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5.75 (1y: +202%)
Market Cap 39.3 M P/E(ttm) 11.20
Enterprise Value 49.64 M P/B 1.00
SOCB- NAS (USA)
Southcoast Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$5.75
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.296
SOCB's Cash to Debt is ranked lower than
80% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. SOCB: 0.296 )
SOCB' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.3
Equity to Asset 0.078
SOCB's Equity to Asset is ranked lower than
68% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SOCB: 0.078 )
SOCB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.08
0.07
0.18
Interest Coverage No Debt
SOCB's Interest Coverage is ranked lower than
51% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SOCB: No Debt )
SOCB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.17
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 21.90
SOCB's Operating margin (%) is ranked lower than
70% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. SOCB: 21.90 )
SOCB' s 10-Year Operating margin (%) Range
Min: -80.6   Max: 39.3
Current: 21.9
-80.6
39.3
Net-margin (%) 21.1
SOCB's Net-margin (%) is ranked higher than
56% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. SOCB: 21.1 )
SOCB' s 10-Year Net-margin (%) Range
Min: -109.5   Max: 25.2
Current: 21.1
-109.5
25.2
ROE (%) 10.3
SOCB's ROE (%) is ranked higher than
73% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SOCB: 10.3 )
SOCB' s 10-Year ROE (%) Range
Min: -53.5   Max: 10.3
Current: 10.3
-53.5
10.3
ROA (%) 0.8
SOCB's ROA (%) is ranked higher than
56% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SOCB: 0.8 )
SOCB' s 10-Year ROA (%) Range
Min: -3.9   Max: 1
Current: 0.8
-3.9
1
Revenue Growth (%) -1.7
SOCB's Revenue Growth (%) is ranked lower than
290697% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. SOCB: -1.7 )
SOCB' s 10-Year Revenue Growth (%) Range
Min: -8.5   Max: 33.3
Current: -1.7
-8.5
33.3
ยป SOCB's 10-Y Financials

Financials


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

» Details

Guru Trades

SOCB Guru Trades in

SOCB Guru Trades in

SOCB Guru Trades in

Q1 2013

SOCB Guru Trades in Q1 2013

Jim Simons 14,185 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with SOCB



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 11.20
SOCB's P/E(ttm) is ranked higher than
71% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. SOCB: 11.20 )
SOCB' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 190.86
Current: 11.2
7.21
190.86
P/B 1.00
SOCB's P/B is ranked lower than
53% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SOCB: 1.00 )
SOCB' s 10-Year P/B Range
Min: 0.2   Max: 2.68
Current: 1
0.2
2.68
P/S 2.10
SOCB's P/S is ranked higher than
60% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. SOCB: 2.10 )
SOCB' s 10-Year P/S Range
Min: 0.47   Max: 7.25
Current: 2.1
0.47
7.25
PFCF 10.70
SOCB's PFCF is ranked lower than
67% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SOCB: 10.70 )
SOCB' s 10-Year PFCF Range
Min: 0.62   Max: 61.17
Current: 10.7
0.62
61.17
EV-to-EBIT 14.9
SOCB's EV-to-EBIT is ranked higher than
54% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. SOCB: 14.9 )
SOCB' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 147.7
Current: 14.9
2.9
147.7
Shiller P/E 112.8
SOCB's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. SOCB: 112.8 )
SOCB' s 10-Year Shiller P/E Range
Min: 4.34   Max: 109.1
Current: 112.8
4.34
109.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
SOCB's Price/Tangible Book is ranked higher than
55% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SOCB: 1 )
SOCB' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.1
Current: 1
0.2
2.1
Price/DCF (Projected) 0.7
SOCB's Price/DCF (Projected) is ranked lower than
73% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SOCB: 0.7 )
SOCB' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.2
Current: 0.7
0.1
1.2
Price/Median PS Value 0.8
SOCB's Price/Median PS Value is ranked higher than
67% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SOCB: 0.8 )
SOCB' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 2.3
Current: 0.8
0.2
2.3
Price/Graham Number 0.7
SOCB's Price/Graham Number is ranked higher than
62% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SOCB: 0.7 )
SOCB' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.7
Current: 0.7
0.6
1.7
Earnings Yield (Greenblatt) 6.70
SOCB's Earnings Yield (Greenblatt) is ranked higher than
53% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SOCB: 6.70 )
SOCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 34.1
Current: 6.7
0.7
34.1
Forward Rate of Return (Yacktman) 6.9
SOCB's Forward Rate of Return (Yacktman) is ranked lower than
81% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. SOCB: 6.9 )
SOCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.8   Max: 37.6
Current: 6.9
4.8
37.6

