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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 0.35
LION's Cash to Debt is ranked lower than
75% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. LION: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
LION' s 10-Year Cash to Debt Range
Min: 0.12  Med: 0.39 Max: 2.48
Current: 0.35
0.12
2.48
Equity to Asset 0.09
LION's Equity to Asset is ranked lower than
58% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LION: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
LION' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.07 Max: 0.1
Current: 0.09
0.03
0.1
Interest Coverage 4.14
LION's Interest Coverage is ranked higher than
75% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. LION: 4.14 )
Ranked among companies with meaningful Interest Coverage only.
LION' s 10-Year Interest Coverage Range
Min: 0.08  Med: 0.28 Max: 4.14
Current: 4.14
0.08
4.14
F-Score: 3
WACC vs ROIC
9.28%
9.34%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 26.71
LION's Operating margin (%) is ranked lower than
57% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. LION: 26.71 )
Ranked among companies with meaningful Operating margin (%) only.
LION' s 10-Year Operating margin (%) Range
Min: -33.31  Med: 13.40 Max: 29.38
Current: 26.71
-33.31
29.38
Net-margin (%) 17.19
LION's Net-margin (%) is ranked lower than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. LION: 17.19 )
Ranked among companies with meaningful Net-margin (%) only.
LION' s 10-Year Net-margin (%) Range
Min: -19.1  Med: 9.37 Max: 22.85
Current: 17.19
-19.1
22.85
ROE (%) 13.42
LION's ROE (%) is ranked higher than
79% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. LION: 13.42 )
Ranked among companies with meaningful ROE (%) only.
LION' s 10-Year ROE (%) Range
Min: -23.36  Med: 6.80 Max: 17.61
Current: 13.42
-23.36
17.61
ROA (%) 1.20
LION's ROA (%) is ranked higher than
73% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. LION: 1.20 )
Ranked among companies with meaningful ROA (%) only.
LION' s 10-Year ROA (%) Range
Min: -1.01  Med: 0.55 Max: 1.11
Current: 1.2
-1.01
1.11
ROC (Joel Greenblatt) (%) 95.99
LION's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. LION: 95.99 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
LION' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -92.93  Med: 23.63 Max: 88.18
Current: 95.99
-92.93
88.18
Revenue Growth (3Y)(%) -1.20
LION's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. LION: -1.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LION' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.1  Med: 1.40 Max: 12
Current: -1.2
-15.1
12
EBITDA Growth (3Y)(%) 13.60
LION's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. LION: 13.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LION' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -18.3  Med: 2.90 Max: 37
Current: 13.6
-18.3
37
EPS Growth (3Y)(%) 33.30
LION's EPS Growth (3Y)(%) is ranked higher than
85% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. LION: 33.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LION' s 10-Year EPS Growth (3Y)(%) Range
Min: -25.5  Med: 4.45 Max: 46.3
Current: 33.3
-25.5
46.3
» LION's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

LION Guru Trades in Q4 2014

Jim Simons 381,157 sh (+14.25%)
Mario Gabelli 38,845 sh (unchged)
Chuck Royce 382,305 sh (-0.78%)
» More
Q1 2015

