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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 0.26
LION's Cash to Debt is ranked lower than
80% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. LION: 0.26 )
Ranked among companies with meaningful Cash to Debt only.
LION' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.38 Max: 2.48
Current: 0.26
0.12
2.48
Equity to Asset 0.08
LION's Equity to Asset is ranked lower than
70% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. LION: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
LION' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.07 Max: 0.1
Current: 0.08
0.03
0.1
Interest Coverage 3.89
LION's Interest Coverage is ranked higher than
73% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. LION: 3.89 )
Ranked among companies with meaningful Interest Coverage only.
LION' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.60 Max: 4.14
Current: 3.89
0.13
4.14
F-Score: 6
WACC vs ROIC
7.66%
7.50%
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 (%) 26.84
LION's Operating margin (%) is ranked lower than
62% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. LION: 26.84 )
Ranked among companies with meaningful Operating margin (%) only.
LION' s Operating margin (%) Range Over the Past 10 Years
Min: -33.31  Med: 18.71 Max: 29.38
Current: 26.84
-33.31
29.38
Net-margin (%) 17.10
LION's Net-margin (%) is ranked lower than
69% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. LION: 17.10 )
Ranked among companies with meaningful Net-margin (%) only.
LION' s Net-margin (%) Range Over the Past 10 Years
Min: -19.1  Med: 12.65 Max: 19.24
Current: 17.1
-19.1
19.24
ROE (%) 13.76
LION's ROE (%) is ranked higher than
81% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. LION: 13.76 )
Ranked among companies with meaningful ROE (%) only.
LION' s ROE (%) Range Over the Past 10 Years
Min: -10.43  Med: 9.13 Max: 12.47
Current: 13.76
-10.43
12.47
ROA (%) 1.15
LION's ROA (%) is ranked higher than
71% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. LION: 1.15 )
Ranked among companies with meaningful ROA (%) only.
LION' s ROA (%) Range Over the Past 10 Years
Min: -0.71  Med: 0.62 Max: 1.1
Current: 1.15
-0.71
1.1
Revenue Growth (3Y)(%) -1.00
LION's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. LION: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LION' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.1  Med: 1.85 Max: 11.8
Current: -1
-15.1
11.8
EBITDA Growth (3Y)(%) 13.60
LION's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. LION: 13.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LION' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.8  Med: 8.90 Max: 37
Current: 13.6
-16.8
37
EPS Growth (3Y)(%) 33.30
LION's EPS Growth (3Y)(%) is ranked higher than
87% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. LION: 33.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LION' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.3  Med: 9.70 Max: 46
Current: 33.3
-15.3
46
» LION's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2015

LION Guru Trades in Q2 2015

Jim Simons 484,260 sh (+32.98%)
Mario Gabelli 40,845 sh (+5.15%)
Chuck Royce 305,605 sh (-20.06%)
» More
Q3 2015

LION Guru Trades in Q3 2015

Jim Simons 500,071 sh (+3.26%)
Mario Gabelli 40,845 sh (unchged)
Chuck Royce 231,675 sh (-24.19%)
» More
Q4 2015

