Switch to:

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 0.36
SOCB's Cash to Debt is ranked higher than
61% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SOCB: 0.36 )
SOCB' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.36

Equity to Asset 0.10
SOCB's Equity to Asset is ranked higher than
67% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SOCB: 0.10 )
SOCB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.49
Current: 0.1

0.07
0.49
Interest Coverage 0.64
SOCB's Interest Coverage is ranked higher than
57% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SOCB: 0.64 )
SOCB' s 10-Year Interest Coverage Range
Min: 0.09   Max: 0.75
Current: 0.64

0.09
0.75
F-Score: 3
Z-Score: 0.07
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 (%) 15.41
SOCB's Operating margin (%) is ranked higher than
55% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. SOCB: 15.41 )
SOCB' s 10-Year Operating margin (%) Range
Min: -80.61   Max: 39.25
Current: 15.41

-80.61
39.25
Net-margin (%) 56.43
SOCB's Net-margin (%) is ranked higher than
97% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. SOCB: 56.43 )
SOCB' s 10-Year Net-margin (%) Range
Min: -109.46   Max: 56.43
Current: 56.43

-109.46
56.43
ROE (%) 21.29
SOCB's ROE (%) is ranked higher than
97% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. SOCB: 21.29 )
SOCB' s 10-Year ROE (%) Range
Min: -53.49   Max: 21.29
Current: 21.29

-53.49
21.29
ROA (%) 2.03
SOCB's ROA (%) is ranked higher than
96% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. SOCB: 2.03 )
SOCB' s 10-Year ROA (%) Range
Min: -3.85   Max: 2.03
Current: 2.03

-3.85
2.03
ROC (Joel Greenblatt) (%) 11.70
SOCB's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. SOCB: 11.70 )
SOCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -59.34   Max: 32.82
Current: 11.7

-59.34
32.82
Revenue Growth (%) -2.20
SOCB's Revenue Growth (%) is ranked higher than
65% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SOCB: -2.20 )
SOCB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 46.8
Current: -2.2

0
46.8
EBITDA Growth (%) 49.70
SOCB's EBITDA Growth (%) is ranked higher than
95% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SOCB: 49.70 )
SOCB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 60
Current: 49.7

0
60
EPS Growth (%) 404.00
SOCB's EPS Growth (%) is ranked higher than
100% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. SOCB: 404.00 )
SOCB' s 10-Year EPS Growth (%) Range
Min: -71.5   Max: 404
Current: 404

-71.5
404
» SOCB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

SOCB Guru Trades in Q1 2013

Jim Simons 14,185 sh (New)
» More
Q2 2013

SOCB Guru Trades in Q2 2013

Jim Simons 21,155 sh (+29.68%)
» More
Q3 2013

SOCB Guru Trades in Q3 2013

Jim Simons 29,055 sh (+37.34%)
» More
Q4 2013

SOCB Guru Trades in Q4 2013

Jim Simons 33,255 sh (+14.46%)
» More
» Details

Insider Trades

Latest Guru Trades with SOCB



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 5.60
SOCB's P/E(ttm) is ranked higher than
94% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. SOCB: 5.60 )
SOCB' s 10-Year P/E(ttm) Range
Min: 3.72   Max: 105.24
Current: 5.6

3.72
105.24
P/B 1.10
SOCB's P/B is ranked higher than
62% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SOCB: 1.10 )
SOCB' s 10-Year P/B Range
Min: 0.2   Max: 2.81
Current: 1.1

0.2
2.81
P/S 3.20
SOCB's P/S is ranked lower than
51% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. SOCB: 3.20 )
SOCB' s 10-Year P/S Range
Min: 0.47   Max: 8.25
Current: 3.2

0.47
8.25
PFCF 10.10
SOCB's PFCF is ranked lower than
54% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SOCB: 10.10 )
SOCB' s 10-Year PFCF Range
Min: 0.63   Max: 171.85
Current: 10.1

0.63
171.85
EV-to-EBIT 52.60
SOCB's EV-to-EBIT is ranked lower than
70% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. SOCB: 52.60 )
SOCB' s 10-Year EV-to-EBIT Range
Min: 11.7   Max: 147.7
Current: 52.6

11.7
147.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
SOCB's Price/Tangible Book is ranked higher than
65% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SOCB: 1.20 )
SOCB' s 10-Year Price/Tangible Book Range
Min: 0.24   Max: 2.11
Current: 1.2

0.24
2.11
Price/DCF (Projected) 0.80
SOCB's Price/DCF (Projected) is ranked higher than
54% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. SOCB: 0.80 )
SOCB' s 10-Year Price/DCF (Projected) Range
Min: 0.12   Max: 1.53
Current: 0.8

0.12
1.53
Price/Median PS Value 1.10
SOCB's Price/Median PS Value is ranked higher than
56% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SOCB: 1.10 )
SOCB' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 2.61
Current: 1.1

0.17
2.61
Price/Graham Number 0.50
SOCB's Price/Graham Number is ranked higher than
87% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SOCB: 0.50 )
SOCB' s 10-Year Price/Graham Number Range
Min: 0.44   Max: 1.74
Current: 0.5

0.44
1.74
Earnings Yield (Greenblatt) 1.90
SOCB's Earnings Yield (Greenblatt) is ranked lower than
59% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SOCB: 1.90 )
SOCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 8.5
Current: 1.9

0.7
8.5
Forward Rate of Return (Yacktman) 4.23
SOCB's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. SOCB: 4.23 )
SOCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5   Max: 66.4
Current: 4.23

-5
66.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southcoast Financial Corporation is a South Carolina corporation organized in 1999 under the laws of South Carolina. It is 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. 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 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 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. The bank holding companies and banks are regulated under federal and state law.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide