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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 : 4/10

vs
industry
vs
history
Cash to Debt 2.28
PLMT's Cash to Debt is ranked higher than
57% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. PLMT: 2.28 )
Ranked among companies with meaningful Cash to Debt only.
PLMT' s 10-Year Cash to Debt Range
Min: 0.18  Med: 6.01 Max: No Debt
Current: 2.28
Equity to Asset 0.12
PLMT's Equity to Asset is ranked higher than
64% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PLMT: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
PLMT' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.09 Max: 0.12
Current: 0.12
0.04
0.12
Interest Coverage 28.34
PLMT's Interest Coverage is ranked higher than
94% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. PLMT: 28.34 )
Ranked among companies with meaningful Interest Coverage only.
PLMT' s 10-Year Interest Coverage Range
Min: 0.17  Med: 0.85 Max: 28.34
Current: 28.34
0.17
28.34
F-Score: 3
WACC vs ROIC
9.19%
9.57%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 30.72
PLMT's Operating margin (%) is ranked higher than
51% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. PLMT: 30.72 )
Ranked among companies with meaningful Operating margin (%) only.
PLMT' s 10-Year Operating margin (%) Range
Min: -107.84  Med: 22.53 Max: 35.77
Current: 30.72
-107.84
35.77
Net-margin (%) 19.01
PLMT's Net-margin (%) is ranked lower than
61% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. PLMT: 19.01 )
Ranked among companies with meaningful Net-margin (%) only.
PLMT' s 10-Year Net-margin (%) Range
Min: -105.49  Med: 18.51 Max: 50.32
Current: 19.01
-105.49
50.32
ROE (%) 7.54
PLMT's ROE (%) is ranked lower than
57% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. PLMT: 7.54 )
Ranked among companies with meaningful ROE (%) only.
PLMT' s 10-Year ROE (%) Range
Min: -63.73  Med: 7.28 Max: 24.96
Current: 7.54
-63.73
24.96
ROA (%) 0.89
PLMT's ROA (%) is ranked higher than
51% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PLMT: 0.89 )
Ranked among companies with meaningful ROA (%) only.
PLMT' s 10-Year ROA (%) Range
Min: -4.31  Med: 0.85 Max: 2.48
Current: 0.89
-4.31
2.48
Revenue Growth (3Y)(%) -3.60
PLMT's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PLMT: -3.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PLMT' s 10-Year Revenue Growth (3Y)(%) Range
Min: -52.6  Med: -30.20 Max: 4.5
Current: -3.6
-52.6
4.5
» PLMT's 10-Y Financials

