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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 0.30
SOCB's Cash to Debt is ranked lower than
81% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 vs. SOCB: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
SOCB' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.26 Max: No Debt
Current: 0.3
Equity to Asset 0.11
SOCB's Equity to Asset is ranked higher than
59% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SOCB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
SOCB' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.1 Max: 0.16
Current: 0.11
0.06
0.16
Interest Coverage 1.51
SOCB's Interest Coverage is ranked lower than
53% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SOCB: 1.51 )
Ranked among companies with meaningful Interest Coverage only.
SOCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.28  Med: 0.7 Max: 1.85
Current: 1.51
0.28
1.85
F-Score: 4
M-Score: -2.47
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.40
SOCB's Operating margin (%) is ranked lower than
55% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. SOCB: 28.40 )
Ranked among companies with meaningful Operating margin (%) only.
SOCB' s Operating margin (%) Range Over the Past 10 Years
Min: -80.61  Med: 18.68 Max: 38.62
Current: 28.4
-80.61
38.62
Net-margin (%) 18.01
SOCB's Net-margin (%) is ranked lower than
65% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 vs. SOCB: 18.01 )
Ranked among companies with meaningful Net-margin (%) only.
SOCB' s Net-margin (%) Range Over the Past 10 Years
Min: -109.46  Med: 20.71 Max: 56.43
Current: 18.01
-109.46
56.43
ROE (%) 6.42
SOCB's ROE (%) is ranked lower than
64% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. SOCB: 6.42 )
Ranked among companies with meaningful ROE (%) only.
SOCB' s ROE (%) Range Over the Past 10 Years
Min: -43.03  Med: 5.61 Max: 23.6
Current: 6.42
-43.03
23.6
ROA (%) 0.67
SOCB's ROA (%) is ranked lower than
64% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SOCB: 0.67 )
Ranked among companies with meaningful ROA (%) only.
SOCB' s ROA (%) Range Over the Past 10 Years
Min: -3.64  Med: 0.76 Max: 2.05
Current: 0.67
-3.64
2.05
Revenue Growth (3Y)(%) 4.30
SOCB's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. SOCB: 4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SOCB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.2  Med: 3.5 Max: 154.3
Current: 4.3
-11.2
154.3
EBITDA Growth (3Y)(%) 16.10
SOCB's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SOCB: 16.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SOCB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -48.4  Med: 16.1 Max: 59.1
Current: 16.1
-48.4
59.1
EPS Growth (3Y)(%) 4.70
SOCB's EPS Growth (3Y)(%) is ranked lower than
58% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SOCB: 4.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SOCB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.6  Med: 6.1 Max: 404.1
Current: 4.7
-71.6
404.1
» SOCB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2015

SOCB Guru Trades in Q3 2015

Jim Simons 76,555 sh (+19.70%)
» More
Q4 2015

SOCB Guru Trades in Q4 2015

Jim Simons 112,772 sh (+47.31%)
» More
Q1 2016

SOCB Guru Trades in Q1 2016

Jim Simons 112,555 sh (-0.19%)
» More
Q2 2016

SOCB Guru Trades in Q2 2016

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with SOCB

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:EVBS, NAS:FCCO, NAS:ASBB, NAS:OPOF, NAS:CHEV, NAS:FCCY, NAS:PKBK, OTCPK:CWBB, NAS:UBFO, OTCPK:FRAF, NAS:ACFC, NAS:AUBN, NAS:NBN, NAS:CLBH, NAS:FBMS, OTCPK:ENBP, NAS:UNTY, NAS:SLCT, NAS:CBFV, NAS:NWFL » details
Southcoast Financial Corp through its Southcoast Community Bank offers a full array of commercial banking services. Deposit services include business and personal checking accounts, NOW accounts, savings accounts, money market accounts etc.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 30.48
SOCB's P/E(ttm) is ranked lower than
89% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. SOCB: 30.48 )
Ranked among companies with meaningful P/E(ttm) only.
SOCB' s P/E(ttm) Range Over the Past 10 Years
Min: 3.67  Med: 21.3 Max: 105.17
Current: 30.48
3.67
105.17
PE(NRI) 30.48
SOCB's PE(NRI) is ranked lower than
90% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. SOCB: 30.48 )
Ranked among companies with meaningful PE(NRI) only.
SOCB' s PE(NRI) Range Over the Past 10 Years
Min: 3.67  Med: 21.15 Max: 232
Current: 30.48
3.67
232
Price/Owner Earnings (ttm) 18.11
SOCB's Price/Owner Earnings (ttm) is ranked lower than
74% of the 830 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. SOCB: 18.11 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SOCB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.82  Med: 15.62 Max: 113.45
Current: 18.11
3.82
113.45
P/B 1.87
SOCB's P/B is ranked lower than
86% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SOCB: 1.87 )
Ranked among companies with meaningful P/B only.
SOCB' s P/B Range Over the Past 10 Years
Min: 0.2  Med: 1 Max: 2.17
Current: 1.87
0.2
2.17
P/S 5.44
SOCB's P/S is ranked lower than
84% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SOCB: 5.44 )
Ranked among companies with meaningful P/S only.
SOCB' s P/S Range Over the Past 10 Years
Min: 0.47  Med: 2.76 Max: 8.24
Current: 5.44
0.47
8.24
PFCF 41.85
SOCB's PFCF is ranked lower than
94% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.53 vs. SOCB: 41.85 )
Ranked among companies with meaningful PFCF only.
SOCB' s PFCF Range Over the Past 10 Years
Min: 0.62  Med: 12.88 Max: 2136.67
Current: 41.85
0.62
2136.67
POCF 24.68
SOCB's POCF is ranked lower than
90% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. SOCB: 24.68 )
Ranked among companies with meaningful POCF only.
SOCB' s POCF Range Over the Past 10 Years
Min: 0.55  Med: 10.54 Max: 81.9
Current: 24.68
0.55
81.9
EV-to-EBIT 30.32
SOCB's EV-to-EBIT is ranked lower than
86% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. SOCB: 30.32 )
Ranked among companies with meaningful EV-to-EBIT only.
SOCB' s EV-to-EBIT Range Over the Past 10 Years
Min: -12649.9  Med: 22.7 Max: 147.8
Current: 30.32
-12649.9
147.8
EV-to-EBITDA 26.48
SOCB's EV-to-EBITDA is ranked lower than
86% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. SOCB: 26.48 )
Ranked among companies with meaningful EV-to-EBITDA only.
SOCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -167.8  Med: 21.65 Max: 181.7
Current: 26.48
-167.8
181.7
Shiller P/E 1244.52
SOCB's Shiller P/E is ranked lower than
100% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. SOCB: 1244.52 )
Ranked among companies with meaningful Shiller P/E only.
SOCB' s Shiller P/E Range Over the Past 10 Years
Min: 5.48  Med: 95.92 Max: 1578
Current: 1244.52
5.48
1578

