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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.74
LION's Cash to Debt is ranked higher than
71% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. LION: 0.74 )
LION' s 10-Year Cash to Debt Range
Min: 0.12   Max: 2.48
Current: 0.74

0.12
2.48
Equity to Asset 0.09
LION's Equity to Asset is ranked higher than
63% of the 1967 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. LION: 0.09 )
LION' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.1
Current: 0.09

0.03
0.1
Interest Coverage 3.06
LION's Interest Coverage is ranked higher than
84% of the 1806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. LION: 3.06 )
LION' s 10-Year Interest Coverage Range
Min: 0.08   Max: 3.06
Current: 3.06

0.08
3.06
F-Score: 2
Z-Score: 0.25
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 : 6/10

vs
industry
vs
history
Operating margin (%) 23.37
LION's Operating margin (%) is ranked higher than
66% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.56 vs. LION: 23.37 )
LION' s 10-Year Operating margin (%) Range
Min: -33.31   Max: 29.38
Current: 23.37

-33.31
29.38
Net-margin (%) 15.16
LION's Net-margin (%) is ranked higher than
63% of the 1979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.62 vs. LION: 15.16 )
LION' s 10-Year Net-margin (%) Range
Min: -19.1   Max: 22.85
Current: 15.16

-19.1
22.85
ROE (%) 10.93
LION's ROE (%) is ranked higher than
84% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. LION: 10.93 )
LION' s 10-Year ROE (%) Range
Min: -23.36   Max: 18.74
Current: 10.93

-23.36
18.74
ROA (%) 1.00
LION's ROA (%) is ranked higher than
82% of the 1992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. LION: 1.00 )
LION' s 10-Year ROA (%) Range
Min: -1.01   Max: 1.11
Current: 1

-1.01
1.11
ROC (Joel Greenblatt) (%) 83.80
LION's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.50 vs. LION: 83.80 )
LION' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -60.53   Max: 135.85
Current: 83.8

-60.53
135.85
Revenue Growth (3Y)(%) 2.60
LION's Revenue Growth (3Y)(%) is ranked higher than
80% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. LION: 2.60 )
LION' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.1   Max: 11.6
Current: 2.6

-15.1
11.6
EBITDA Growth (3Y)(%) 23.60
LION's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. LION: 23.60 )
LION' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -18.3   Max: 37
Current: 23.6

-18.3
37
EPS Growth (3Y)(%) 33.40
LION's EPS Growth (3Y)(%) is ranked higher than
93% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. LION: 33.40 )
LION' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.5   Max: 46.3
Current: 33.4

-29.5
46.3
» LION's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

LION Guru Trades in Q4 2013

Chuck Royce 414,860 sh (+20.12%)
Jim Simons 329,413 sh (+1.57%)
Mario Gabelli 38,847 sh (+0.4%)
» More
Q1 2014

LION Guru Trades in Q1 2014

Chuck Royce 426,537 sh (+2.41%)
Mario Gabelli 38,845 sh (-0.4%)
Jim Simons 327,822 sh (-0.88%)
» More
Q2 2014

LION Guru Trades in Q2 2014

Mario Gabelli 38,845 sh (unchged)
Jim Simons 326,950 sh (-0.27%)
Chuck Royce 393,305 sh (-7.79%)
» More
Q3 2014

LION Guru Trades in Q3 2014

Jim Simons 333,619 sh (+2.04%)
Mario Gabelli 38,845 sh (unchged)
Chuck Royce 385,305 sh (-2.03%)
» More
» Details

Insider Trades

Latest Guru Trades with LION

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



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
LION's P/E(ttm) is ranked higher than
82% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.50 vs. LION: 14.20 )
LION' s 10-Year P/E(ttm) Range
Min: 6.45   Max: 29.95
Current: 14.2

6.45
29.95
P/B 1.34
LION's P/B is ranked higher than
72% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.39 vs. LION: 1.34 )
LION' s 10-Year P/B Range
Min: 0.12   Max: 2.3
Current: 1.34

0.12
2.3
P/S 2.16
LION's P/S is ranked higher than
87% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.69 vs. LION: 2.16 )
LION' s 10-Year P/S Range
Min: 0.17   Max: 3.64
Current: 2.16

0.17
3.64
EV-to-EBIT 9.20
LION's EV-to-EBIT is ranked higher than
90% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.04 vs. LION: 9.20 )
LION' s 10-Year EV-to-EBIT Range
Min: -106.1   Max: 126.8
Current: 9.2

