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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 No Debt
GECR's Cash to Debt is ranked higher than
100% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: No Debt )
Ranked among companies with meaningful Cash to Debt only.
GECR' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: No Debt

Equity to Asset 0.12
GECR's Equity to Asset is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.07 vs. GECR: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
GECR' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.16
Current: 0.12

0.06
0.16
Interest Coverage 4.11
GECR's Interest Coverage is ranked higher than
86% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. GECR: 4.11 )
Ranked among companies with meaningful Interest Coverage only.
GECR' s 10-Year Interest Coverage Range
Min: 0.05   Max: 4.11
Current: 4.11

0.05
4.11
F-Score: 3
Z-Score: 0.34
WACC vs ROIC
2.93%
7.87%
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 (%) 21.45
GECR's Operating margin (%) is ranked higher than
56% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.01 vs. GECR: 21.45 )
Ranked among companies with meaningful Operating margin (%) only.
GECR' s 10-Year Operating margin (%) Range
Min: -592.95   Max: 32.59
Current: 21.45

-592.95
32.59
Net-margin (%) 14.69
GECR's Net-margin (%) is ranked higher than
54% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. GECR: 14.69 )
Ranked among companies with meaningful Net-margin (%) only.
GECR' s 10-Year Net-margin (%) Range
Min: 2.12   Max: 85.71
Current: 14.69

2.12
85.71
ROE (%) 6.95
GECR's ROE (%) is ranked higher than
63% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.08 vs. GECR: 6.95 )
Ranked among companies with meaningful ROE (%) only.
GECR' s 10-Year ROE (%) Range
Min: 0.65   Max: 25.97
Current: 6.95

0.65
25.97
ROA (%) 0.80
GECR's ROA (%) is ranked higher than
68% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.35 vs. GECR: 0.80 )
Ranked among companies with meaningful ROA (%) only.
GECR' s 10-Year ROA (%) Range
Min: 0.11   Max: 1.92
Current: 0.8

0.11
1.92
ROC (Joel Greenblatt) (%) 50.84
GECR's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.53 vs. GECR: 50.84 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GECR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -1462.45   Max: 117.6
Current: 50.84

-1462.45
117.6
Revenue Growth (3Y)(%) -2.10
GECR's Revenue Growth (3Y)(%) is ranked higher than
63% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. GECR: -2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GECR' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.9   Max: 218.5
Current: -2.1

-2.9
218.5
EBITDA Growth (3Y)(%) 62.80
GECR's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 62.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GECR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.3   Max: 172.6
Current: 62.8

-26.3
172.6
EPS Growth (3Y)(%) 57.80
GECR's EPS Growth (3Y)(%) is ranked higher than
97% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 57.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GECR' s 10-Year EPS Growth (3Y)(%) Range
Min: -26.3   Max: 262.2
Current: 57.8

-26.3
262.2
» GECR's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 20.70
GECR's P/E(ttm) is ranked lower than
53% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. GECR: 20.70 )
Ranked among companies with meaningful P/E(ttm) only.
GECR' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 24.56
Current: 20.7

4.98
24.56
Forward P/E 10.95
GECR's Forward P/E is ranked higher than
75% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 10.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.70
GECR's PE(NRI) is ranked higher than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. GECR: 20.70 )
Ranked among companies with meaningful PE(NRI) only.
GECR' s 10-Year PE(NRI) Range
Min: 5   Max: 24.14
Current: 20.7

5
24.14
P/B 1.36
GECR's P/B is ranked lower than
68% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GECR: 1.36 )
Ranked among companies with meaningful P/B only.
GECR' s 10-Year P/B Range
Min: 0.44   Max: 2.78
Current: 1.36

0.44
2.78
P/S 3.06
GECR's P/S is ranked lower than
53% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 3.06 )
Ranked among companies with meaningful P/S only.
GECR' s 10-Year P/S Range
Min: 0.62   Max: 3.9
Current: 3.06

0.62
3.9
PFCF 39.58
GECR's PFCF is ranked higher than
51% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. GECR: 39.58 )
Ranked among companies with meaningful PFCF only.
GECR' s 10-Year PFCF Range
Min: 0.63   Max: 40.83
Current: 39.58

