK' s 10-Year Share Buyback Rate Range
Min: 21.8  Med: 0.80 Max: -0.6
Current: 0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
FSBK's Price/Tangible Book is ranked higher than
61% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. FSBK: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
FSBK' s 10-Year Price/Tangible Book Range
Min: 0.4  Med: 1.53 Max: 5
Current: 1.03
0.4
5
Price/Median PS Value 0.89
FSBK's Price/Median PS Value is ranked higher than
80% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. FSBK: 0.89 )
Ranked among companies with meaningful Price/Median PS Value only.
FSBK' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 1.50 Max: 4.39
Current: 0.89
0.32
4.39
Price/Graham Number 1.00
FSBK's Price/Graham Number is ranked lower than
60% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. FSBK: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
FSBK' s 10-Year Price/Graham Number Range
Min: 0.6  Med: 1.17 Max: 2.31
Current: 1
0.6
2.31
Earnings Yield (Greenblatt) (%) 18.12
FSBK's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FSBK: 18.12 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FSBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.8  Med: 10.20 Max: 22.2
Current: 18.12
3.8
22.2
Forward Rate of Return (Yacktman) (%) -33.03
FSBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
95% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. FSBK: -33.03 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FSBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -69.3  Med: -6.50 Max: 36.3
Current: -33.03
-69.3
36.3

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
FIRST SOUTH BANCORP INC /VA/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 28 2015
FIRST SOUTH BANCORP INC /VA/ Financials May 22 2015
10-Q for First South Bancorp, Inc. (North Carolina) May 15 2015
FIRST SOUTH BANCORP INC /VA/ Files SEC form 10-Q, Quarterly Report May 13 2015
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/ 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

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