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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

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

» GECR'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

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Business Description

Industry: Banks » Banks - Regional - US

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.



Dividend & Buy Back

Dividend Yield 0.76
GECR's Dividend Yield is ranked lower than
92% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. GECR: 0.76 )
Ranked among companies with meaningful Dividend Yield only.
GECR' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.76
Dividend Payout 0.16
GECR's Dividend Payout is ranked higher than
85% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. GECR: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
GECR' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.16
Yield on cost (5-Year) 0.76
GECR's Yield on cost (5-Year) is ranked lower than
92% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. GECR: 0.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GECR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.76

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $28.22
EPS (TTM) $ 1.15
Short Percentage of Float0.00%
52-Week Range $13.71 - 24.50
Shares Outstanding (Mil)3.60

Analyst Estimate

Dec14 Dec15
Revenue (Mil $)
EPS ($) 1.99 2.02
EPS w/o NRI ($) 1.99 2.02
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($)
» More Articles for GECR


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