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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 0.52
SOCB's Cash to Debt is ranked lower than
65% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. SOCB: 0.52 )
Ranked among companies with meaningful Cash to Debt only.
SOCB' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.25 Max: No Debt
Current: 0.52
Equity to Asset 0.10
SOCB's Equity to Asset is ranked higher than
52% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SOCB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SOCB' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.10 Max: 0.16
Current: 0.1
0.06
0.16
Interest Coverage 1.49
SOCB's Interest Coverage is ranked lower than
52% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. SOCB: 1.49 )
Ranked among companies with meaningful Interest Coverage only.
SOCB' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.58 Max: 1.49
Current: 1.49
0.09
1.49
F-Score: 4
WACC vs ROIC
6.11%
5.41%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 42.16
SOCB's Operating margin (%) is ranked higher than
74% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. SOCB: 42.16 )
Ranked among companies with meaningful Operating margin (%) only.
SOCB' s 10-Year Operating margin (%) Range
Min: -222.32  Med: 18.78 Max: 39.25
Current: 42.16
-222.32
39.25
Net-margin (%) 28.86
SOCB's Net-margin (%) is ranked higher than
70% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. SOCB: 28.86 )
Ranked among companies with meaningful Net-margin (%) only.
SOCB' s 10-Year Net-margin (%) Range
Min: -130.72  Med: 15.87 Max: 56.43
Current: 28.86
-130.72
56.43
ROE (%) 11.01
SOCB's ROE (%) is ranked higher than
67% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. SOCB: 11.01 )
Ranked among companies with meaningful ROE (%) only.
SOCB' s 10-Year ROE (%) Range
Min: -43.03  Med: 6.30 Max: 23.6
Current: 11.01
-43.03
23.6
ROA (%) 1.09
SOCB's ROA (%) is ranked higher than
66% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SOCB: 1.09 )
Ranked among companies with meaningful ROA (%) only.
SOCB' s 10-Year ROA (%) Range
Min: -3.64  Med: 0.73 Max: 2.05
Current: 1.09
-3.64
2.05
Revenue Growth (3Y)(%) 3.20
SOCB's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SOCB: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SOCB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.3  Med: 3.90 Max: 155.3
Current: 3.2
-11.3
155.3
» SOCB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

SOCB Guru Trades in Q3 2014

Jim Simons 53,055 sh (+11.33%)
» More
Q4 2014

SOCB Guru Trades in Q4 2014

Jim Simons 57,655 sh (+8.67%)
» More
Q1 2015

SOCB Guru Trades in Q1 2015

Jim Simons 61,755 sh (+7.11%)
» More
Q2 2015

SOCB Guru Trades in Q2 2015

Jim Simons 63,955 sh (+3.56%)
» More
» Details

Insider Trades

Latest Guru Trades with SOCB

(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) 17.31
SOCB's P/E(ttm) is ranked lower than
71% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SOCB: 17.31 )
Ranked among companies with meaningful P/E(ttm) only.
SOCB' s 10-Year P/E(ttm) Range
Min: 3.67  Med: 21.25 Max: 105.24
Current: 17.31
3.67
105.24
PE(NRI) 17.30
SOCB's PE(NRI) is ranked lower than
71% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SOCB: 17.30 )
Ranked among companies with meaningful PE(NRI) only.
SOCB' s 10-Year PE(NRI) Range
Min: 3.67  Med: 21.08 Max: 232.3
Current: 17.3
3.67
232.3
P/B 1.79
SOCB's P/B is ranked lower than
87% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SOCB: 1.79 )
Ranked among companies with meaningful P/B only.
SOCB' s 10-Year P/B Range
Min: 0.2  Med: 1.01 Max: 2.34
Current: 1.79
0.2
2.34
P/S 5.00
SOCB's P/S is ranked lower than
82% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. SOCB: 5.00 )
Ranked among companies with meaningful P/S only.
SOCB' s 10-Year P/S Range
Min: 0.47  Med: 2.81 Max: 7.15
Current: 5
0.47
7.15
PFCF 31.99
SOCB's PFCF is ranked lower than
88% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. SOCB: 31.99 )
Ranked among companies with meaningful PFCF only.
SOCB' s 10-Year PFCF Range
Min: 0.63  Med: 12.02 Max: 1462.9
Current: 31.99
0.63
1462.9
POCF 31.99
SOCB's POCF is ranked lower than
93% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. SOCB: 31.99 )
Ranked among companies with meaningful POCF only.
SOCB' s 10-Year POCF Range
Min: 0.56  Med: 8.25 Max: 68.74
Current: 31.99
0.56
68.74
EV-to-EBIT 17.49
SOCB's EV-to-EBIT is ranked lower than
64% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. SOCB: 17.49 )
Ranked among companies with meaningful EV-to-EBIT only.
SOCB' s 10-Year EV-to-EBIT Range
Min: -12634  Med: 22.70 Max: 147.7
Current: 17.49
-12634
147.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
SOCB'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. SOCB: 1.80 )
Ranked among companies with meaningful Price/Tangible Book only.
SOCB' s 10-Year Price/Tangible Book Range
Min: 0.24  Med: 1.08 Max: 2.23
Current: 1.8
0.24
2.23
Price/Projected FCF 1.00
SOCB's Price/Projected FCF is ranked lower than
77% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SOCB: 1.00 )
Ranked among companies with meaningful Price/Projected FCF only.
SOCB' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 0.73 Max: 20.05
Current: 1
0.15
20.05
Price/Median PS Value 1.78
SOCB's Price/Median PS Value is ranked lower than
93% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SOCB: 1.78 )
Ranked among companies with meaningful Price/Median PS Value only.
SOCB' s 10-Year Price/Median PS Value Range
Min: 0.18  Med: 0.99 Max: 2.89
Current: 1.78
0.18
2.89
Price/Graham Number 1.18
SOCB's Price/Graham Number is ranked lower than
78% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SOCB: 1.18 )
Ranked among companies with meaningful Price/Graham Number only.
SOCB' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 1.16 Max: 1.74
Current: 1.18
0.39
1.74
Earnings Yield (Greenblatt) (%) 5.71
SOCB's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SOCB: 5.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SOCB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 3.60 Max: 8.5
Current: 5.71
0.7
8.5
Forward Rate of Return (Yacktman) (%) -25.91
SOCB's Forward Rate of Return (Yacktman) (%) is ranked lower than
94% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. SOCB: -25.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SOCB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -34.4  Med: 7.35 Max: 43.7
Current: -25.91
-34.4
43.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southcoast Financial Corp is a South Carolina corporation organized in 1999 under the laws of South Carolina. It is a holding company for Southcoast Community Bank or 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. 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, 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 loans are of short duration and made to a customer with demonstrated ability to pay, but often loans 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. 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. The bank holding companies and banks are regulated under federal and state law.
» More Articles for SOCB

Headlines

Articles On GuruFocus.com
comment on SOCB Mar 06 2013 
comment on SOCB Aug 10 2011 
Insider buying, no g Aug 09 2011 
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 

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