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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 0.69
GECR's Cash to Debt is ranked higher than
68% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. GECR: 0.69 )
GECR' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 0.69

Equity to Asset 0.12
GECR's Equity to Asset is ranked higher than
86% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GECR: 0.12 )
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
88% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. GECR: 4.11 )
GECR' s 10-Year Interest Coverage Range
Min: 0.05   Max: 4.11
Current: 4.11

0.05
4.11
F-Score: 4
Z-Score: 0.30
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 (%) 29.82
GECR's Operating margin (%) is ranked higher than
75% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. GECR: 29.82 )
GECR' s 10-Year Operating margin (%) Range
Min: -592.95   Max: 32.59
Current: 29.82

-592.95
32.59
Net-margin (%) 21.30
GECR's Net-margin (%) is ranked higher than
74% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. GECR: 21.30 )
GECR' s 10-Year Net-margin (%) Range
Min: 2.12   Max: 85.71
Current: 21.3

2.12
85.71
ROE (%) 10.91
GECR's ROE (%) is ranked higher than
85% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. GECR: 10.91 )
GECR' s 10-Year ROE (%) Range
Min: 0.65   Max: 23.02
Current: 10.91

0.65
23.02
ROA (%) 1.20
GECR's ROA (%) is ranked higher than
89% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. GECR: 1.20 )
GECR' s 10-Year ROA (%) Range
Min: 0.1   Max: 1.89
Current: 1.2

0.1
1.89
ROC (Joel Greenblatt) (%) 58.34
GECR's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. GECR: 58.34 )
GECR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -731.23   Max: 118
Current: 58.34

-731.23
118
Revenue Growth (%) -2.10
GECR's Revenue Growth (%) is ranked higher than
66% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. GECR: -2.10 )
GECR' s 10-Year Revenue Growth (%) Range
Min: -2.9   Max: 218.5
Current: -2.1

-2.9
218.5
EBITDA Growth (%) 62.80
GECR's EBITDA Growth (%) is ranked higher than
97% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. GECR: 62.80 )
GECR' s 10-Year EBITDA Growth (%) Range
Min: -26.3   Max: 172.6
Current: 62.8

-26.3
172.6
EPS Growth (%) 57.80
GECR's EPS Growth (%) is ranked higher than
96% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. GECR: 57.80 )
GECR' s 10-Year EPS Growth (%) 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

Insider Trades

Latest Guru Trades with GECR

(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) 22.00
GECR's P/E(ttm) is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. GECR: 22.00 )
GECR' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 24.56
Current: 22

4.98
24.56
P/B 1.30
GECR's P/B is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GECR: 1.30 )
GECR' s 10-Year P/B Range
Min: 0.44   Max: 2.89
Current: 1.3

0.44
2.89
P/S 2.90
GECR's P/S is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. GECR: 2.90 )
GECR' s 10-Year P/S Range
Min: 0.62   Max: 3.76
Current: 2.9

0.62
3.76
PFCF 7.30
GECR's PFCF is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. GECR: 7.30 )
GECR' s 10-Year PFCF Range
Min: 0.62   Max: 12.19
Current: 7.3

0.62
12.19
EV-to-EBIT 16.03
GECR's EV-to-EBIT is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. GECR: 16.03 )
GECR' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 60
Current: 16.03

0.1
60
PEG 0.80
GECR's PEG is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GECR: 0.80 )
GECR' s 10-Year PEG Range
Min: 0.19   Max: 12.96
Current: 0.8

0.19
12.96
Shiller P/E 17.60
GECR's Shiller P/E is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. GECR: 17.60 )
GECR' s 10-Year Shiller P/E Range
Min: 5.3   Max: 20.96
Current: 17.6

5.3
20.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.80
GECR's Dividend Yield is ranked lower than
88% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. GECR: 0.80 )
GECR' s 10-Year Dividend Yield Range
Min: 0.39   Max: 1.31
Current: 0.8

0.39
1.31
Dividend Payout 0.18
GECR's Dividend Payout is ranked higher than
87% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. GECR: 0.18 )
GECR' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.2
Current: 0.18

0.06
0.2
Yield on cost (5-Year) 0.80
GECR's Yield on cost (5-Year) is ranked lower than
84% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. GECR: 0.80 )
GECR' s 10-Year Yield on cost (5-Year) Range
Min: 0.39   Max: 1.31
Current: 0.8

0.39
1.31
Share Buyback Rate -0.70
GECR's Share Buyback Rate is ranked higher than
78% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. GECR: -0.70 )
GECR' s 10-Year Share Buyback Rate Range
Min: 7.4   Max: -13.5
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
GECR's Price/Tangible Book is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. GECR: 1.28 )
GECR' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 2.71
Current: 1.28

0.5
2.71
Price/DCF (Projected) 0.67
GECR's Price/DCF (Projected) is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. GECR: 0.67 )
GECR' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 2.71
Current: 0.67

0.2
2.71
Price/Median PS Value 1.64
GECR's Price/Median PS Value is ranked higher than
56% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. GECR: 1.64 )
GECR' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 7.78
Current: 1.64

0.41
7.78
Price/Peter Lynch Fair Value 0.88
GECR's Price/Peter Lynch Fair Value is ranked higher than
92% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GECR: 0.88 )
GECR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29   Max: 3.75
Current: 0.88

0.29
3.75
Price/Graham Number 1.12
GECR's Price/Graham Number is ranked higher than
70% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GECR: 1.12 )
GECR' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 1.81
Current: 1.12

0.35
1.81
Earnings Yield (Greenblatt) 6.20
GECR's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. GECR: 6.20 )
GECR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 1658.3
Current: 6.2

1.7
1658.3
Forward Rate of Return (Yacktman) 31.13
GECR's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. GECR: 31.13 )
GECR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.5   Max: 99.6
Current: 31.13

-20.5
99.6

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 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 a full range of 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 'FDIC'). 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 offer a full range of 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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