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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 0.86
HBOS's Cash to Debt is ranked higher than
73% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. HBOS: 0.86 )
HBOS' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.86

Equity to Asset 0.09
HBOS's Equity to Asset is ranked higher than
70% of the 1732 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HBOS: 0.09 )
HBOS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.19
Current: 0.09

0.09
0.19
Interest Coverage 2.17
HBOS's Interest Coverage is ranked higher than
77% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. HBOS: 2.17 )
HBOS' s 10-Year Interest Coverage Range
Min: 0.13   Max: 2.17
Current: 2.17

0.13
2.17
F-Score: 2
Z-Score: 0.22
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 (%) 14.23
HBOS's Operating margin (%) is ranked higher than
57% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. HBOS: 14.23 )
HBOS' s 10-Year Operating margin (%) Range
Min: -165.74   Max: 27.72
Current: 14.23

-165.74
27.72
Net-margin (%) 10.21
HBOS's Net-margin (%) is ranked higher than
56% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. HBOS: 10.21 )
HBOS' s 10-Year Net-margin (%) Range
Min: -7.38   Max: 37.34
Current: 10.21

-7.38
37.34
ROE (%) 5.96
HBOS's ROE (%) is ranked higher than
67% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. HBOS: 5.96 )
HBOS' s 10-Year ROE (%) Range
Min: -2.72   Max: 9.96
Current: 5.96

-2.72
9.96
ROA (%) 0.53
HBOS's ROA (%) is ranked higher than
65% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HBOS: 0.53 )
HBOS' s 10-Year ROA (%) Range
Min: -0.29   Max: 1.25
Current: 0.53

-0.29
1.25
ROC (Joel Greenblatt) (%) 28.49
HBOS's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. HBOS: 28.49 )
HBOS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -79.54   Max: 42.11
Current: 28.49

-79.54
42.11
Revenue Growth (%) 38.10
HBOS's Revenue Growth (%) is ranked higher than
99% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. HBOS: 38.10 )
HBOS' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 65.2
Current: 38.1

0
65.2
EBITDA Growth (%) 109.60
HBOS's EBITDA Growth (%) is ranked higher than
99% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBOS: 109.60 )
HBOS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 109.6
Current: 109.6

0
109.6
EPS Growth (%) 106.60
HBOS's EPS Growth (%) is ranked higher than
99% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HBOS: 106.60 )
HBOS' s 10-Year EPS Growth (%) Range
Min: 0   Max: 106.6
Current: 106.6

0
106.6
» HBOS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

HBOS Guru Trades in Q3 2013

Jim Simons 98,300 sh (+25.38%)
» More
Q4 2013

HBOS Guru Trades in Q4 2013

Jim Simons 104,600 sh (+6.41%)
» More
Q1 2014

HBOS Guru Trades in Q1 2014

Jim Simons 113,702 sh (+8.7%)
» More
Q2 2014

HBOS Guru Trades in Q2 2014

Jim Simons 120,329 sh (+5.83%)
» More
» Details

Insider Trades

Latest Guru Trades with HBOS

(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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.50
HBOS's P/E(ttm) is ranked higher than
60% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. HBOS: 19.50 )
HBOS' s 10-Year P/E(ttm) Range
Min: 9.7   Max: 1581.43
Current: 19.5

9.7
1581.43
P/B 1.21
HBOS's P/B is ranked higher than
67% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HBOS: 1.21 )
HBOS' s 10-Year P/B Range
Min: 0.72   Max: 3.01
Current: 1.21

0.72
3.01
P/S 2.00
HBOS's P/S is ranked higher than
85% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. HBOS: 2.00 )
HBOS' s 10-Year P/S Range
Min: 1.45   Max: 21.28
Current: 2

1.45
21.28
EV-to-EBIT 21.73
HBOS's EV-to-EBIT is ranked higher than
69% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. HBOS: 21.73 )
HBOS' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 121.2
Current: 21.73

0.1
121.2
Shiller P/E 43.13
HBOS's Shiller P/E is ranked higher than
53% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. HBOS: 43.13 )
HBOS' s 10-Year Shiller P/E Range
Min: 38.94   Max: 149.25
Current: 43.13

38.94
149.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
HBOS's Dividend Yield is ranked lower than
81% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. HBOS: 1.10 )
HBOS' s 10-Year Dividend Yield Range
Min: 0.36   Max: 5.71
Current: 1.1

0.36
5.71
Dividend Payout 0.14
HBOS's Dividend Payout is ranked higher than
92% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. HBOS: 0.14 )
HBOS' s 10-Year Dividend Payout Range
Min: 0.13   Max: 4.5
Current: 0.14

