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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

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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

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Operating margin (%) -297.01
PABK's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PABK: -297.01 )
PABK' s 10-Year Operating margin (%) Range
Min: 0   Max: 0
Current: -297.01

Net-margin (%) -313.28
PABK's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PABK: -313.28 )
PABK' s 10-Year Net-margin (%) Range
Min: 0   Max: 0
Current: -313.28

ROE (%) -119.89
PABK's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PABK: -119.89 )
PABK' s 10-Year ROE (%) Range
Min: 0   Max: 0
Current: -119.89

ROA (%) -5.41
PABK's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PABK: -5.41 )
PABK' s 10-Year ROA (%) Range
Min: 0   Max: 0
Current: -5.41

» PABK's 10-Y Financials

Financials


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

» Details

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Ratios

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Valuation & Return

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Business Description

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PAB Bankshares, Inc. was organized and incorporated in 1982 under the laws of the State of Georgia. It is the holding Company for The Park Avenue Bank. The bank offers traditional banking products and services to commercial and individual customers in its markets. Its product line includes, among other things, loans to small- and medium-sized businesses, residential and commercial construction and development loans, commercial real estate loans, farmland and agricultural production loans, residential mortgage loans, home equity loans, consumer loans, and a number of commercial and consumer demand, savings and time deposit products. It also offers internet banking, on-line cash management, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, remote depository products and the availability of a network of ATMs to its customers. In addition, through an agreement with a third-party broker-dealer and investment advisory firm, it is able to offer securities brokerage and investment advisory services to its customers. The Company also owns PAB Bankshares Capital Trust II, a Delaware statutory business trust. This non-operating subsidiary's sole purpose is issuing trust preferred securities and investing the proceeds in subordinated debt issued by the company. It faces competitive pressures from both larger regional banks and smaller community banks and thrifts in attracting and retaining commercial and consumer accounts.
» More Articles for PABK

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