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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.28
TSH's Cash to Debt is ranked higher than
57% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. TSH: 0.28 )
TSH' s 10-Year Cash to Debt Range
Min: 0.08   Max: 0.77
Current: 0.28

0.08
0.77
Equity to Asset 0.11
TSH's Equity to Asset is ranked higher than
76% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. TSH: 0.11 )
TSH' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.2
Current: 0.11

0.09
0.2
Interest Coverage 1.94
TSH's Interest Coverage is ranked higher than
75% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. TSH: 1.94 )
TSH' s 10-Year Interest Coverage Range
Min: 0.28   Max: 1.94
Current: 1.94

0.28
1.94
F-Score: 3
Z-Score: 0.34
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 : 7/10

vs
industry
vs
history
Operating margin (%) 27.06
TSH's Operating margin (%) is ranked higher than
71% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. TSH: 27.06 )
TSH' s 10-Year Operating margin (%) Range
Min: 19.8   Max: 40.87
Current: 27.06

19.8
40.87
Net-margin (%) 18.00
TSH's Net-margin (%) is ranked higher than
68% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. TSH: 18.00 )
TSH' s 10-Year Net-margin (%) Range
Min: 14.57   Max: 26.96
Current: 18

14.57
26.96
ROE (%) 9.80
TSH's ROE (%) is ranked higher than
81% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. TSH: 9.80 )
TSH' s 10-Year ROE (%) Range
Min: 4.78   Max: 11.45
Current: 9.8

4.78
11.45
ROA (%) 1.02
TSH's ROA (%) is ranked higher than
83% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. TSH: 1.02 )
TSH' s 10-Year ROA (%) Range
Min: 0.66   Max: 1.21
Current: 1.02

0.66
1.21
ROC (Joel Greenblatt) (%) 40.33
TSH's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. TSH: 40.33 )
TSH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.3   Max: 106.82
Current: 40.33

7.3
106.82
Revenue Growth (%) 2.70
TSH's Revenue Growth (%) is ranked higher than
80% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. TSH: 2.70 )
TSH' s 10-Year Revenue Growth (%) Range
Min: 2.1   Max: 44.2
Current: 2.7

2.1
44.2
EBITDA Growth (%) 7.70
TSH's EBITDA Growth (%) is ranked higher than
74% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. TSH: 7.70 )
TSH' s 10-Year EBITDA Growth (%) Range
Min: -4.6   Max: 37.4
Current: 7.7

-4.6
37.4
EPS Growth (%) 7.80
TSH's EPS Growth (%) is ranked higher than
72% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. TSH: 7.80 )
TSH' s 10-Year EPS Growth (%) Range
Min: -4.3   Max: 35.3
Current: 7.8

-4.3
35.3
» TSH's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with TSH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Ratios

vs
industry
vs
history
P/E(ttm) 19.70
TSH's P/E(ttm) is ranked higher than
61% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. TSH: 19.70 )
TSH' s 10-Year P/E(ttm) Range
Min: 7.94   Max: 21.75
Current: 19.7

7.94
21.75
P/B 1.62
TSH's P/B is ranked higher than
54% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. TSH: 1.62 )
TSH' s 10-Year P/B Range
Min: 0.7   Max: 1.89
Current: 1.62

0.7
1.89
P/S 3.19
TSH's P/S is ranked higher than
62% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. TSH: 3.19 )
TSH' s 10-Year P/S Range
Min: 1.24   Max: 3.87
Current: 3.19

1.24
3.87
PFCF 15.61
TSH's PFCF is ranked higher than
70% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 109.09 vs. TSH: 15.61 )
TSH' s 10-Year PFCF Range
Min: 4.65   Max: 31.86
Current: 15.61

4.65
31.86
EV-to-EBIT 19.62
TSH's EV-to-EBIT is ranked higher than
69% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. TSH: 19.62 )
TSH' s 10-Year EV-to-EBIT Range
Min: 8.9   Max: 27.3
Current: 19.62

8.9
27.3
PEG 3.58
TSH's PEG is ranked higher than
81% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TSH: 3.58 )
TSH' s 10-Year PEG Range
Min: 0.61   Max: 17
Current: 3.58

0.61
17
Shiller P/E 20.05
TSH's Shiller P/E is ranked higher than
74% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.55 vs. TSH: 20.05 )
TSH' s 10-Year Shiller P/E Range
Min: 8.1   Max: 22.14
Current: 20.05