0.63
40.83
POCF 34.93
GECR's POCF is ranked higher than
58% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 34.93 )
Ranked among companies with meaningful POCF only.
GECR' s 10-Year POCF Range
Min: 0.62   Max: 36.03
Current: 34.93

0.62
36.03
EV-to-EBIT 9.99
GECR's EV-to-EBIT is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. GECR: 9.99 )
Ranked among companies with meaningful EV-to-EBIT only.
GECR' s 10-Year EV-to-EBIT Range
Min: -0.8   Max: 60
Current: 9.99

-0.8
60
PEG 0.75
GECR's PEG is ranked higher than
92% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 0.75 )
Ranked among companies with meaningful PEG only.
GECR' s 10-Year PEG Range
Min: 0.25   Max: 3.96
Current: 0.75

0.25
3.96
Shiller P/E 18.94
GECR's Shiller P/E is ranked higher than
71% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 18.94 )
Ranked among companies with meaningful Shiller P/E only.
GECR' s 10-Year Shiller P/E Range
Min: 5.3   Max: 20.96
Current: 18.94

5.3
20.96
Days Sales Outstanding 22.36
GECR's Days Sales Outstanding is ranked higher than
91% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 22.36 )
Ranked among companies with meaningful Days Sales Outstanding only.
GECR' s 10-Year Days Sales Outstanding Range
Min: 15.94   Max: 509.4
Current: 22.36

15.94
509.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.76
GECR's Dividend Yield is ranked lower than
97% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. GECR: 0.76 )
Ranked among companies with meaningful Dividend Yield only.
GECR' s 10-Year Dividend Yield Range
Min: 0.29   Max: 1.31
Current: 0.76

0.29
1.31
Dividend Payout 0.16
GECR's Dividend Payout is ranked higher than
90% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
GECR' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.2
Current: 0.16

0.06
0.2
Yield on cost (5-Year) 0.76
GECR's Yield on cost (5-Year) is ranked lower than
96% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 0.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GECR' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 1.31
Current: 0.76

0.29
1.31
Share Buyback Rate -0.70
GECR's Share Buyback Rate is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
GECR' s 10-Year Share Buyback Rate Range
Min: 7.4   Max: -13.5
Current: -0.7

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 10.00
GECR's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. GECR: 10.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
GECR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 1658.3
Current: 10

1.7
1658.3
Forward Rate of Return (Yacktman) 36.84
GECR's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. GECR: 36.84 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
GECR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -13.5   Max: 83.1
Current: 36.84

-13.5
83.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Georgia Carolina Bancshares Inc a Georgia corporation was incorporated in January 1997. The Company is a one-bank holding company for First Bank of Georgia (the 'Bank'), a locally owned, state-chartered commercial bank. The Bank operates three branch offices in Augusta, Georgia, two branch offices in Martinez, Georgia and one branch office in Evans, Georgia and one branch office in Thomson, Georgia. The Bank is also the parent company of Willhaven Holdings, LLC, which formerly held certain other real estate of the Bank. The Bank operates as a locally owned bank that targets the banking needs of individuals and small to medium-sized businesses by emphasizing personal service. It offers deposit and lending services and is a member of an electronic banking network that enables its customers to use the automated teller machines of other financial institutions. In addition, the Bank offers commercial and business credit services, as well as various consumer credit services, including home mortgage loans, automobile loans, lines of credit, home equity loans and home improvement loans. The Bank's deposits are insured by the Federal Deposit Insurance Corporation. The primary service area of the Bank includes the counties of Richmond, Columbia and McDuffie, Georgia, the communities of Augusta, Martinez, Evans and Thomson, Georgia, and Aiken County, South Carolina, which are within a 40-mile radius of the Bank's main office. The Bank encounters competition from other commercial banks, which offers banking services and compete for all types of services, especially deposits. In addition, in certain aspects of its banking business, the Bank also competes with credit unions, savings and loan associations, mortgage banking companies, consumer finance companies, brokerage houses, insurance companies, money market funds and other financial service companies which attract customers that have traditionally been served by banks.

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