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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 0.19
HBOS's Cash to Debt is ranked lower than
85% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. HBOS: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
HBOS' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.42 Max: N/A
Current: 0.19
Equity to Asset 0.09
HBOS's Equity to Asset is ranked lower than
61% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HBOS: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
HBOS' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.12 Max: 0.19
Current: 0.09
0.09
0.19
Interest Coverage 1.31
HBOS's Interest Coverage is ranked lower than
56% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HBOS: 1.31 )
Ranked among companies with meaningful Interest Coverage only.
HBOS' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.68 Max: 2.17
Current: 1.31
0.13
2.17
F-Score: 3
WACC vs ROIC
6.37%
4.01%
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 (%) 14.59
HBOS's Operating margin (%) is ranked lower than
80% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. HBOS: 14.59 )
Ranked among companies with meaningful Operating margin (%) only.
HBOS' s 10-Year Operating margin (%) Range
Min: -165.74  Med: 10.17 Max: 27.72
Current: 14.59
-165.74
27.72
Net-margin (%) 9.87
HBOS's Net-margin (%) is ranked lower than
83% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. HBOS: 9.87 )
Ranked among companies with meaningful Net-margin (%) only.
HBOS' s 10-Year Net-margin (%) Range
Min: -7.38  Med: 12.77 Max: 37.34
Current: 9.87
-7.38
37.34
ROE (%) 6.80
HBOS's ROE (%) is ranked lower than
60% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. HBOS: 6.80 )
Ranked among companies with meaningful ROE (%) only.
HBOS' s 10-Year ROE (%) Range
Min: -2.69  Med: 4.61 Max: 9.28
Current: 6.8
-2.69
9.28
ROA (%) 0.62
HBOS's ROA (%) is ranked lower than
62% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HBOS: 0.62 )
Ranked among companies with meaningful ROA (%) only.
HBOS' s 10-Year ROA (%) Range
Min: -0.31  Med: 0.57 Max: 1.04
Current: 0.62
-0.31
1.04
ROC (Joel Greenblatt) (%) 32.95
HBOS's ROC (Joel Greenblatt) (%) is ranked lower than
72% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. HBOS: 32.95 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HBOS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -43.31  Med: 17.48 Max: 48.64
Current: 32.95
-43.31
48.64
Revenue Growth (3Y)(%) 25.50
HBOS's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. HBOS: 25.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HBOS' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 11.20 Max: 65.2
Current: 25.5
0
65.2
EBITDA Growth (3Y)(%) 28.80
HBOS's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. HBOS: 28.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HBOS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -63.65 Max: 109.6
Current: 28.8
0
109.6
EPS Growth (3Y)(%) 26.40
HBOS's EPS Growth (3Y)(%) is ranked higher than
81% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HBOS: 26.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HBOS' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -95.55 Max: 106.6
Current: 26.4
0
106.6
» HBOS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

