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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 0.36
SOCB's Cash to Debt is ranked higher than
63% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SOCB: 0.36 )
SOCB' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.36

Equity to Asset 0.10
SOCB's Equity to Asset is ranked higher than
75% of the 1753 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SOCB: 0.10 )
SOCB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.16
Current: 0.1

0.06
0.16
Interest Coverage 0.64
SOCB's Interest Coverage is ranked higher than
58% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 0.13
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 (%) 17.74
SOCB's Operating margin (%) is ranked higher than
60% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. SOCB: 17.74 )
SOCB' s 10-Year Operating margin (%) Range
Min: -222.32   Max: 39.25
Current: 17.74

-222.32
39.25
Net-margin (%) 14.67
SOCB's Net-margin (%) is ranked higher than
63% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. SOCB: 14.67 )
SOCB' s 10-Year Net-margin (%) Range
Min: -130.72   Max: 56.43
Current: 14.67

-130.72
56.43
ROE (%) 5.54
SOCB's ROE (%) is ranked higher than
64% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. SOCB: 5.54 )
SOCB' s 10-Year ROE (%) Range
Min: -43.03   Max: 23.6
Current: 5.54

-43.03
23.6
ROA (%) 0.53
SOCB's ROA (%) is ranked higher than
64% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. SOCB: 0.53 )
SOCB' s 10-Year ROA (%) Range
Min: -3.64   Max: 2.05
Current: 0.53

-3.64
2.05
ROC (Joel Greenblatt) (%) 13.60
SOCB's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. SOCB: 13.60 )
SOCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -57.91   Max: 37.6
Current: 13.6

-57.91
37.6
Revenue Growth (%) -2.20
SOCB's Revenue Growth (%) is ranked higher than
67% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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
97% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 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 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

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
Q1 2014

SOCB Guru Trades in Q1 2014

Jim Simons 42,955 sh (+29.17%)
» More
Q2 2014

SOCB Guru Trades in Q2 2014

Jim Simons 47,655 sh (+10.94%)
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.70
SOCB's P/E(ttm) is ranked higher than
64% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.50 vs. SOCB: 20.70 )
SOCB' s 10-Year P/E(ttm) Range
Min: 3.67   Max: 105.24
Current: 20.7

3.67
105.24
P/B 1.11
SOCB's P/B is ranked higher than
73% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SOCB: 1.11 )
SOCB' s 10-Year P/B Range
Min: 0.2   Max: 2.81
Current: 1.11

0.2
2.81
P/S 3.05
SOCB's P/S is ranked higher than
72% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. SOCB: 3.05 )
SOCB' s 10-Year P/S Range
Min: 0.47   Max: 8.25
Current: 3.05

0.47
8.25
PFCF 7.91
SOCB's PFCF is ranked higher than
87% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. SOCB: 7.91 )
SOCB' s 10-Year PFCF Range
Min: 0.63   Max: 1282
Current: 7.91

0.63
1282
EV-to-EBIT 34.86
SOCB's EV-to-EBIT is ranked higher than
62% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. SOCB: 34.86 )
SOCB' s 10-Year EV-to-EBIT Range
Min: 11.7   Max: 147.7
Current: 34.86

11.7
147.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
SOCB's Price/Tangible Book is ranked higher than
78% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. SOCB: 1.11 )
SOCB' s 10-Year Price/Tangible Book Range
Min: 0.24   Max: 2.62
Current: 1.11

0.24
2.62
Price/DCF (Projected) 0.80
SOCB's Price/DCF (Projected) is ranked higher than
76% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SOCB: 0.80 )
SOCB' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 22.83
Current: 0.8

0.15
22.83
Price/Median PS Value 1.10
SOCB's Price/Median PS Value is ranked higher than
71% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SOCB: 1.10 )
SOCB' s 10-Year Price/Median PS Value Range
Min: 0.18   Max: 2.93
Current: 1.1

0.18
2.93
Price/Graham Number 1.01
SOCB's Price/Graham Number is ranked higher than
72% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SOCB: 1.01 )
SOCB' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 1.77
Current: 1.01

0.39
1.77
Earnings Yield (Greenblatt) 2.90
SOCB's Earnings Yield (Greenblatt) is ranked higher than
55% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. SOCB: 2.90 )
SOCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 8.5
Current: 2.9

0.7
8.5
Forward Rate of Return (Yacktman) 3.59
SOCB's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. SOCB: 3.59 )
SOCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.6   Max: 58
Current: 3.59

-19.6
58

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.
» 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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SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 22 2014
Southcoast Announces 2013 Results Jan 17 2014
SOUTHCOAST FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 08 2013
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 11 2013
SOUTHCOAST FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure Sep 17 2013

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