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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.13
GRBS's Cash to Debt is ranked higher than
51% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. GRBS: 0.13 )
GRBS' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.13

Equity to Asset 0.07
GRBS's Equity to Asset is ranked higher than
60% of the 1739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. GRBS: 0.07 )
GRBS' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.1
Current: 0.07

0.04
0.1
Interest Coverage 1.84
GRBS's Interest Coverage is ranked higher than
75% of the 1607 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. GRBS: 1.84 )
GRBS' s 10-Year Interest Coverage Range
Min: 0.28   Max: 1.84
Current: 1.84

0.28
1.84
F-Score: 4
Z-Score: 0.15
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 (%) 34.68
GRBS's Operating margin (%) is ranked higher than
82% of the 1765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.49 vs. GRBS: 34.68 )
GRBS' s 10-Year Operating margin (%) Range
Min: -2894.49   Max: 39.87
Current: 34.68

-2894.49
39.87
Net-margin (%) 26.81
GRBS's Net-margin (%) is ranked higher than
84% of the 1772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.32 vs. GRBS: 26.81 )
GRBS' s 10-Year Net-margin (%) Range
Min: -1110.2   Max: 161.85
Current: 26.81

-1110.2
161.85
ROE (%) 14.09
GRBS's ROE (%) is ranked higher than
92% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.43 vs. GRBS: 14.09 )
GRBS' s 10-Year ROE (%) Range
Min: -31.57   Max: 36.37
Current: 14.09

-31.57
36.37
ROA (%) 0.99
GRBS's ROA (%) is ranked higher than
82% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. GRBS: 0.99 )
GRBS' s 10-Year ROA (%) Range
Min: -1.56   Max: 2.49
Current: 0.99

-1.56
2.49
ROC (Joel Greenblatt) (%) 104.65
GRBS's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. GRBS: 104.65 )
GRBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -220.44   Max: 113.32
Current: 104.65

-220.44
113.32
Revenue Growth (%) -7.80
GRBS's Revenue Growth (%) is ranked higher than
58% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. GRBS: -7.80 )
GRBS' s 10-Year Revenue Growth (%) Range
Min: -64.9   Max: 210
Current: -7.8

-64.9
210
» GRBS's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with GRBS

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



No Insider Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 6.60
GRBS's P/E(ttm) is ranked higher than
95% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.00 vs. GRBS: 6.60 )
GRBS' s 10-Year P/E(ttm) Range
Min: 1.35   Max: 25.34
Current: 6.6

1.35
25.34
P/B 1.00
GRBS's P/B is ranked higher than
78% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. GRBS: 1.00 )
GRBS' s 10-Year P/B Range
Min: 0.35   Max: 3.22
Current: 1

0.35
3.22
P/S 1.30
GRBS's P/S is ranked higher than
93% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. GRBS: 1.30 )
GRBS' s 10-Year P/S Range
Min: 0.17   Max: 395
Current: 1.3

0.17
395
PFCF 3.40
GRBS's PFCF is ranked higher than
94% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 227.00 vs. GRBS: 3.40 )
GRBS' s 10-Year PFCF Range
Min: 0.26   Max: 85.94
Current: 3.4

0.26
85.94
EV-to-EBIT 18.86
GRBS's EV-to-EBIT is ranked higher than
72% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.15 vs. GRBS: 18.86 )
GRBS' s 10-Year EV-to-EBIT Range
Min: 9.9   Max: 42.2
Current: 18.86

9.9
42.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
GRBS's Price/Tangible Book is ranked higher than
82% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. GRBS: 1.02 )
GRBS' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 3.13
Current: 1.02

0.41
3.13
Price/DCF (Projected) 0.29
GRBS's Price/DCF (Projected) is ranked higher than
94% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. GRBS: 0.29 )
GRBS' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.32
Current: 0.29

0.05
1.32
Price/Median PS Value 0.58
GRBS's Price/Median PS Value is ranked higher than
97% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. GRBS: 0.58 )
GRBS' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 158
Current: 0.58

0.08
158
Price/Graham Number 0.44
GRBS's Price/Graham Number is ranked higher than
96% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. GRBS: 0.44 )
GRBS' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.8
Current: 0.44

0.17
1.8
Earnings Yield (Greenblatt) 5.50
GRBS's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. GRBS: 5.50 )
GRBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 10.1
Current: 5.5

2.4
10.1
Forward Rate of Return (Yacktman) 20.23
GRBS's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.57 vs. GRBS: 20.23 )
GRBS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.6   Max: 80.6
Current: 20.23

3.6
80.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Greer Bancshares Inc. was formed in July 2001 as a one-bank holding company for Greer State Bank. The Company holds its investment in its banking subsidiary. The Company offers banking services through its subsidiary, including checking, savings, brokered deposits and other time deposits of various types, loans for business, real estate, personal use, home improvements, automobiles and a number of other types of loans and services. In addition, drive-up, safe deposit and night depository facilities are offered. The Bank solicits deposit accounts from individuals, businesses, associations and organizations and governmental authorities. The Bank's deposits consist of retail checking accounts, NOW accounts, money market accounts, retail savings accounts and certificates of deposit. These deposits, along with short-term borrowings, long-term borrowings, and brokered deposits, are used to support its asset base. The Bank makes and services both secured and unsecured loans to individuals and businesses in its market area. The Bank strives for a balanced mix of consumer lending, commercial lending to small and medium-sized businesses and mortgage lending, both consumer and commercial. The Bank's portfolio consists of commercial, commercial real estate, real estate construction, residential mortgage, consumer installment loans and other consumer loans, as well as a small amount of lease financings and obligations of state and political subdivisions. Other banking services provided include travelers' checks, safe deposit boxes, direct deposit of payroll and social security checks, as well as automatic drafts for various accounts. It also offers, functional and user friendly internet online banking and cash management services. It competes with several major banks which dominate the commercial banking industry in its service areas. In addition, it also competes with other community banks, savings institutions and credit unions. Both the Company and the Bank are subject to state and federal banking laws and regulations, which impose specific requirements or restrictions on and provide for general regulatory oversight of virtually all aspects of operations.
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