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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 127.41
STBZ's Cash to Debt is ranked higher than
85% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. STBZ: 127.41 )
STBZ' s 10-Year Cash to Debt Range
Min: 71.56   Max: No Debt
Current: 127.41

Equity to Asset 0.17
STBZ's Equity to Asset is ranked higher than
94% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. STBZ: 0.17 )
STBZ' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.17
Current: 0.17

0.13
0.17
Interest Coverage 2.43
STBZ's Interest Coverage is ranked higher than
79% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. STBZ: 2.43 )
STBZ' s 10-Year Interest Coverage Range
Min: 1.84   Max: 3.61
Current: 2.43

1.84
3.61
F-Score: 4
Z-Score: 0.29
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 (%) 16.82
STBZ's Operating margin (%) is ranked higher than
57% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. STBZ: 16.82 )
STBZ' s 10-Year Operating margin (%) Range
Min: 16.82   Max: 51.94
Current: 16.82

16.82
51.94
Net-margin (%) 11.10
STBZ's Net-margin (%) is ranked higher than
56% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. STBZ: 11.10 )
STBZ' s 10-Year Net-margin (%) Range
Min: 11.1   Max: 32.84
Current: 11.1

11.1
32.84
ROE (%) 2.92
STBZ's ROE (%) is ranked higher than
54% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. STBZ: 2.92 )
STBZ' s 10-Year ROE (%) Range
Min: 2.92   Max: 12.67
Current: 2.92

2.92
12.67
ROA (%) 0.49
STBZ's ROA (%) is ranked higher than
62% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. STBZ: 0.49 )
STBZ' s 10-Year ROA (%) Range
Min: 0.49   Max: 1.61
Current: 0.49

0.49
1.61
ROC (Joel Greenblatt) (%) 57.97
STBZ's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. STBZ: 57.97 )
STBZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 57.97   Max: 1225.01
Current: 57.97

57.97
1225.01
» STBZ's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

STBZ Guru Trades in Q2 2013

Private Capital 615,875 sh (+98.78%)
Chuck Royce 350,125 sh (+9.85%)
John Paulson 1,262,200 sh (unchged)
David Einhorn 1,800,000 sh (-14.29%)
» More
Q3 2013

STBZ Guru Trades in Q3 2013

Chuck Royce 436,725 sh (+24.73%)
Private Capital 750,262 sh (+21.82%)
John Paulson 1,262,200 sh (unchged)
David Einhorn Sold Out
» More
Q4 2013

STBZ Guru Trades in Q4 2013

Steven Cohen 14,843 sh (New)
Chuck Royce 522,225 sh (+19.58%)
John Paulson Sold Out
Private Capital 489,137 sh (-34.8%)
» More
Q1 2014

STBZ Guru Trades in Q1 2014

Jim Simons 39,800 sh (New)
Chuck Royce 622,225 sh (+19.15%)
Private Capital 496,202 sh (+1.44%)
Steven Cohen Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with STBZ

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Paulson 2013-12-31 Sold Out 0.13%$15.55 - $18.35 $ 16.26-4%0
John Paulson 2012-03-31 Reduce -34.54%0.07%$15.3 - $17.87 $ 16.266%1262200
John Paulson 2011-06-30 New Buy0.13%$16.37 - $17.9 $ 16.26-4%2325000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 30.10
STBZ's P/E(ttm) is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. STBZ: 30.10 )
STBZ' s 10-Year P/E(ttm) Range
Min: 8.78   Max: 94.01
Current: 30.1

8.78
94.01
P/B 1.20
STBZ's P/B is ranked higher than
70% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. STBZ: 1.20 )
STBZ' s 10-Year P/B Range
Min: 1.02   Max: 1.51
Current: 1.2

1.02
1.51
P/S 4.50
STBZ's P/S is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. STBZ: 4.50 )
STBZ' s 10-Year P/S Range
Min: 2.36   Max: 5.26
Current: 4.5

2.36
5.26
PFCF 30.10
STBZ's PFCF is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. STBZ: 30.10 )
STBZ' s 10-Year PFCF Range
Min: 1.79   Max: 32.7
Current: 30.1

1.79
32.7
EV-to-EBIT -1.12
STBZ's EV-to-EBIT is ranked lower than
55% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. STBZ: -1.12 )
STBZ' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 19.1
Current: -1.12

0.1
19.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.80
STBZ's Dividend Yield is ranked lower than
87% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. STBZ: 0.80 )
STBZ' s 10-Year Dividend Yield Range
Min: 0.18   Max: 0.8
Current: 0.8

0.18
0.8
Dividend Payout 0.22
STBZ's Dividend Payout is ranked higher than
93% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. STBZ: 0.22 )
STBZ' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.31
Current: 0.22

0.11
0.31
Yield on cost (5-Year) 0.80
STBZ's Yield on cost (5-Year) is ranked lower than
83% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. STBZ: 0.80 )
STBZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 0.8
Current: 0.8

0.18
0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
STBZ's Price/Tangible Book is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. STBZ: 1.20 )
STBZ' s 10-Year Price/Tangible Book Range
Min: 1.05   Max: 1.49
Current: 1.2

1.05
1.49
Price/Median PS Value 1.30
STBZ's Price/Median PS Value is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. STBZ: 1.30 )
STBZ' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 1.49
Current: 1.3

0.68
1.49
Price/Graham Number 1.20
STBZ's Price/Graham Number is ranked higher than
65% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. STBZ: 1.20 )
STBZ' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 2.11
Current: 1.2

0.63
2.11
Earnings Yield (Greenblatt) 3532.20
STBZ's Earnings Yield (Greenblatt) is ranked higher than
100% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. STBZ: 3532.20 )
STBZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.2   Max: 11762.7
Current: 3532.2

5.2
11762.7

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
State Bank Financial Corp., is a bank holding company. The Company's banking subsidiary has locations in metro Atlanta and Bibb, Houston, Dooly, and Jones counties in Middle Georgia.
» More Articles for STBZ

Headlines

Articles On GuruFocus.com
David Einhorn's Most Active Insider Stocks Jun 13 2013 
Einhorn Takes Stake In Georgia Bank Feb 03 2011 

More From Other Websites
State Bank Financial Corporation Announces Release Date and Conference Call for Second Quarter 2014... Jul 08 2014
State Bank Financial Corporation Announces Release Date and Conference Call for Second Quarter 2014... Jul 08 2014
On The Fly: Analyst Initiation Summary Jul 03 2014
Shares Of State Bank Financial Rally In The #PreMarket Jul 03 2014
UPDATE: Wunderlich Securities Initiates Coverage On State Bank Financial On Emerging Growth Story Jul 03 2014
STATE BANK FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Jun 24 2014
State Bank Financial Corporation and Georgia-Carolina Bancshares, Inc. Announce Merger Jun 24 2014
STATE BANK FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 30 2014
State Bank Financial raises dividend to 4c from 3c May 28 2014
State Bank Financial Corporation Announces Increase in Quarterly Cash Dividend May 28 2014
STATE BANK FINANCIAL CORP Financials May 16 2014
State Bank Financial Corp Stock Downgraded (STBZ) May 13 2014
STATE BANK FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 12 2014
STATE BANK FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 09 2014
STATE BANK FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2014
Q1 2014 State Bank Financial Corp Earnings Release - Before Market Open Apr 30 2014
State Bank Financial Corporation Reports First Quarter Financial Results Apr 30 2014
STATE BANK FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 28 2014
State Bank Financial to acquire Atlanta Bancorporation Apr 28 2014
State Bank Financial Corporation and Atlanta Bancorporation, Inc. Announce Merger Apr 28 2014

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