Financials


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

» Details

Guru Trades

PLMT Guru Trades in

PLMT Guru Trades in

PLMT Guru Trades in

Q2 2015

PLMT Guru Trades in Q2 2015

Jim Simons 28,010 sh (New)
» More
» 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) 24.70
PLMT's P/E(ttm) is ranked lower than
85% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PLMT: 24.70 )
Ranked among companies with meaningful P/E(ttm) only.
PLMT' s 10-Year P/E(ttm) Range
Min: 5.49  Med: 20.12 Max: 228.59
Current: 24.7
5.49
228.59
PE(NRI) 24.40
PLMT's PE(NRI) is ranked lower than
85% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PLMT: 24.40 )
Ranked among companies with meaningful PE(NRI) only.
PLMT' s 10-Year PE(NRI) Range
Min: 5.48  Med: 20.01 Max: 243.83
Current: 24.4
5.48
243.83
P/B 1.78
PLMT's P/B is ranked lower than
87% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PLMT: 1.78 )
Ranked among companies with meaningful P/B only.
PLMT' s 10-Year P/B Range
Min: 0.62  Med: 1.37 Max: 1.9
Current: 1.78
0.62
1.9
P/S 4.66
PLMT's P/S is ranked lower than
80% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. PLMT: 4.66 )
Ranked among companies with meaningful P/S only.
PLMT' s 10-Year P/S Range
Min: 1.09  Med: 2.92 Max: 4.9
Current: 4.66
1.09
4.9
PFCF 16.72
PLMT's PFCF is ranked lower than
72% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. PLMT: 16.72 )
Ranked among companies with meaningful PFCF only.
PLMT' s 10-Year PFCF Range
Min: 2.86  Med: 6.51 Max: 21.14
Current: 16.72
2.86
21.14
POCF 15.39
PLMT's POCF is ranked lower than
77% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. PLMT: 15.39 )
Ranked among companies with meaningful POCF only.
PLMT' s 10-Year POCF Range
Min: 2.73  Med: 6.17 Max: 19.24
Current: 15.39
2.73
19.24
EV-to-EBIT 12.80
PLMT's EV-to-EBIT is ranked higher than
54% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. PLMT: 12.80 )
Ranked among companies with meaningful EV-to-EBIT only.
PLMT' s 10-Year EV-to-EBIT Range
Min: -13.4  Med: 12.05 Max: 34.1
Current: 12.8
-13.4
34.1
Days Sales Outstanding 23.26
PLMT's Days Sales Outstanding is ranked higher than
73% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. PLMT: 23.26 )
Ranked among companies with meaningful Days Sales Outstanding only.
PLMT' s 10-Year Days Sales Outstanding Range
Min: 21.21  Med: 29.16 Max: 35.59
Current: 23.26
21.21
35.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.51
PLMT's Dividend Yield is ranked lower than
76% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. PLMT: 1.51 )
Ranked among companies with meaningful Dividend Yield only.
PLMT' s 10-Year Dividend Yield Range
Min: 0.3  Med: 0.63 Max: 1.53
Current: 1.51
0.3
1.53
Dividend Payout 0.33
PLMT's Dividend Payout is ranked higher than
50% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PLMT: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
PLMT' s 10-Year Dividend Payout Range
Min: 0.19  Med: 0.36 Max: 0.5
Current: 0.33
0.19
0.5
Yield on cost (5-Year) 1.51
PLMT's Yield on cost (5-Year) is ranked lower than
78% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. PLMT: 1.51 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PLMT' s 10-Year Yield on cost (5-Year) Range
Min: 0.3  Med: 0.63 Max: 1.53
Current: 1.51
0.3
1.53
Share Buyback Rate -0.50
PLMT's Share Buyback Rate is ranked higher than
65% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PLMT: -0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
PLMT' s 10-Year Share Buyback Rate Range
Min: -0.1  Med: -34.90 Max: -98.7
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
PLMT's Price/Tangible Book is ranked lower than
81% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PLMT: 1.80 )
Ranked among companies with meaningful Price/Tangible Book only.
PLMT' s 10-Year Price/Tangible Book Range
Min: 0.63  Med: 1.38 Max: 1.85
Current: 1.8
0.63
1.85
Price/Projected FCF 0.72
PLMT's Price/Projected FCF is ranked lower than
56% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PLMT: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
PLMT' s 10-Year Price/Projected FCF Range
Min: 0.24  Med: 0.50 Max: 0.74
Current: 0.72
0.24
0.74
Price/Median PS Value 1.60
PLMT's Price/Median PS Value is ranked lower than
91% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PLMT: 1.60 )
Ranked among companies with meaningful Price/Median PS Value only.
PLMT' s 10-Year Price/Median PS Value Range
Min: 0.38  Med: 1.00 Max: 1.64
Current: 1.6
0.38
1.64
Price/Graham Number 1.40
PLMT's Price/Graham Number is ranked lower than
87% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. PLMT: 1.40 )
Ranked among companies with meaningful Price/Graham Number only.
PLMT' s 10-Year Price/Graham Number Range
Min: 0.6  Med: 1.17 Max: 3.3
Current: 1.4
0.6
3.3
Earnings Yield (Greenblatt) (%) 7.80
PLMT's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PLMT: 7.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PLMT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.9  Med: 8.20 Max: 21472.2
Current: 7.8
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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