LION Guru Trades in Q1 2015

Chuck Royce 382,305 sh (unchged)
Mario Gabelli 38,845 sh (unchged)
Jim Simons 364,169 sh (-4.46%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.77
LION's P/E(ttm) is ranked higher than
58% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. LION: 12.77 )
Ranked among companies with meaningful P/E(ttm) only.
LION' s 10-Year P/E(ttm) Range
Min: 6.45  Med: 12.92 Max: 28.63
Current: 12.77
6.45
28.63
Forward P/E 9.69
LION's Forward P/E is ranked higher than
72% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. LION: 9.69 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.60
LION's PE(NRI) is ranked higher than
58% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. LION: 12.60 )
Ranked among companies with meaningful PE(NRI) only.
LION' s 10-Year PE(NRI) Range
Min: 6.51  Med: 12.87 Max: 28.2
Current: 12.6
6.51
28.2
P/B 1.47
LION's P/B is ranked lower than
73% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. LION: 1.47 )
Ranked among companies with meaningful P/B only.
LION' s 10-Year P/B Range
Min: 0.12  Med: 1.13 Max: 2.3
Current: 1.47
0.12
2.3
P/S 2.21
LION's P/S is ranked higher than
70% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. LION: 2.21 )
Ranked among companies with meaningful P/S only.
LION' s 10-Year P/S Range
Min: 0.17  Med: 1.29 Max: 3.64
Current: 2.21
0.17
3.64
EV-to-EBIT 10.50
LION's EV-to-EBIT is ranked higher than
68% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. LION: 10.50 )
Ranked among companies with meaningful EV-to-EBIT only.
LION' s 10-Year EV-to-EBIT Range
Min: -106.1  Med: 13.60 Max: 126.8
Current: 10.5
-106.1
126.8
Shiller P/E 21.63
LION's Shiller P/E is ranked lower than
68% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. LION: 21.63 )
Ranked among companies with meaningful Shiller P/E only.
LION' s 10-Year Shiller P/E Range
Min: 2.44  Med: 21.77 Max: 63.57
Current: 21.63
2.44
63.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.97
LION's Dividend Yield is ranked lower than
64% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. LION: 1.97 )
Ranked among companies with meaningful Dividend Yield only.
LION' s 10-Year Dividend Yield Range
Min: 0.09  Med: 1.59 Max: 12.3
Current: 1.97
0.09
12.3
Dividend Payout 0.24
LION's Dividend Payout is ranked higher than
68% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. LION: 0.24 )
Ranked among companies with meaningful Dividend Payout only.
LION' s 10-Year Dividend Payout Range
Min: 0.05  Med: 0.28 Max: 2.66
Current: 0.24
0.05
2.66
Dividend growth (3y) 155.40
LION's Dividend growth (3y) is ranked higher than
100% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. LION: 155.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
LION' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 155.4
Current: 155.4
0
155.4
Yield on cost (5-Year) 1.97
LION's Yield on cost (5-Year) is ranked lower than
68% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. LION: 1.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LION' s 10-Year Yield on cost (5-Year) Range
Min: 0.09  Med: 1.59 Max: 12.3
Current: 1.97
0.09
12.3
Share Buyback Rate -16.30
LION's Share Buyback Rate is ranked lower than
84% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. LION: -16.30 )
Ranked among companies with meaningful Share Buyback Rate only.
LION' s 10-Year Share Buyback Rate Range
Min: -0.3  Med: -2.60 Max: -21.5
Current: -16.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.95
LION's Price/Tangible Book is ranked lower than
81% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. LION: 1.95 )
Ranked among companies with meaningful Price/Tangible Book only.
LION' s 10-Year Price/Tangible Book Range
Min: 0.26  Med: 1.42 Max: 2.73
Current: 1.95
0.26
2.73
Price/Projected FCF 8.37
LION's Price/Projected FCF is ranked lower than
99% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. LION: 8.37 )
Ranked among companies with meaningful Price/Projected FCF only.
LION' s 10-Year Price/Projected FCF Range
Min: 0.18  Med: 0.73 Max: 294.95
Current: 8.37
0.18
294.95
Price/Median PS Value 1.70
LION's Price/Median PS Value is ranked lower than
91% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. LION: 1.70 )
Ranked among companies with meaningful Price/Median PS Value only.
LION' s 10-Year Price/Median PS Value Range
Min: 0.28  Med: 1.05 Max: 2.67
Current: 1.7
0.28
2.67
Price/Peter Lynch Fair Value 0.78
LION's Price/Peter Lynch Fair Value is ranked higher than
65% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. LION: 0.78 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
LION' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46  Med: 0.70 Max: 15.03
Current: 0.78
0.46
15.03
Price/Graham Number 1.00
LION's Price/Graham Number is ranked lower than
62% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. LION: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
LION' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 0.94 Max: 2.16
Current: 1
0.39
2.16
Earnings Yield (Greenblatt) (%) 9.52
LION's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. LION: 9.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LION' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 6.10 Max: 18.4
Current: 9.52
0.8
18.4
Forward Rate of Return (Yacktman) (%) 9.55
LION's Forward Rate of Return (Yacktman) (%) is ranked lower than
59% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. LION: 9.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LION' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -47  Med: 8.60 Max: 50.9
Current: 9.55
-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 NAS: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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