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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 0.37
FSGI's Cash to Debt is ranked lower than
72% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. FSGI: 0.37 )
Ranked among companies with meaningful Cash to Debt only.
FSGI' s 10-Year Cash to Debt Range
Min: 0.3  Med: 3.80 Max: No Debt
Current: 0.37
Equity to Asset 0.08
FSGI's Equity to Asset is ranked lower than
69% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FSGI: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
FSGI' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.11 Max: 0.16
Current: 0.08
0.02
0.16
Interest Coverage 0.59
FSGI's Interest Coverage is ranked lower than
76% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. FSGI: 0.59 )
Ranked among companies with meaningful Interest Coverage only.
FSGI' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.55 Max: 0.69
Current: 0.59
0.03
0.69
F-Score: 5
WACC vs ROIC
13.08%
1.49%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 4.67
FSGI's Operating margin (%) is ranked lower than
90% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. FSGI: 4.67 )
Ranked among companies with meaningful Operating margin (%) only.
FSGI' s 10-Year Operating margin (%) Range
Min: -337.86  Med: -40.47 Max: 27.98
Current: 4.67
-337.86
27.98
Net-margin (%) 3.46
FSGI's Net-margin (%) is ranked lower than
91% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. FSGI: 3.46 )
Ranked among companies with meaningful Net-margin (%) only.
FSGI' s 10-Year Net-margin (%) Range
Min: -114.28  Med: 2.39 Max: 45.12
Current: 3.46
-114.28
45.12
ROE (%) 1.75
FSGI's ROE (%) is ranked lower than
88% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. FSGI: 1.75 )
Ranked among companies with meaningful ROE (%) only.
FSGI' s 10-Year ROE (%) Range
Min: -81.46  Med: 3.01 Max: 20.13
Current: 1.75
-81.46
20.13
ROA (%) 0.15
FSGI's ROA (%) is ranked lower than
89% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FSGI: 0.15 )
Ranked among companies with meaningful ROA (%) only.
FSGI' s 10-Year ROA (%) Range
Min: -3.52  Med: 0.18 Max: 1.06
Current: 0.15
-3.52
1.06
Revenue Growth (3Y)(%) -69.30
FSGI's Revenue Growth (3Y)(%) is ranked lower than
99% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. FSGI: -69.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FSGI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -70.9  Med: 1.45 Max: 79.9
Current: -69.3
-70.9
79.9
» FSGI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

FSGI Guru Trades in Q3 2014

Jim Simons 241,618 sh (+1.36%)
Michael Price 6,080,000 sh (unchged)
George Soros Sold Out
» More
Q4 2014

FSGI Guru Trades in Q4 2014

Michael Price 6,080,000 sh (unchged)
Jim Simons 213,100 sh (-11.80%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 102.90
FSGI's P/E(ttm) is ranked lower than
98% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. FSGI: 102.90 )
Ranked among companies with meaningful P/E(ttm) only.
FSGI' s 10-Year P/E(ttm) Range
Min: 5.03  Med: 16.37 Max: 268.75
Current: 102.9
5.03
268.75
PE(NRI) 123.50
FSGI's PE(NRI) is ranked lower than
98% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. FSGI: 123.50 )
Ranked among companies with meaningful PE(NRI) only.
FSGI' s 10-Year PE(NRI) Range
Min: 5  Med: 19.28 Max: 215
Current: 123.5
5
215
P/B 1.82
FSGI's P/B is ranked lower than
88% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. FSGI: 1.82 )
Ranked among companies with meaningful P/B only.
FSGI' s 10-Year P/B Range
Min: 0.05  Med: 1.00 Max: 1.9
Current: 1.82
0.05
1.9
P/S 3.58
FSGI's P/S is ranked lower than
66% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. FSGI: 3.58 )
Ranked among companies with meaningful P/S only.
FSGI' s 10-Year P/S Range
Min: 0.06  Med: 1.21 Max: 3.98
Current: 3.58
0.06
3.98
POCF 49.40
FSGI's POCF is ranked lower than
96% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. FSGI: 49.40 )
Ranked among companies with meaningful POCF only.
FSGI' s 10-Year POCF Range
Min: 0.88  Med: 7.42 Max: 214
Current: 49.4
0.88
214
EV-to-EBIT 96.20
FSGI's EV-to-EBIT is ranked lower than
97% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. FSGI: 96.20 )
Ranked among companies with meaningful EV-to-EBIT only.
FSGI' s 10-Year EV-to-EBIT Range
Min: -190.5  Med: 9.70 Max: 122.1
Current: 96.2
-190.5
122.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.82
FSGI's Price/Tangible Book is ranked lower than
82% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. FSGI: 1.82 )
Ranked among companies with meaningful Price/Tangible Book only.
FSGI' s 10-Year Price/Tangible Book Range
Min: 0.08  Med: 1.27 Max: 1.92
Current: 1.82
0.08
1.92
Price/Projected FCF 5.48
FSGI's Price/Projected FCF is ranked lower than
98% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. FSGI: 5.48 )
Ranked among companies with meaningful Price/Projected FCF only.
FSGI' s 10-Year Price/Projected FCF Range
Min: 0.03  Med: 0.33 Max: 5.44
Current: 5.48
0.03
5.44
Price/Median PS Value 2.97
FSGI's Price/Median PS Value is ranked lower than
98% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. FSGI: 2.97 )
Ranked among companies with meaningful Price/Median PS Value only.
FSGI' s 10-Year Price/Median PS Value Range
Min: 0.07  Med: 1.02 Max: 3.1
Current: 2.97
0.07
3.1
Price/Graham Number 2.90
FSGI's Price/Graham Number is ranked lower than
98% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. FSGI: 2.90 )
Ranked among companies with meaningful Price/Graham Number only.
FSGI' s 10-Year Price/Graham Number Range
Min: 0.57  Med: 1.27 Max: 3.25
Current: 2.9
0.57
3.25
Earnings Yield (Greenblatt) (%) 1.00
FSGI's Earnings Yield (Greenblatt) (%) is ranked lower than
87% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. FSGI: 1.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FSGI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 8.70 Max: 1921.6
Current: 1
0.8
1921.6
Forward Rate of Return (Yacktman) (%) 381.83
FSGI's Forward Rate of Return (Yacktman) (%) is ranked higher than
98% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. FSGI: 381.83 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FSGI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -117.6  Med: 16.10 Max: 336.2
Current: 381.83
-117.6
336.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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.
» More Articles for FSGI

Headlines

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 
MP new buy 4/15 @$2. Apr 17 2013 
Guru buy at $2.51 Apr 17 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 
comment on FSGI Apr 16 2013 

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