0.13
4.5
Dividend growth (3y) -100.00
HBOS's Dividend growth (3y) is ranked higher than
54% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. HBOS: -100.00 )
HBOS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 77.6
Current: -100

0
77.6
Yield on cost (5-Year) 1.10
HBOS's Yield on cost (5-Year) is ranked lower than
80% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. HBOS: 1.10 )
HBOS' s 10-Year Yield on cost (5-Year) Range
Min: 0.36   Max: 5.71
Current: 1.1

0.36
5.71
Share Buyback Rate 3.70
HBOS's Share Buyback Rate is ranked higher than
97% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HBOS: 3.70 )
HBOS' s 10-Year Share Buyback Rate Range
Min: 0   Max: -2103.4
Current: 3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
HBOS's Price/Tangible Book is ranked higher than
76% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. HBOS: 1.27 )
HBOS' s 10-Year Price/Tangible Book Range
Min: 0.76   Max: 3.01
Current: 1.27

0.76
3.01
Price/DCF (Projected) 9.50
HBOS's Price/DCF (Projected) is ranked lower than
55% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HBOS: 9.50 )
HBOS' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 9.22
Current: 9.5

0.48
9.22
Price/Median PS Value 0.64
HBOS's Price/Median PS Value is ranked higher than
97% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. HBOS: 0.64 )
HBOS' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 6.71
Current: 0.64

0.49
6.71
Price/Graham Number 1.07
HBOS's Price/Graham Number is ranked higher than
64% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. HBOS: 1.07 )
HBOS' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 4.52
Current: 1.07

0.68
4.52
Earnings Yield (Greenblatt) 4.60
HBOS's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HBOS: 4.60 )
HBOS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 891.7
Current: 4.6

0.8
891.7
Forward Rate of Return (Yacktman) 3.06
HBOS's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. HBOS: 3.06 )
HBOS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.8   Max: 6.5
Current: 3.06

0.8
6.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Heritage Financial Group, Inc., was formed in February 2002. The Company mainly conducts commercial banking, retail banking and wealth management activities through its wholly owned subsidiary, HeritageBank of the South ('Bank'). As of December 31, 2012, HeritageBank operated in south Georgia, north central Florida and eastern Alabama through 20 full-service branch locations, 13 mortgage offices and 4 investment offices. HeritageBank provides credit based products, deposit accounts, corporate cash management, investment support and other services to commercial and retail clients. The Company's core business is composed of: Commercial Banking and Small Business Lending, Retail Banking, Brokerage/Investment Services and Mortgage Lending. It focuses on the commercial real estate and business needs of individuals and small to medium-sized businesses in its market area. In addition, it focuses on high net worth individuals and small business owners. The commercial banking department is composed of seasoned commercial lenders and a support staff with extensive commercial banking experience. It currently operates a branch network with each office staffed with knowledgeable banking professionals who strive to deliver quality service. Its mortgage lending department originates residential mortgage loans that are mainly sold in the secondary market through 13 production offices throughout central and southern Georgia, north central Florida and east Alabama. It collects a fee on the origination of these loans. It offers investment products, life, health, disability and long-term care insurance through its brokerage department. It faces strong competition in originating commercial, real estate and other loans and in attracting deposits. Competition in originating real estate loans comes mainly from other banks, credit unions and mortgage bankers. Other banks, credit unions and finance companies also provide vigorous competition in consumer and commercial lending. The Company and MHC are subject to regulation and examination by the Georgia Department of Banking and Finance.
» More Articles for HBOS

Headlines

Articles On GuruFocus.com
Heritage Financial Group (HBOS) CFO T Heath Fountain buys 2,500 Shares Dec 01 2010 
Heritage Financial Group Reports Operating Results (10-Q) May 17 2010 
Heritage Financial Group Reports Operating Results (10-Q) Nov 16 2009 
Heritage Financial Group Agrees to Purchase Lake City Branch from Atlantic Coast Federal Corporation Sep 02 2009 
Heritage Financial Group Reports Operating Results (10-Q) Aug 14 2009 
Heritage Financial Group Reports Operating Results (10-Q) May 14 2009 
Heritage Financial Corporation of Olympia, Washington Announces Fourth Quarter and Full Year 2008 Re Jan 27 2009 
Heritage Financial Group Reports Fourth Quarter Net Income Jan 23 2009 
Heritage Financial Corporation Announces Earnings Conference Call Jan 08 2009 

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