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15.38 (1y: -6%)
Market Cap 487.4 M P/E(ttm) 31.00
Enterprise Value 493.81 M P/B 1.10
STBZ- NAS (USA)
State Bank Financial Corp
Not Rated
Top Ranked Predictable Companies
$15.38
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt 176.53
STBZ's Cash to Debt is ranked higher than
73% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. STBZ: 176.53 )
STBZ' s 10-Year Cash to Debt Range
Min: 40.03   Max: No Debt
Current: 176.53
Equity to Asset 0.154
STBZ's Equity to Asset is ranked higher than
79% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. STBZ: 0.154 )
STBZ' s 10-Year Equity to Asset Range
Min: 0.12   Max: 0.15
Current: 0.15
0.12
0.15
Interest Coverage No Debt
STBZ's Interest Coverage is ranked higher than
71% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. STBZ: No Debt )
STBZ' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
Z-Score: 0.48
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 25.20
STBZ's Operating margin (%) is ranked lower than
61% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. STBZ: 25.20 )
STBZ' s 10-Year Operating margin (%) Range
Min: 25.2   Max: 51.9
Current: 25.2
25.2
51.9
Net-margin (%) 16.3
STBZ's Net-margin (%) is ranked lower than
63% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. STBZ: 16.3 )
STBZ' s 10-Year Net-margin (%) Range
Min: 16.3   Max: 32.8
Current: 16.3
16.3
32.8
ROE (%) 5.3
STBZ's ROE (%) is ranked lower than
66% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. STBZ: 5.3 )
STBZ' s 10-Year ROE (%) Range
Min: 5.3   Max: 12.7
Current: 5.3
5.3
12.7
ROA (%) 0.9
STBZ's ROA (%) is ranked higher than
60% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. STBZ: 0.9 )
STBZ' s 10-Year ROA (%) Range
Min: 0.7   Max: 1.6
Current: 0.9
0.7
1.6
ยป STBZ's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

STBZ Guru Trades in Q2 2012

Chuck Royce 316,225 sh (+71.81%)
David Einhorn 2,100,000 sh (unchged)
John Paulson 1,262,200 sh (unchged)
Jeremy Grantham Sold Out
» More
Q3 2012

STBZ Guru Trades in Q3 2012

Jeremy Grantham 17,300 sh (New)
Chuck Royce 337,225 sh (+6.64%)
David Einhorn 2,100,000 sh (unchged)
John Paulson 1,262,200 sh (unchged)
» More
Q4 2012

STBZ Guru Trades in Q4 2012

John Paulson 1,262,200 sh (unchged)
David Einhorn 2,100,000 sh (unchged)
Chuck Royce 237,225 sh (-29.65%)
» More
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
» Details

Insider Trades

Latest Guru Trades with STBZ

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Paulson 2012-03-31 Reduce -34.54%0.07%$15.3 - $17.87 $ 15.461%1262200
John Paulson 2011-06-30 New Buy0.13%$16.37 - $17.9 $ 15.46-8%2325000
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 31.00
STBZ's P/E(ttm) is ranked lower than
90% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. STBZ: 31.00 )
STBZ' s 10-Year P/E(ttm) Range
Min: 8.78   Max: 33.08
Current: 31
8.78
33.08
P/B 1.10
STBZ's P/B is ranked lower than
67% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. STBZ: 1.10 )
STBZ' s 10-Year P/B Range
Min: 1.05   Max: 1.55
Current: 1.1
1.05
1.55
P/S 3.80
STBZ's P/S is ranked lower than
79% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. STBZ: 3.80 )
STBZ' s 10-Year P/S Range
Min: 2.35   Max: 4.11
Current: 3.8
2.35
4.11
PFCF 2.30
STBZ's PFCF is ranked higher than
80% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. STBZ: 2.30 )
STBZ' s 10-Year PFCF Range
Min: 1.56   Max: 3.56
Current: 2.3
1.56
3.56
EV-to-EBIT 20.4
STBZ's EV-to-EBIT is ranked lower than
64% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. STBZ: 20.4 )
STBZ' s 10-Year EV-to-EBIT Range
Min: 0.4   Max: 6.2
Current: 20.4
0.4
6.2

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.60
STBZ's Dividend Yield is ranked lower than
92% of the 636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. STBZ: 0.60 )
STBZ' s 10-Year Dividend Yield Range
Min: 0.18   Max: 0.62
Current: 0.6
0.18
0.62
Dividend Payout 0.1788
STBZ's Dividend Payout is ranked higher than
86% of the 537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.40 vs. STBZ: 0.1788 )
STBZ' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.09
Current: 0.18
Yield on cost (5-Year) 0.60
STBZ's Yield on cost (5-Year) is ranked lower than
84% of the 639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.93 vs. STBZ: 0.60 )
STBZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 0.62
Current: 0.6
0.18
0.62

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 2.2
STBZ's Price/Net Current Asset Value is ranked higher than
76% of the 163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.60 vs. STBZ: 2.2 )
STBZ' s 10-Year Price/Net Current Asset Value Range
Min: 2.4   Max: 2.4
Current: 2.2
Price/Tangible Book 1.2
STBZ's Price/Tangible Book is ranked lower than
60% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STBZ: 1.2 )
STBZ' s 10-Year Price/Tangible Book Range
Min: 1.3   Max: 1.3
Current: 1.2
Price/Median PS Value 1.3
STBZ's Price/Median PS Value is ranked lower than
78% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. STBZ: 1.3 )
STBZ' s 10-Year Price/Median PS Value Range
Min: 0.9   Max: 1.2
Current: 1.3
0.9
1.2
Price/Graham Number 1.1
STBZ's Price/Graham Number is ranked lower than
76% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. STBZ: 1.1 )
STBZ' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.1
Current: 1.1
0.8
1.1
Earnings Yield (Greenblatt) 4.90
STBZ's Earnings Yield (Greenblatt) is ranked lower than
64% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. STBZ: 4.90 )
STBZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 260.5
Current: 4.9
4.9
260.5

Business Description

State Bank Financial Corporation through its subsidiary provides community banking services to individuals and businesses in the middle Georgia and metropolitan Atlanta markets. Products offered by the Company include checking accounts, commercial accounts, savings accounts, retirement accounts, time deposits and various loans. The Company also provides services including online banking and bill payment, online cash management, safe deposit box rental, debit card, and ATM card services. State Bank Financial Corporation is headquartered in Atlanta, Georgia.
Company Website
SEC Reports
Industry: Banks - Regional - US
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