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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.14
GRBS's Cash to Debt is ranked lower than
89% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.45 vs. GRBS: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
GRBS' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.14

Equity to Asset 0.06
GRBS's Equity to Asset is ranked lower than
84% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. GRBS: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
GRBS' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.1
Current: 0.06

0.04
0.1
Interest Coverage 1.84
GRBS's Interest Coverage is ranked higher than
53% of the 1197 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. GRBS: 1.84 )
Ranked among companies with meaningful Interest Coverage only.
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: 0.18
WACC vs ROIC
7.81%
3.89%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 34.52
GRBS's Operating margin (%) is ranked higher than
63% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. GRBS: 34.52 )
Ranked among companies with meaningful Operating margin (%) only.
GRBS' s 10-Year Operating margin (%) Range
Min: -2894.49   Max: 39.87
Current: 34.52

-2894.49
39.87
Net-margin (%) 24.80
GRBS's Net-margin (%) is ranked higher than
62% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. GRBS: 24.80 )
Ranked among companies with meaningful Net-margin (%) only.
GRBS' s 10-Year Net-margin (%) Range
Min: -1110.2   Max: 161.85
Current: 24.8

-1110.2
161.85
ROE (%) 14.10
GRBS's ROE (%) is ranked higher than
81% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.23 vs. GRBS: 14.10 )
Ranked among companies with meaningful ROE (%) only.
GRBS' s 10-Year ROE (%) Range
Min: -31.57   Max: 36.37
Current: 14.1

-31.57
36.37
ROA (%) 0.95
GRBS's ROA (%) is ranked higher than
61% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. GRBS: 0.95 )
Ranked among companies with meaningful ROA (%) only.
GRBS' s 10-Year ROA (%) Range
Min: -1.56   Max: 2.49
Current: 0.95

-1.56
2.49
ROC (Joel Greenblatt) (%) 108.11
GRBS's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. GRBS: 108.11 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
GRBS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -220.44   Max: 113.32
Current: 108.11

-220.44
113.32
Revenue Growth (3Y)(%) -7.80
GRBS's Revenue Growth (3Y)(%) is ranked lower than
82% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. GRBS: -7.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GRBS' s 10-Year Revenue Growth (3Y)(%) 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

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Ratios

vs
industry
vs
history
P/E(ttm) 10.20
GRBS's P/E(ttm) is ranked higher than
76% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. GRBS: 10.20 )
Ranked among companies with meaningful P/E(ttm) only.
GRBS' s 10-Year P/E(ttm) Range
Min: 1.35   Max: 25.34
Current: 10.2

1.35
25.34
PE(NRI) 10.20
GRBS's PE(NRI) is ranked higher than
76% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. GRBS: 10.20 )
Ranked among companies with meaningful PE(NRI) only.
GRBS' s 10-Year PE(NRI) Range
Min: 1.35   Max: 25.22
Current: 10.2

1.35
25.22
P/B 1.50
GRBS's P/B is ranked lower than
74% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. GRBS: 1.50 )
Ranked among companies with meaningful P/B only.
GRBS' s 10-Year P/B Range
Min: 0.35   Max: 3.22
Current: 1.5

0.35
3.22
P/S 2.10
GRBS's P/S is ranked higher than
72% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. GRBS: 2.10 )
Ranked among companies with meaningful P/S only.
GRBS' s 10-Year P/S Range
Min: 0.17   Max: 395
Current: 2.1

0.17
395
PFCF 7.80
GRBS's PFCF is ranked higher than
60% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.80 vs. GRBS: 7.80 )
Ranked among companies with meaningful PFCF only.
GRBS' s 10-Year PFCF Range
Min: 0.26   Max: 85.94
Current: 7.8

0.26
85.94
POCF 7.47
GRBS's POCF is ranked higher than
59% of the 961 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. GRBS: 7.47 )
Ranked among companies with meaningful POCF only.
GRBS' s 10-Year POCF Range
Min: 0.26   Max: 38.03
Current: 7.47

0.26
38.03
EV-to-EBIT 20.69
GRBS's EV-to-EBIT is ranked lower than
70% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.34 vs. GRBS: 20.69 )
Ranked among companies with meaningful EV-to-EBIT only.
GRBS' s 10-Year EV-to-EBIT Range
Min: -272.7   Max: 42.2
Current: 20.69

-272.7
42.2
Shiller P/E 60.00
GRBS's Shiller P/E is ranked lower than
95% of the 1029 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.00 vs. GRBS: 60.00 )
Ranked among companies with meaningful Shiller P/E only.
GRBS' s 10-Year Shiller P/E Range
Min: 8.62   Max: 61.32
Current: 60

8.62
61.32
Days Sales Outstanding 38.21
GRBS's Days Sales Outstanding is ranked lower than
55% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. GRBS: 38.21 )
Ranked among companies with meaningful Days Sales Outstanding only.
GRBS' s 10-Year Days Sales Outstanding Range
Min: 33.71   Max: 1559.82
Current: 38.21

33.71
1559.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
GRBS's Price/Tangible Book is ranked lower than
62% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. GRBS: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
GRBS' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 3.13
Current: 1.5

0.41
3.13
Price/DCF (Projected) 0.50
GRBS's Price/DCF (Projected) is ranked higher than
74% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. GRBS: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
GRBS' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.46
Current: 0.5

0.05
1.46
Price/Median PS Value 1.00
GRBS's Price/Median PS Value is ranked higher than
70% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. GRBS: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
GRBS' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 197.5
Current: 1

0.1
197.5
Price/Graham Number 0.70
GRBS's Price/Graham Number is ranked higher than
74% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. GRBS: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
GRBS' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.8
Current: 0.7

0.17
1.8
Earnings Yield (Greenblatt) 4.80
GRBS's Earnings Yield (Greenblatt) is ranked lower than
65% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. GRBS: 4.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
GRBS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 10.1
Current: 4.8

2.4
10.1

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. The Company 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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