HBOS Guru Trades in Q2 2014

Jim Simons 120,329 sh (+5.83%)
» More
Q3 2014

HBOS Guru Trades in Q3 2014

Jim Simons 130,485 sh (+8.44%)
» More
Q4 2014

HBOS Guru Trades in Q4 2014

Jim Simons 175,285 sh (+34.33%)
» More
Q1 2015

HBOS Guru Trades in Q1 2015

Jim Simons 216,200 sh (+23.34%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 25.21
HBOS's P/E(ttm) is ranked lower than
84% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. HBOS: 25.21 )
Ranked among companies with meaningful P/E(ttm) only.
HBOS' s 10-Year P/E(ttm) Range
Min: 9.7  Med: 35.97 Max: 1581.43
Current: 25.21
9.7
1581.43
Forward P/E 12.17
HBOS's Forward P/E is ranked higher than
52% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. HBOS: 12.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.90
HBOS's PE(NRI) is ranked lower than
84% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. HBOS: 25.90 )
Ranked among companies with meaningful PE(NRI) only.
HBOS' s 10-Year PE(NRI) Range
Min: 9.72  Med: 35.86 Max: 1107
Current: 25.9
9.72
1107
P/B 1.70
HBOS's P/B is ranked lower than
83% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. HBOS: 1.70 )
Ranked among companies with meaningful P/B only.
HBOS' s 10-Year P/B Range
Min: 0.72  Med: 1.50 Max: 3.01
Current: 1.7
0.72
3.01
P/S 2.47
HBOS's P/S is ranked higher than
60% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. HBOS: 2.47 )
Ranked among companies with meaningful P/S only.
HBOS' s 10-Year P/S Range
Min: 1.45  Med: 2.87 Max: 21.28
Current: 2.47
1.45
21.28
EV-to-EBIT 28.92
HBOS's EV-to-EBIT is ranked lower than
81% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. HBOS: 28.92 )
Ranked among companies with meaningful EV-to-EBIT only.
HBOS' s 10-Year EV-to-EBIT Range
Min: -371.9  Med: 13.10 Max: 121.2
Current: 28.92
-371.9
121.2
Shiller P/E 46.54
HBOS's Shiller P/E is ranked lower than
92% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. HBOS: 46.54 )
Ranked among companies with meaningful Shiller P/E only.
HBOS' s 10-Year Shiller P/E Range
Min: 36.85  Med: 68.80 Max: 149.25
Current: 46.54
36.85
149.25
Days Sales Outstanding 71.90
HBOS's Days Sales Outstanding is ranked lower than
69% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. HBOS: 71.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
HBOS' s 10-Year Days Sales Outstanding Range
Min: 28.38  Med: 45.05 Max: 657.64
Current: 71.9
28.38
657.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.93
HBOS's Dividend Yield is ranked lower than
90% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. HBOS: 0.93 )
Ranked among companies with meaningful Dividend Yield only.
HBOS' s 10-Year Dividend Yield Range
Min: 0.22  Med: 1.31 Max: 5.71
Current: 0.93
0.22
5.71
Dividend Payout 0.23
HBOS's Dividend Payout is ranked higher than
69% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. HBOS: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
HBOS' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.63 Max: 4.5
Current: 0.23
0.13
4.5
Dividend growth (3y) 32.60
HBOS's Dividend growth (3y) is ranked higher than
85% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HBOS: 32.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
HBOS' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -62.30 Max: 77.6
Current: 32.6
0
77.6
Yield on cost (5-Year) 0.93
HBOS's Yield on cost (5-Year) is ranked lower than
89% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. HBOS: 0.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HBOS' s 10-Year Yield on cost (5-Year) Range
Min: 0.22  Med: 1.31 Max: 5.71
Current: 0.93
0.22
5.71
Share Buyback Rate 0.80
HBOS's Share Buyback Rate is ranked higher than
81% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. HBOS: 0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
HBOS' s 10-Year Share Buyback Rate Range
Min: 0  Med: 5.20 Max: -2103.4
Current: 0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.01
HBOS's Price/Tangible Book is ranked lower than
84% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HBOS: 2.01 )
Ranked among companies with meaningful Price/Tangible Book only.
HBOS' s 10-Year Price/Tangible Book Range
Min: 0.76  Med: 1.57 Max: 3.01
Current: 2.01
0.76
3.01
Price/Median PS Value 0.86
HBOS's Price/Median PS Value is ranked higher than
81% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HBOS: 0.86 )
Ranked among companies with meaningful Price/Median PS Value only.
HBOS' s 10-Year Price/Median PS Value Range
Min: 0.53  Med: 1.06 Max: 7.3
Current: 0.86
0.53
7.3
Price/Graham Number 1.57
HBOS's Price/Graham Number is ranked lower than
90% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. HBOS: 1.57 )
Ranked among companies with meaningful Price/Graham Number only.
HBOS' s 10-Year Price/Graham Number Range
Min: 0.68  Med: 1.60 Max: 4.52
Current: 1.57
0.68
4.52
Earnings Yield (Greenblatt) (%) 3.55
HBOS's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HBOS: 3.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HBOS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 3.90 Max: 891.7
Current: 3.55
0.8
891.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Heritage Financial Group Inc was incorporated in May 2010. The Company mainly conducts commercial banking, retail banking and wealth management activities through its wholly owned subsidiary, HeritageBank of the South or Bank. As of December 31, 2013, HeritageBank operated in Georgia, Florida and Alabama through 27 full-service branch locations, 14 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 is engaged on high net worth individuals and small business owners. The commercial banking department is composed of seasoned commercial lenders and a support staff. Its mortgage lending department originates residential mortgage loans that are mainly sold in the secondary market. 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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