Business Description

Southcoast Financial Corporation is a South Carolina corporation organized in 1999 under the laws of South Carolina for the purpose of being a holding company for Southcoast Community Bank (the Bank). The Bank offers a full array of commercial banking services. Deposit services include business and personal checking accounts, NOW accounts, savings accounts, money market accounts, various term certificates of deposit, IRA accounts, and other deposit services. Most of the Bank's deposits are attracted from individuals and small businesses. The Bank does not offer trust services. The Bank operates from its offices in Mt. Pleasant, Charleston, Moncks Corner, Johns Island, Summerville, Goose Creek and North Charleston, South Carolina. The Bank offers secured and unsecured, short-to-intermediate term loans, with floating and fixed interest rates for commercial, consumer and residential purposes. Consumer loans include, among others: car loans, home equity improvement loans (secured by first and second mortgages), personal expenditure loans, education loans, overdraft lines of credit, and the like. The Bank makes commercial loans to small and middle market businesses. Commercial loans may be unsecured if they are of short duration and made to a customer with demonstrated ability to pay, but most often they are secured. Collateral for commercial loans may be listed securities, equipment, inventory, accounts receivable or other business assets but would usually be local real estate. The Bank usually makes commercial loans to businesses to provide working capital, expand physical assets or acquire assets. Commercial loans would typically not exceed a 20-year maturity and would usually have regular amortization payments. Commercial loans to most business entities require guarantees by their principals. The Bank also makes loans guaranteed by the U. S. Small Business Administration. The Bank makes loans secured by real estate mortgages that are usually for the acquisition, improvement or construction and development of residential and other properties. Residential real estate loans consist mainly of first and second mortgage loans on single family homes, with some mortgage loans on multifamily homes. Real estate construction loans typically consist of financing for the construction of 1-4 family dwellings and some non-farm, non-residential real estate. Other services the Bank offers include residential mortgage loan origination services, safe deposit boxes, business courier service, night depository service, telephone banking, MasterCard brand credit cards, tax deposits, and 24-hour automated teller machines. Bank holding companies and banks are extensively regulated under federal and state law.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for SOCB

Headlines

Articles On GuruFocus.com
Southcoast Financial Corp. (SOCB) CEO Lewis Wayne Pearson buys 2,395 Shares Feb 01 2011 
Southcoast Financial Corp. Reports Operating Results (10-Q) May 13 2010 
Southcoast Financial Corp. (SOCB) COO William Benjamin Seabrook buys 3,900 Shares Mar 04 2010 
Southcoast Financial Corp. (SOCB) COO William Benjamin Seabrook buys 1,000 Shares Feb 24 2010 
Southcoast Financial Corp. (SOCB) COO William Benjamin Seabrook buys 1,000 Shares Feb 19 2010 
Southcoast Financial Corp. (SOCB) COO William Benjamin Seabrook buys 2,000 Shares Feb 18 2010 
Southcoast Financial Corp. (SOCB) COO William Benjamin Seabrook buys 2,100 Shares Feb 09 2010 
Weekly CFO Buys Highlight: Enterprise Financial Services Corp., Schulman Inc., Southcoast Financial Jan 17 2010 
Southcoast Financial Corp. (SOCB) CEO Lewis Wayne Pearson buys 1,976 Shares Jan 13 2010 
Southcoast Financial Corp. Reports Operating Results (10-Q) Nov 13 2009 

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