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 0.29
STEL's Cash to Debt is ranked higher than
59% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STEL: 0.29 )
STEL' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 0.29

Equity to Asset 0.14
STEL's Equity to Asset is ranked higher than
87% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. STEL: 0.14 )
STEL' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.14

0.09
0.15
Interest Coverage 1.64
STEL's Interest Coverage is ranked higher than
73% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. STEL: 1.64 )
STEL' s 10-Year Interest Coverage Range
Min: 0.23   Max: 1.64
Current: 1.64

0.23
1.64
F-Score: 6
Z-Score: 0.25
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 : 8/10

vs
industry
vs
history
Operating margin (%) 23.10
STEL's Operating margin (%) is ranked higher than
64% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. STEL: 23.10 )
STEL' s 10-Year Operating margin (%) Range
Min: -13.98   Max: 36.97
Current: 23.1

-13.98
36.97
Net-margin (%) 16.93
STEL's Net-margin (%) is ranked higher than
66% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. STEL: 16.93 )
STEL' s 10-Year Net-margin (%) Range
Min: -7.4   Max: 32.26
Current: 16.93

-7.4
32.26
ROE (%) 5.13
STEL's ROE (%) is ranked higher than
61% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. STEL: 5.13 )
STEL' s 10-Year ROE (%) Range
Min: -2.03   Max: 21.82
Current: 5.13

-2.03
21.82
ROA (%) 0.73
STEL's ROA (%) is ranked higher than
70% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. STEL: 0.73 )
STEL' s 10-Year ROA (%) Range
Min: -0.28   Max: 2.22
Current: 0.73

-0.28
2.22
ROC (Joel Greenblatt) (%) 41.97
STEL's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. STEL: 41.97 )
STEL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -19.3   Max: 199.01
Current: 41.97

-19.3
199.01
Revenue Growth (%) 3.70
STEL's Revenue Growth (%) is ranked higher than
80% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. STEL: 3.70 )
STEL' s 10-Year Revenue Growth (%) Range
Min: -10   Max: 33.9
Current: 3.7

-10
33.9
» STEL's 10-Y Financials

Financials


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

» Details

Guru Trades

STEL Guru Trades in

STEL Guru Trades in

Q3 2013

STEL Guru Trades in Q3 2013

Jim Simons 21,900 sh (New)
» More
Q4 2013

STEL Guru Trades in Q4 2013

Jim Simons 76,600 sh (+249.77%)
» More
» Details

Insider Trades

Latest Guru Trades with STEL



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.10
STEL's P/E(ttm) is ranked lower than
55% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. STEL: 22.10 )
STEL' s 10-Year P/E(ttm) Range
Min: 8.23   Max: 1160.77
Current: 22.1

8.23
1160.77
P/B 1.27
STEL's P/B is ranked higher than
55% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STEL: 1.27 )
STEL' s 10-Year P/B Range
Min: 0.54   Max: 2.35
Current: 1.27

0.54
2.35
P/S 4.16
STEL's P/S is ranked lower than
68% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. STEL: 4.16 )
STEL' s 10-Year P/S Range
Min: 1.62   Max: 24.51
Current: 4.16

1.62
24.51
PFCF 7.84
STEL's PFCF is ranked higher than
56% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. STEL: 7.84 )
STEL' s 10-Year PFCF Range
Min: 3.12   Max: 46.19
Current: 7.84

3.12
46.19
EV-to-EBIT 21.13
STEL's EV-to-EBIT is ranked higher than
50% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. STEL: 21.13 )
STEL' s 10-Year EV-to-EBIT Range
Min: 9.1   Max: 79.5
Current: 21.13

9.1
79.5
Shiller P/E 44.92
STEL's Shiller P/E is ranked lower than
67% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. STEL: 44.92 )
STEL' s 10-Year Shiller P/E Range
Min: 6.49   Max: 47.58
Current: 44.92

6.49
47.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.58
STEL's Dividend Yield is ranked lower than
70% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. STEL: 1.58 )
STEL' s 10-Year Dividend Yield Range
Min: 1.04   Max: 6.9
Current: 1.58

1.04
6.9
Dividend Payout 0.38
STEL's Dividend Payout is ranked higher than
56% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. STEL: 0.38 )
STEL' s 10-Year Dividend Payout Range
Min: -16   Max: 13.33
Current: 0.38

-16
13.33
Dividend growth (3y) -2.40
STEL's Dividend growth (3y) is ranked higher than
68% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. STEL: -2.40 )
STEL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 65.5
Current: -2.4

0
65.5
Yield on cost (5-Year) 0.49
STEL's Yield on cost (5-Year) is ranked lower than
88% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. STEL: 0.49 )
STEL' s 10-Year Yield on cost (5-Year) Range
Min: 0.32   Max: 2.12
Current: 0.49

0.32
2.12
Share Buyback Rate -0.70
STEL's Share Buyback Rate is ranked higher than
79% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. STEL: -0.70 )
STEL' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -28.1
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
STEL's Price/Tangible Book is ranked higher than
50% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. STEL: 1.70 )
STEL' s 10-Year Price/Tangible Book Range
Min: 0.78   Max: 2.96
Current: 1.7

0.78
2.96
Price/DCF (Projected) 0.80
STEL'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. STEL: 0.80 )
STEL' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.56
Current: 0.8

0.39
1.56
Price/Median PS Value 1.50
STEL's Price/Median PS Value is ranked lower than
66% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. STEL: 1.50 )
STEL' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 8.32
Current: 1.5

0.37
8.32
Price/Graham Number 1.30
STEL's Price/Graham Number is ranked lower than
57% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. STEL: 1.30 )
STEL' s 10-Year Price/Graham Number Range
Min: 0.67   Max: 3.53
Current: 1.3

0.67
3.53
Earnings Yield (Greenblatt) 4.70
STEL's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. STEL: 4.70 )
STEL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 11
Current: 4.7

1.3
11
Forward Rate of Return (Yacktman) 4.43
STEL'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. STEL: 4.43 )
STEL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17.5   Max: 22.5
Current: 4.43

-17.5
22.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
StellarOne Corporation is a Virginia bank holding company. The company's sole banking subsidiary is StellarOne Bank. The company's subsidiary bank is community-oriented and offers services customarily provided by full-service banks, including individual and commercial demand and time deposit accounts, commercial and consumer loans, residential mortgages, credit card services and deposit services. In addition, the company's subsidiary bank offers internet banking access for banking services, and online bill payment for both consumers and commercial customers. Lending is focused on individuals and small and middle-market businesses in the local market of the company's subsidiary bank. The bank, through its trust division, provides a variety of wealth management and personal trust services including estate administration, employee benefit plan administration and planning specifically addressing the investment and financial management needs of its customers. Utilizing a 'super-community' banking strategy, the subsidiary is run autonomously as a community bank, with the holding company providing common services such as corporate finance, information technology, marketing, human resources, compliance, audit and loan review. New products and services are designed to build on existing businesses and expand into complementary products and services through strategic initiatives. The company's largest core lending business is its commercial and residential real estate loan operation, which offers variable-rate loans and lines of credit secured by real estate properties. These loans are generally made on local properties or to local customers within its markets. The company is 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