-106.1
126.8
Shiller P/E 30.19
LION's Shiller P/E is ranked higher than
81% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LION: 30.19 )
LION' s 10-Year Shiller P/E Range
Min: 2.5   Max: 65.92
Current: 30.19

2.5
65.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.85
LION's Dividend Yield is ranked lower than
59% of the 1885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.29 vs. LION: 1.85 )
LION' s 10-Year Dividend Yield Range
Min: 0.09   Max: 12.3
Current: 1.85

0.09
12.3
Dividend Payout 0.21
LION's Dividend Payout is ranked higher than
85% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. LION: 0.21 )
LION' s 10-Year Dividend Payout Range
Min: 0.05   Max: 2.66
Current: 0.21

0.05
2.66
Yield on cost (5-Year) 1.90
LION's Yield on cost (5-Year) is ranked lower than
59% of the 1898 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.54 vs. LION: 1.90 )
LION' s 10-Year Yield on cost (5-Year) Range
Min: 0.09   Max: 12.3
Current: 1.9

0.09
12.3
Share Buyback Rate -15.80
LION's Share Buyback Rate is ranked higher than
55% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. LION: -15.80 )
LION' s 10-Year Share Buyback Rate Range
Min: -0.3   Max: -21.5
Current: -15.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
LION's Price/Tangible Book is ranked higher than
70% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. LION: 1.76 )
LION' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 2.73
Current: 1.76

0.26
2.73
Price/DCF (Projected) 5.53
LION's Price/DCF (Projected) is ranked higher than
73% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.06 vs. LION: 5.53 )
LION' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 84.27
Current: 5.53

0.18
84.27
Price/Median PS Value 1.76
LION's Price/Median PS Value is ranked higher than
65% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. LION: 1.76 )
LION' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 2.79
Current: 1.76

0.29
2.79
Price/Graham Number 1.01
LION's Price/Graham Number is ranked higher than
78% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. LION: 1.01 )
LION' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 2.16
Current: 1.01

0.39
2.16
Earnings Yield (Greenblatt) 10.90
LION's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. LION: 10.90 )
LION' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 18.4
Current: 10.9

0.8
18.4
Forward Rate of Return (Yacktman) 12.34
LION's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1236 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. LION: 12.34 )
LION' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -47   Max: 50.9
Current: 12.34

-47
50.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Fidelity Southern Cor operates as the bank holding company for Fidelity Bank. The Company through Fidelity Bank and LionMark Insurance Company, offers financial products and services to businesses and retail customers in Atlanta, Georgia. The Bank was organized as a national banking corporation in 1973 and converted to a Georgia chartered state bank in 2003. Its franchise covers the metropolitan Atlanta market and also one branch office in Jacksonville, Florida. In addition, it conducts indirect automobile lending, residential mortgage lending and SBA lending activities in eleven Southern states. The Bank accepts various deposit products, including savings deposits, noninterest-bearing demand deposits, interest-bearing demand deposits, money market accounts, time deposits, and brokered time deposits. It also offers various loan products comprising commercial and industrial loans, commercial loans secured by real estate, small business administration loans, construction and residential real estate loans, direct and indirect automobile loans, residential mortgage and home equity loans, and secured and unsecured installment loans, as well as provides credit card services and brokerage services. In addition, the company offers international trade services, such as letters of credit, foreign currency drafts, foreign and documentary collections, export finance, and international wire transfers; trust services; and merchant services through agreements with third parties, as well as investment services through an agreement with an independent broker-dealer. Further, it provides Internet banking services, which include online bill pay and Internet cash management services to individuals and businesses, as well as remote deposit services. Additionally, the company, through its subsidiaries, operates as an insurance agency offering consumer credit related insurance products; and issues trust preferred securities.
» More Articles for LION

Headlines

Articles On GuruFocus.com
comment on LION May 12 2013 
Fidelity Southern Corp. New Reports Operating Results (10-K) Mar 17 2011 
Fidelity Southern Corp. New Reports Operating Results (10-Q) Nov 08 2010 
Fidelity Southern Corp. New Reports Operating Results (10-Q) Aug 06 2010 
Fidelity Southern Corp. New Reports Operating Results (10-Q) May 07 2010 
Fidelity Southern Corp. New Reports Operating Results (10-Q) Nov 06 2009 
Fidelity Southern Corp. New Reports Operating Results (10-Q) Aug 07 2009 
Fidelity Southern Corp. New Reports Operating Results (10-Q) May 08 2009 

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