LION Guru Trades in Q4 2015

Mario Gabelli 40,114 sh (-1.79%)
Jim Simons 458,519 sh (-8.31%)
Chuck Royce 204,595 sh (-11.69%)
» 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) 8.65
LION's P/E(ttm) is ranked higher than
69% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. LION: 8.65 )
Ranked among companies with meaningful P/E(ttm) only.
LION' s P/E(ttm) Range Over the Past 10 Years
Min: 6.44  Med: 12.63 Max: 29.95
Current: 8.65
6.44
29.95
Forward P/E 8.40
LION's Forward P/E is ranked higher than
58% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. LION: 8.40 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.55
LION's PE(NRI) is ranked higher than
73% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. LION: 8.55 )
Ranked among companies with meaningful PE(NRI) only.
LION' s PE(NRI) Range Over the Past 10 Years
Min: 6.51  Med: 12.53 Max: 27.52
Current: 8.55
6.51
27.52
P/B 1.11
LION's P/B is ranked lower than
62% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. LION: 1.11 )
Ranked among companies with meaningful P/B only.
LION' s P/B Range Over the Past 10 Years
Min: 0.12  Med: 1.13 Max: 2.03
Current: 1.11
0.12
2.03
P/S 1.56
LION's P/S is ranked higher than
75% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. LION: 1.56 )
Ranked among companies with meaningful P/S only.
LION' s P/S Range Over the Past 10 Years
Min: 0.17  Med: 1.29 Max: 3.2
Current: 1.56
0.17
3.2
PFCF 47.17
LION's PFCF is ranked lower than
95% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. LION: 47.17 )
Ranked among companies with meaningful PFCF only.
LION' s PFCF Range Over the Past 10 Years
Min: 0.62  Med: 5.82 Max: 73.97
Current: 47.17
0.62
73.97
POCF 18.75
LION's POCF is ranked lower than
87% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. LION: 18.75 )
Ranked among companies with meaningful POCF only.
LION' s POCF Range Over the Past 10 Years
Min: 0.55  Med: 5.35 Max: 29.4
Current: 18.75
0.55
29.4
EV-to-EBIT 8.61
LION's EV-to-EBIT is ranked higher than
72% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. LION: 8.61 )
Ranked among companies with meaningful EV-to-EBIT only.
LION' s EV-to-EBIT Range Over the Past 10 Years
Min: -106.1  Med: 12.50 Max: 126.8
Current: 8.61
-106.1
126.8
EV-to-EBITDA 7.52
LION's EV-to-EBITDA is ranked higher than
73% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. LION: 7.52 )
Ranked among companies with meaningful EV-to-EBITDA only.
LION' s EV-to-EBITDA Range Over the Past 10 Years
Min: -36.8  Med: 10.80 Max: 145.3
Current: 7.52
-36.8
145.3
Shiller P/E 22.14
LION's Shiller P/E is ranked lower than
77% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. LION: 22.14 )
Ranked among companies with meaningful Shiller P/E only.
LION' s Shiller P/E Range Over the Past 10 Years
Min: 1.88  Med: 17.23 Max: 34.22
Current: 22.14
1.88
34.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.87
LION's Dividend Yield is ranked lower than
53% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. LION: 2.87 )
Ranked among companies with meaningful Dividend Yield only.
LION' s Dividend Yield Range Over the Past 10 Years
Min: 0.09  Med: 1.67 Max: 12.31
Current: 2.87
0.09
12.31
Dividend Payout 0.23
LION's Dividend Payout is ranked higher than
70% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. LION: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
LION' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.28 Max: 3.85
Current: 0.23
0.05
3.85
Dividend Growth (3y) 155.40
LION's Dividend Growth (3y) is ranked higher than
100% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. LION: 155.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
LION' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 155.4
Current: 155.4
0
155.4
Forward Dividend Yield 3.28
LION's Forward Dividend Yield is ranked higher than
51% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. LION: 3.28 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.87
LION's Yield on cost (5-Year) is ranked lower than
58% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. LION: 2.87 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LION' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.09  Med: 1.67 Max: 12.31
Current: 2.87
0.09
12.31
3-Year Average Share Buyback Ratio -16.10
LION's 3-Year Average Share Buyback Ratio is ranked lower than
84% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. LION: -16.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
LION' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -21.5  Med: -2.50 Max: -0.3
Current: -16.1
-21.5
-0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.56
LION's Price/Tangible Book is ranked lower than
76% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. LION: 1.56 )
Ranked among companies with meaningful Price/Tangible Book only.
LION' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.26  Med: 1.42 Max: 2.73
Current: 1.56
0.26
2.73
Price/Projected FCF 2.48
LION's Price/Projected FCF is ranked lower than
94% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. LION: 2.48 )
Ranked among companies with meaningful Price/Projected FCF only.
LION' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.74 Max: 84.29
Current: 2.48
0.18
84.29
Price/Median PS Value 1.19
LION's Price/Median PS Value is ranked lower than
79% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. LION: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
LION' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.28  Med: 1.05 Max: 2.67
Current: 1.19
0.28
2.67
Price/Peter Lynch Fair Value 0.57
LION's Price/Peter Lynch Fair Value is ranked higher than
67% of the 634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. LION: 0.57 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
LION' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.46  Med: 0.70 Max: 15.03
Current: 0.57
0.46
15.03
Price/Graham Number 0.78
LION's Price/Graham Number is ranked lower than
51% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. LION: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
LION' s Price/Graham Number Range Over the Past 10 Years
Min: 0.53  Med: 0.98 Max: 1.93
Current: 0.78
0.53
1.93
Earnings Yield (Greenblatt) (%) 11.63
LION's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. LION: 11.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LION' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 7.10 Max: 18.4
Current: 11.63
0.8
18.4
Forward Rate of Return (Yacktman) (%) 14.40
LION's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. LION: 14.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LION' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -47.1  Med: 11.45 Max: 51
Current: 14.4
-47.1
51

