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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 105.38
STBZ's Cash to Debt is ranked higher than
86% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STBZ: 105.38 )
STBZ' s 10-Year Cash to Debt Range
Min: 40.03   Max: No Debt
Current: 105.38

Equity to Asset 0.17
STBZ's Equity to Asset is ranked higher than
90% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. STBZ: 0.17 )
STBZ' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.17
Current: 0.17

0.12
0.17
Interest Coverage 2.43
STBZ's Interest Coverage is ranked higher than
81% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 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: 3
Z-Score: 0.28
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.82
STBZ's Operating margin (%) is ranked higher than
56% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 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
55% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 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
55% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 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
60% of the 1563 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
67% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 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

Q1 2013

STBZ Guru Trades in Q1 2013

Private Capital 309,825 sh (New)
Chuck Royce 318,725 sh (+34.36%)
John Paulson 1,262,200 sh (unchged)
David Einhorn 2,100,000 sh (unchged)
» More
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
» 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 $ 17.161%0
John Paulson 2012-03-31 Reduce -34.54%0.07%$15.3 - $17.87 $ 17.1612%1262200
John Paulson 2011-06-30 New Buy0.13%$16.37 - $17.9 $ 17.162%2325000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about State Bank Financial Corp

David Einhorn's Most Active Insider Stocks
As Peter Lynch has been quoted as saying many times: “Insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.” So when insiders and gurus both buy into a company, it’s time to take notice. As a previous article written by GuruFocus discusses, insider buys of undervalued companies can sometimes lead to large gains, and value Gurus tend to buy stocks that are undervalued. So by finding the stocks that Gurus and insiders are buying, you increase your chance of finding a winner. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 46.10
STBZ's P/E(ttm) is ranked lower than
64% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. STBZ: 46.10 )
STBZ' s 10-Year P/E(ttm) Range
Min: 8.78   Max: 94.01
Current: 46.1

8.78
94.01
P/B 1.30
STBZ's P/B is ranked higher than
53% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STBZ: 1.30 )
STBZ' s 10-Year P/B Range
Min: 1.02   Max: 1.51
Current: 1.3

1.02
1.51
P/S 5.00
STBZ's P/S is ranked lower than
75% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. STBZ: 5.00 )
STBZ' s 10-Year P/S Range
Min: 2.36   Max: 5.26
Current: 5

2.36
5.26
PFCF 5.80
STBZ's PFCF is ranked higher than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. STBZ: 5.80 )
STBZ' s 10-Year PFCF Range
Min: 1.79   Max: 6.87
Current: 5.8

1.79
6.87
EV-to-EBIT 28.60
STBZ's EV-to-EBIT is ranked lower than
59% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. STBZ: 28.60 )
STBZ' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 19.1
Current: 28.6

0.2
19.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.70
STBZ's Dividend Yield is ranked lower than
89% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. STBZ: 0.70 )
STBZ' s 10-Year Dividend Yield Range
Min: 0.18   Max: 0.8
Current: 0.7

0.18
0.8
Dividend Payout 0.31
STBZ's Dividend Payout is ranked higher than
63% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. STBZ: 0.31 )
STBZ' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.32
Current: 0.31

0.09
0.32
Yield on cost (5-Year) 0.70
STBZ's Yield on cost (5-Year) is ranked lower than
85% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. STBZ: 0.70 )
STBZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 0.8
Current: 0.7

0.18
0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
STBZ's Price/Tangible Book is ranked higher than
62% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. STBZ: 1.30 )
STBZ' s 10-Year Price/Tangible Book Range
Min: 1.22   Max: 1.37
Current: 1.3

1.22
1.37
Price/Median PS Value 1.40
STBZ's Price/Median PS Value is ranked lower than
65% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. STBZ: 1.40 )
STBZ' s 10-Year Price/Median PS Value Range
Min: 0.77   Max: 1.51
Current: 1.4

0.77
1.51
Price/Graham Number 1.60
STBZ's Price/Graham Number is ranked lower than
65% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. STBZ: 1.60 )
STBZ' s 10-Year Price/Graham Number Range
Min: 0.79   Max: 1.67
Current: 1.6

0.79
1.67
Earnings Yield (Greenblatt) 3.50
STBZ's Earnings Yield (Greenblatt) is ranked lower than
51% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. STBZ: 3.50 )
STBZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 463.1
Current: 3.5

3.5
463.1

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.

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