8.1
22.14

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
TSH's Dividend Yield is ranked lower than
56% of the 1413 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.42 vs. TSH: 2.10 )
TSH' s 10-Year Dividend Yield Range
Min: 1.5   Max: 6.02
Current: 2.1

1.5
6.02
Dividend Payout 0.68
TSH's Dividend Payout is ranked higher than
57% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.48 vs. TSH: 0.68 )
TSH' s 10-Year Dividend Payout Range
Min: 0.19   Max: 1.09
Current: 0.68

0.19
1.09
Dividend growth (3y) -7.90
TSH's Dividend growth (3y) is ranked higher than
63% of the 979 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. TSH: -7.90 )
TSH' s 10-Year Dividend growth (3y) Range
Min: -7.9   Max: 58.7
Current: -7.9

-7.9
58.7
Yield on cost (5-Year) 1.68
TSH's Yield on cost (5-Year) is ranked lower than
66% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. TSH: 1.68 )
TSH' s 10-Year Yield on cost (5-Year) Range
Min: 1.2   Max: 4.81
Current: 1.68

1.2
4.81
Share Buyback Rate 0.60
TSH's Share Buyback Rate is ranked higher than
91% of the 1240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. TSH: 0.60 )
TSH' s 10-Year Share Buyback Rate Range
Min: 20.9   Max: -0.9
Current: 0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
TSH's Price/Tangible Book is ranked higher than
65% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. TSH: 1.68 )
TSH' s 10-Year Price/Tangible Book Range
Min: 0.68   Max: 2.01
Current: 1.68

0.68
2.01
Price/DCF (Projected) 1.01
TSH's Price/DCF (Projected) is ranked higher than
71% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. TSH: 1.01 )
TSH' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 1.11
Current: 1.01

0.35
1.11
Price/Median PS Value 1.61
TSH's Price/Median PS Value is ranked higher than
57% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. TSH: 1.61 )
TSH' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 2.22
Current: 1.61

0.65
2.22
Price/Peter Lynch Fair Value 3.91
TSH's Price/Peter Lynch Fair Value is ranked higher than
84% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. TSH: 3.91 )
TSH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46   Max: 4.3
Current: 3.91

0.46
4.3
Price/Graham Number 1.22
TSH's Price/Graham Number is ranked higher than
66% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. TSH: 1.22 )
TSH' s 10-Year Price/Graham Number Range
Min: 0.51   Max: 1.34
Current: 1.22

0.51
1.34
Earnings Yield (Greenblatt) 5.10
TSH's Earnings Yield (Greenblatt) is ranked higher than
60% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. TSH: 5.10 )
TSH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.7   Max: 11.3
Current: 5.1

3.7
11.3
Forward Rate of Return (Yacktman) 9.75
TSH's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. TSH: 9.75 )
TSH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.9   Max: 28.8
Current: 9.75

6.9
28.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
Teche Holding is a Louisiana corporation organized in December 1994 at the direction of Teche Federal Bank (the 'Bank' or 'Teche Federal') to acquire all of the capital stock that the Bank. The Bank is a community-oriented federal savings bank offering a variety of financial services to meet the local banking needs of St. Mary, Lafayette, Iberia, St. Martin, Terrebonne, upper Lafourche, East Baton Rouge, St. Landry and Ascension Parishes, Louisiana. The Bank offers SmartGrowth Loans, consisting of commercial loans, home equity loans, Smart mortgage loans and consumer loans. It originates single-family owner occupied residential mortgage loans in amounts up to 80% of the lower of the appraised value or selling price of the property securing the loan. Its constructions loan has mainly been made to finance the construction of single-family owner occupied residential properties and, to a limited extent, single family housing for sale by contractors. It offers commercial land and development loans. It also offers also offers loans in the form of loans secured by deposits, home equity loans, automobile loans, mobile home loans and unsecured personal consumer loans. The Bank mainly competes with other financial institutions in its primary market area, including savings banks, commercial banks and savings associations, credit unions and investment and mortgage brokers in serving its primary market area. The Company and the Bank are subject to regulation by the Office of Thrift Supervision, the Federal Deposit Insurance Corporation and the Securities and Exchange Commission.
» More Articles for TSH

Headlines

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Teche Holding Co Reports Operating Results (10-Q) Aug 12 2010 
Teche Holding Co Reports Operating Results (10-Q) May 14 2010 
Teche Holding Co Reports Operating Results (10-Q) Feb 12 2010 
Teche Holding Co Reports Operating Results (10-Q) Aug 14 2009 
Teche Holding Co Reports Operating Results (10-Q) May 13 2009 


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