Ratios

		vs industry	vs history
P/B	0.84	FSBK's P/B is ranked higher than 68% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.90 vs. FSBK: 0.84 )	FSBK' s 10-Year P/B Range Min: 0.37   Max: 7.07 Current: 0.84 0.37 7.07
P/S	1.57	FSBK's P/S is ranked higher than 72% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 2.20 vs. FSBK: 1.57 )	FSBK' s 10-Year P/S Range Min: 0.76   Max: 8.27 Current: 1.57 0.76 8.27
PFCF	3.54	FSBK's PFCF is ranked higher than 70% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 6.70 vs. FSBK: 3.54 )	FSBK' s 10-Year PFCF Range Min: 3.44   Max: 402.45 Current: 3.54 3.44 402.45
EV-to-EBIT	-4.44	FSBK's EV-to-EBIT is ranked higher than 59% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 16.90 vs. FSBK: -4.44 )	FSBK' s 10-Year EV-to-EBIT Range Min: 1   Max: 19.6 Current: -4.44 1 19.6
Shiller P/E	16.65	FSBK's Shiller P/E is ranked higher than 88% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 14.60 vs. FSBK: 16.65 )	FSBK' s 10-Year Shiller P/E Range Min: 3.34   Max: 32.91 Current: 16.65 3.34 32.91

Valuation & Return

		vs industry	vs history
Price/Tangible Book	0.9	FSBK's Price/Tangible Book is ranked lower than 59% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 1.00 vs. FSBK: 0.9 )	FSBK' s 10-Year Price/Tangible Book Range Min: 0.4   Max: 4.4 Current: 0.9 0.4 4.4
Price/Median PS Value	0.4	FSBK's Price/Median PS Value is ranked lower than 68% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.80 vs. FSBK: 0.4 )	FSBK' s 10-Year Price/Median PS Value Range Min: 0.2   Max: 2 Current: 0.4 0.2 2
Earnings Yield (Greenblatt)	5.20	FSBK's Earnings Yield (Greenblatt) is ranked higher than 67% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 5.80 vs. FSBK: 5.20 )	FSBK' s 10-Year Earnings Yield (Greenblatt) Range Min: 5.1   Max: 97.2 Current: 5.2 5.1 97.2
Forward Rate of Return (Yacktman)	-31.62	FSBK's Forward Rate of Return (Yacktman) is ranked lower than 60% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 15.01 vs. FSBK: -31.62 )	FSBK' s 10-Year Forward Rate of Return (Yacktman) Range Min: -39.1   Max: 34.5 Current: -31.62 -39.1 34.5

Business Description

First South Bancorp, Inc. is a Virginia corporation, incorporated on January 7, 1999. It serves as the holding Company for First South Bank, a North Carolina chartered commercial bank. The bank has one operating segment, the providing of general commercial banking services to its markets located in the state of North Carolina. The Company attracts deposits from the general public and invests these funds in commercial real estate loans, commercial business loans, consumer loans and loans secured by first mortgages on owner-occupied, single-family residences in the bank's market area. First South Bancorp makes loans and obtains deposits throughout eastern, northeastern, southeastern and central North Carolina, where the Bank's offices are located. The bank's loan originations are derived from a number of sources, including referrals from depositors and borrowers, repeat customers, advertising, calling officers as well as walk-in customers. The bank's solicitation programs consist of advertisements in local media, in addition to participation in different community organizations and events. Additionally, the Bank also offers adjustable-rate residential mortgage loans. The bank also offers residential and commercial construction loans, with a large portion of such loans originated to date being for the construction of single-family dwellings in the Bank's primary market area. 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.
Company Website
SEC Reports

Industry:	Savings & Cooperative Banks
Compare:	OCN, HOME, NYCB, PBCT, HCBK

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