More Statistics

Revenue(Mil) $229
EPS $ 1.66
Beta1.17
Short Percentage of Float2.88%
52-Week Range $14.01 - 23.05
Shares Outstanding(Mil)23.07

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 1.70 1.74
EPS without NRI($) 1.70 1.74

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
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 

More From Other Websites
Fidelity Southern Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 25 2016
FIDELITY SOUTHERN CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 22 2016
Fidelity Southern Corporation Increases First Quarter Cash Dividend Jan 22 2016
Fidelity Southern Corporation Increases First Quarter Cash Dividend Jan 22 2016
Fidelity Southern posts 4Q profit Jan 21 2016
Fidelity Southern posts 4Q profit Jan 21 2016
Fidelity Southern Corporation Earns $6.8 Million In Fourth Quarter; Record $39.1 Million In 2015 Jan 21 2016
Fidelity Southern Corporation Earns $6.8 Million In Fourth Quarter; Record $39.1 Million In 2015 Jan 21 2016
Fidelity Southern Corp. breached its 50 day moving average in a Bearish Manner : January 5, 2016 Jan 05 2016
Which Georgia banks were the biggest market movers in 2015? Dec 24 2015
Fidelity Southern Corp. breached its 50 day moving average in a Bearish Manner : December 21, 2015 Dec 21 2015
FIDELITY SOUTHERN CORP Financials Dec 08 2015
Here is What Hedge Funds Think About Fidelity Southern Corporation (LION) Dec 05 2015
The Price Data Tells the Story - Research on Omeros, Fidelity Southern, Quotient Technology and... Nov 19 2015
FIDELITY SOUTHERN CORP Files SEC form 10-Q, Quarterly Report Nov 06 2015
Fidelity Southern Corp. Earnings Q3, 2015 Nov 05 2015
Recent Technical Updates on Financials Sector - Research on Fidelity Southern, Blackrock Energy and... Nov 03 2015
FIDELITY SOUTHERN CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Regulation FD... Oct 27 2015
Fidelity Southern and American Enterprise Bankshares Announce Merger Agreement Oct 26 2015
Fidelity Southern And American Enterprise Bankshares Announce Merger Agreement Oct 26 2015
Hilltop Holdings Expansion of Bank Business Offers Growth Oct 21 2015
Fidelity Southern Corp. breached its 50 day moving average in a Bearish Manner : October 21, 2015 Oct 21 2015
FIDELITY SOUTHERN CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 16 2015
Fidelity Southern Corporation Declares Fourth Quarter Cash Dividend Oct 16 2015
Fidelity Southern Corporation Earns $9.2 Million in Third Quarter Oct 15 2015
Fidelity Southern posts 3Q profit Oct 15 2015
Fidelity Southern posts 3Q profit Oct 15 2015
Fidelity Southern Corporation Earns $9.2 Million in Third Quarter Oct 15 2015
US regulators close small Georgia bank Oct 02 2015
Fidelity Southern Corporation Completes Acquisition of Eight Florida Branches Sep 14 2015
Fidelity Southern Q3 Dividend Jul 17 2015
Fidelity Southern Q2 2015 Earnings Jul 16 2015
Fidelity Southern posts 2Q profit Jul 16 2015
Fidelity Bank Announces Closing of $75.0 Million Subordinated Debt Offering Jun 30 2015
Fidelity Southern Corporation Announces Acquisition of Eight Florida Branches May 21 2015
Fidelity Southern Q2 Dividend Apr 20 2015
Fidelity Southern Q1 Earnings Apr 16 2015
Fidelity Southern posts 1Q profit Apr 16 2015
Fidelity Southern misses Street 4Q forecasts Jan 22 2015

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