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.10
SOCB's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SOCB: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SOCB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -39  Med: -1.4 Max: 8.9
Current: -0.1
-39
8.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.87
SOCB's Price/Tangible Book is ranked lower than
82% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SOCB: 1.87 )
Ranked among companies with meaningful Price/Tangible Book only.
SOCB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.24  Med: 1.1 Max: 2.23
Current: 1.87
0.24
2.23
Price/Projected FCF 1.25
SOCB's Price/Projected FCF is ranked lower than
88% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SOCB: 1.25 )
Ranked among companies with meaningful Price/Projected FCF only.
SOCB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.76 Max: 6.16
Current: 1.25
0.16
6.16
Price/Median PS Value 1.98
SOCB's Price/Median PS Value is ranked lower than
95% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SOCB: 1.98 )
Ranked among companies with meaningful Price/Median PS Value only.
SOCB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.18  Med: 1.16 Max: 2.71
Current: 1.98
0.18
2.71
Price/Graham Number 1.59
SOCB's Price/Graham Number is ranked lower than
90% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SOCB: 1.59 )
Ranked among companies with meaningful Price/Graham Number only.
SOCB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.39  Med: 1.18 Max: 1.73
Current: 1.59
0.39
1.73
Earnings Yield (Greenblatt) (%) 3.30
SOCB's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. SOCB: 3.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SOCB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 3.4 Max: 8.5
Current: 3.3
0.7
8.5
Forward Rate of Return (Yacktman) (%) -25.01
SOCB's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 vs. SOCB: -25.01 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SOCB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -28.8  Med: 8.6 Max: 42.4
Current: -25.01
-28.8
42.4

More Statistics

Revenue (TTM) (Mil) $18.29
EPS (TTM) $ 0.46
Short Percentage of Float0.02%
52-Week Range $7.94 - 17.90
Shares Outstanding (Mil)7.10
» 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 

More From Other Websites
BNC Bancorp Completes Merger With Southcoast Financial Corporation Jun 17 2016
Southcoast Financial Corp. :SOCB-US: Earnings Analysis: Q1, 2016 By the Numbers : June 7, 2016 Jun 07 2016
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Other Events Jun 06 2016
BNC Bancorp Announces Receipt of Merger Regulatory Approvals Jun 03 2016
SOUTHCOAST FINANCIAL CORP Financials May 19 2016
SOUTHCOAST FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 12 2016
Southcoast Financial Corp. :SOCB-US: Earnings Analysis: 2015 By the Numbers Apr 06 2016
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Mar 28 2016
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Feb 01 2016
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Dec 18 2015
SOUTHCOAST FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 12 2015
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Other... Nov 05 2015
Lifshitz & Miller Law Firm Announces Investigation of Media General, Inc., Piedmont Natural Gas Co.,... Oct 29 2015
SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces Investigation Of Southcoast Financial... Sep 28 2015
SOCB SHAREHOLDER ALERT: The Law Offices of Vincent Wong Launch an Investigation of the Board of... Sep 01 2015
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of Southcoast... Aug 28 2015
Southcoast Financial Corp. Earnings Q2, 2015 Aug 26 2015
SOCB SHAREHOLDER ALERT: The Law Offices of Vincent Wong Launch an Investigation of the Board of... Aug 26 2015
SHAREHOLDER ALERT: Brower Piven Commences An Investigation Into The Proposed Sale Of Southcoast... Aug 25 2015
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Notifies Shareholders of Southcoast Financial Corporation... Aug 24 2015

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