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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
PLMT's Cash to Debt is ranked higher than
90% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PLMT: No Debt )
PLMT' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: No Debt

Equity to Asset 0.12
PLMT's Equity to Asset is ranked higher than
83% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PLMT: 0.12 )
PLMT' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.12
Current: 0.12

0.04
0.12
Interest Coverage 4.12
PLMT's Interest Coverage is ranked higher than
88% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PLMT: 4.12 )
PLMT' s 10-Year Interest Coverage Range
Min: 0.17   Max: 4.12
Current: 4.12

0.17
4.12
F-Score: 4
Z-Score: 0.21
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 : 4/10

vs
industry
vs
history
Operating margin (%) 20.95
PLMT's Operating margin (%) is ranked higher than
62% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. PLMT: 20.95 )
PLMT' s 10-Year Operating margin (%) Range
Min: -107.84   Max: 35.77
Current: 20.95

-107.84
35.77
Net-margin (%) 14.74
PLMT's Net-margin (%) is ranked higher than
62% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. PLMT: 14.74 )
PLMT' s 10-Year Net-margin (%) Range
Min: -105.49   Max: 50.32
Current: 14.74

-105.49
50.32
ROE (%) 6.21
PLMT's ROE (%) is ranked higher than
66% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. PLMT: 6.21 )
PLMT' s 10-Year ROE (%) Range
Min: -63.73   Max: 24.96
Current: 6.21

-63.73
24.96
ROA (%) 0.72
PLMT's ROA (%) is ranked higher than
70% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PLMT: 0.72 )
PLMT' s 10-Year ROA (%) Range
Min: -4.31   Max: 2.48
Current: 0.72

-4.31
2.48
ROC (Joel Greenblatt) (%) 48.66
PLMT's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. PLMT: 48.66 )
PLMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -213.27   Max: 189.46
Current: 48.66

-213.27
189.46
Revenue Growth (3Y)(%) -32.80
PLMT's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PLMT: -32.80 )
PLMT' s 10-Year Revenue Growth (3Y)(%) Range
Min: -52.6   Max: 4.5
Current: -32.8

-52.6
4.5
» PLMT's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with PLMT

(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) 26.80
PLMT's P/E(ttm) is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. PLMT: 26.80 )
PLMT' s 10-Year P/E(ttm) Range
Min: 5.49   Max: 228.59
Current: 26.8

5.49
228.59
P/B 1.60
PLMT's P/B is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. PLMT: 1.60 )
PLMT' s 10-Year P/B Range
Min: 0.62   Max: 1.87
Current: 1.6

0.62
1.87
P/S 4.01
PLMT's P/S is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. PLMT: 4.01 )
PLMT' s 10-Year P/S Range
Min: 1.09   Max: 3.97
Current: 4.01

1.09
3.97
PFCF 10.74
PLMT's PFCF is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PLMT: 10.74 )
PLMT' s 10-Year PFCF Range
Min: 2.86   Max: 17.28
Current: 10.74

2.86
17.28
EV-to-EBIT 14.93
PLMT's EV-to-EBIT is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. PLMT: 14.93 )
PLMT' s 10-Year EV-to-EBIT Range
Min: -13.4   Max: 34.1
Current: 14.93

-13.4
34.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.59
PLMT's Dividend Yield is ranked lower than
92% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. PLMT: 0.59 )
PLMT' s 10-Year Dividend Yield Range
Min: 0.3   Max: 0.37
Current: 0.59

0.3
0.37
Dividend Payout 0.08
PLMT's Dividend Payout is ranked higher than
97% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. PLMT: 0.08 )
PLMT' s 10-Year Dividend Payout Range
Min: 0.33   Max: 0.33
Current: 0.08

Yield on cost (5-Year) 0.60
PLMT's Yield on cost (5-Year) is ranked lower than
89% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. PLMT: 0.60 )
PLMT' s 10-Year Yield on cost (5-Year) Range
Min: 0.3   Max: 0.37
Current: 0.6

0.3
0.37
Share Buyback Rate -47.10
PLMT's Share Buyback Rate is ranked higher than
50% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. PLMT: -47.10 )
PLMT' s 10-Year Share Buyback Rate Range
Min: -0.1   Max: -98.7
Current: -47.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
PLMT's Price/Tangible Book is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. PLMT: 1.60 )
PLMT' s 10-Year Price/Tangible Book Range
Min: 0.63   Max: 1.68
Current: 1.6

0.63
1.68
Price/DCF (Projected) 0.64
PLMT's Price/DCF (Projected) is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. PLMT: 0.64 )
PLMT' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 0.55
Current: 0.64

0.24
0.55
Price/Median PS Value 1.48
PLMT's Price/Median PS Value is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. PLMT: 1.48 )
PLMT' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 1.28
Current: 1.48

0.42
1.28
Price/Graham Number 1.38
PLMT's Price/Graham Number is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PLMT: 1.38 )
PLMT' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 3.3
Current: 1.38

0.6
3.3
Earnings Yield (Greenblatt) 6.70
PLMT's Earnings Yield (Greenblatt) is ranked higher than
75% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PLMT: 6.70 )
PLMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.9   Max: 21472.2
Current: 6.7

2.9
21472.2

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Palmetto Bancshares Inc is a South Carolina bank holding company organized in 1982. The Company serves as the bank holding company for the Bank, which began operations in 1906. Through its Retail, Commercial and Wealth Management businesses, the Bank specializes in providing financial solutions to consumers and businesses with deposit and cash management products, loans (including consumer, Small Business Administration, commercial, corporate, mortgage, credit card and automobile), lines of credit, trust, brokerage, private banking, financial planning and insurance throughout its primary market area of nine counties located in northwest South Carolina which includes the counties of Abbeville, Anderson, Cherokee, Greenville, Greenwood, Laurens, Oconee, Pickens and Spartanburg. Its primary market area is located in the Upstate of South Carolina. It is engaged in the business of commercial and retail banking through its 25 branches in the Upstate. It also has 27 automatic teller machines ("ATMs") including three deposit-accepting ATMs and six limited service offices located in retirement centers and other facilities in the Upstate. The Company faces substantial competition from national, regional and other community banks. It also face competition from many other types of financial institutions including savings and loan associations, finance companies, credit unions, mortgage banks and other financial intermediaries as well as full-service and discount brokerage firms. The Company is subject to extensive regulation under federal and state laws.
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