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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

Interest Coverage 0.47
FSGI's Interest Coverage is ranked lower than
99.99% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. FSGI: 0.47 )
Ranked among companies with meaningful Interest Coverage only.
FSGI' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.47
Current: 0.47
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 : 3/10

» FSGI's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

Guru Trades

Q1 2015

FSGI Guru Trades in Q1 2015

Michael Price 6,080,000 sh (unchged)
Jim Simons 189,400 sh (-11.12%)
» More
Q2 2015

FSGI Guru Trades in Q2 2015

Jim Simons 398,199 sh (+110.24%)
Michael Price 6,080,000 sh (unchged)
» More
Q3 2015

FSGI Guru Trades in Q3 2015

Michael Price 6,080,000 sh (unchged)
Jim Simons 337,200 sh (-15.32%)
» More
Q4 2015

FSGI Guru Trades in Q4 2015

Michael Price Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FSGI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Savings & Cooperative Banks

First Security Group Inc was incorporated in Tennessee on February 1, 1999 to serve as a bank holding company, and is regulated and supervised by the Board of Governors of the Federal Reserve System. It currently operates 28 full-service banking offices through its wholly-owned bank subsidiary, FSGBank. It serves the banking and financial needs of various communities in eastern and middle Tennessee, as well as northern Georgia. The Company offers a range of lending services that are mainly secured by single and multi-family real estate, residential construction and owner-occupied commercial buildings. In addition, it makes loans to small and medium-sized businesses, as well as to consumers for a number of purposes. The Companys main source of funds for loans and securities is core deposits gathered through its branch network. The Company offers a range of deposit services, including checking, savings, money market accounts and certificates of deposit, and obtain its deposits from individuals and businesses in its market areas, including the vast majority of its loan customers. The Companys wealth management division offers private client services, financial planning, trust administration, investment management and estate planning services. It also provides mortgage banking and electronic banking services, such as Internet banking, online bill payment, cash management, ACH originations, and remote deposit capture. The Company competes with commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds and other financial institutions, which operate in its main market areas and elsewhere. The Company and FSGBank are subject to extensive state and federal banking regulations that impose restrictions on and provide for general regulatory oversight of their operations.



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Valuation & Return


More Statistics

Revenue (TTM) (Mil) $45.98
EPS (TTM) $ 0.02
Short Percentage of Float0.26%
52-Week Range $1.95 - 2.59
Shares Outstanding (Mil)66.81
» More Articles for FSGI


Articles On GuruFocus.com
Legendary Value Investor Michael Price's New 13-f Filing Feb 18 2015 
First Security Group - Special Situation Opportunity Oct 07 2013 
More Billionaire Bargains, 29% Off Sep 13 2013 
Michael Price - A Penchant for Hard-Hit Banks Jul 22 2013 
Insider Analysis on American and Canadian Banking Sector May 07 2013 
Significant Insider Clusters Reported in the Technology, Consumer Cyclical and Financial Industries Apr 16 2013 
Michael Price - Buys FSGI as Bank Completes Recapitalization Apr 16 2013 
11 Insiders Make Buys as First Security Finishes Recapitalization Project Apr 15 2013 
First Security Group Inc. Reports Operating Results (10-Q/A) Nov 16 2010 
First Security Group Inc. Reports Operating Results (10-Q/A) Nov 16 2010 

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First Security Group posts 1Q profit May 11 2015
First Security Group posts 4Q profit Feb 03 2015

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