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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

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Interest Coverage 1.67
GRBS's Interest Coverage is ranked lower than
99.99% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. GRBS: 1.67 )
Ranked among companies with meaningful Interest Coverage only.
GRBS' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.67
Current: 1.67
0
1.67
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 : 2/10

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» GRBS'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 » Savings & Cooperative Banks
Compare:OTCPK:WEFP, NAS:EQFN, OTCPK:EKFC, OTCPK:MBCQ, NAS:WVFC, NAS:CFBK, OTCBB:PBCP, NAS:WAYN, NAS:GTWN, OTCPK:FIRT, OTCPK:FNFI, NAS:CARV, OTCPK:BHWB, NAS:HFBL, OTCPK:SNNY, NAS:BYFC, NAS:JXSB, OTCPK:HWEN, NAS:PBHC, OTCPK:VLLX » details
Greer Bancshares Inc is a holding company for Greer State Bank. The Company holds its investment in the bank. The Bank operates under a state bank charter & provides full banking services.

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 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.

Ratios

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Dividend & Buy Back

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Dividend Yield 1.67
GRBS's Dividend Yield is ranked lower than
76% of the 2190 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. GRBS: 1.67 )
Ranked among companies with meaningful Dividend Yield only.
GRBS' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.67
Current: 1.67
0
1.67
Forward Dividend Yield 6.67
GRBS's Forward Dividend Yield is ranked higher than
89% of the 2073 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.13 vs. GRBS: 6.67 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.67
GRBS's Yield on cost (5-Year) is ranked lower than
77% of the 2538 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. GRBS: 1.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GRBS' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.67
Current: 1.67
0
1.67

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $14.11
EPS (TTM) $ 1.13
Beta-0.12
Short Percentage of Float0.00%
52-Week Range $9.10 - 13.49
Shares Outstanding (Mil)2.49

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