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10.79 (1y: +2%)
Market Cap 19.26 M P/E(ttm) 17.10
Enterprise Value 19.26 M P/B 0.69
VSBN- NAS (USA)
VSB Bancorp
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$10.79
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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 : 7/10

vs
industry		 vs
history
Cash to Debt No Debt
VSBN's Cash to Debt is ranked higher than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. VSBN: No Debt )
VSBN' s 10-Year Cash to Debt Range
Min: 3.43   Max: No Debt
Current: No Debt
Equity to Asset 0.103
VSBN's Equity to Asset is ranked higher than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. VSBN: 0.103 )
VSBN' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.1
0.05
0.11
Interest Coverage No Debt
VSBN's Interest Coverage is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. VSBN: No Debt )
VSBN' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.3
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 : 5/10

vs
industry		 vs
history
Operating margin (%) 20.60
VSBN's Operating margin (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. VSBN: 20.60 )
VSBN' s 10-Year Operating margin (%) Range
Min: 20.6   Max: 42
Current: 20.6
20.6
42
Net-margin (%) 11.2
VSBN's Net-margin (%) is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. VSBN: 11.2 )
VSBN' s 10-Year Net-margin (%) Range
Min: 11.2   Max: 31
Current: 11.2
11.2
31
ROE (%) 4.3
VSBN's ROE (%) is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. VSBN: 4.3 )
VSBN' s 10-Year ROE (%) Range
Min: 4.3   Max: 17.7
Current: 4.3
4.3
17.7
ROA (%) 0.4
VSBN's ROA (%) is ranked lower than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VSBN: 0.4 )
VSBN' s 10-Year ROA (%) Range
Min: 0.4   Max: 1.2
Current: 0.4
0.4
1.2
Revenue Growth (%) -1.5
VSBN's Revenue Growth (%) is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. VSBN: -1.5 )
VSBN' s 10-Year Revenue Growth (%) Range
Min: -1.5   Max: 11.4
Current: -1.5
-1.5
11.4
EBITDA Growth (%) -7.8
VSBN's EBITDA Growth (%) is ranked higher than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. VSBN: -7.8 )
VSBN' s 10-Year EBITDA Growth (%) Range
Min: -7.8   Max: 72.4
Current: -7.8
-7.8
72.4
EPS Growth (%) -9.8
VSBN's EPS Growth (%) is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. VSBN: -9.8 )
VSBN' s 10-Year EPS Growth (%) Range
Min: -9.8   Max: 12
Current: -9.8
-9.8
12
ยป VSBN's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 17.10
VSBN's P/E(ttm) is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. VSBN: 17.10 )
VSBN' s 10-Year P/E(ttm) Range
Min: 7.87   Max: 75.67
Current: 17.1
7.87
75.67
P/B 0.69
VSBN's P/B is ranked higher than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. VSBN: 0.69 )
VSBN' s 10-Year P/B Range
Min: 0.63   Max: 3.29
Current: 0.69
0.63
3.29
P/S 1.81
VSBN's P/S is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. VSBN: 1.81 )
VSBN' s 10-Year P/S Range
Min: 1.34   Max: 10.9
Current: 1.81
1.34
10.9
PFCF 13.00
VSBN's PFCF is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. VSBN: 13.00 )
VSBN' s 10-Year PFCF Range
Min: 4.62   Max: 34.78
Current: 13
4.62
34.78
EV-to-EBIT 9.36
VSBN's EV-to-EBIT is ranked higher than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. VSBN: 9.36 )
VSBN' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 3.1
Current: 9.36
0.1
3.1
Shiller P/E 11.03
VSBN's Shiller P/E is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. VSBN: 11.03 )
VSBN' s 10-Year Shiller P/E Range
Min: 6.6   Max: 11.01
Current: 11.03
6.6
11.01

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.22
VSBN's Dividend Yield is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. VSBN: 2.22 )
VSBN' s 10-Year Dividend Yield Range
Min: 0.49   Max: 2.93
Current: 2.22
0.49
2.93
Dividend Payout 0.4
VSBN's Dividend Payout is ranked higher than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. VSBN: 0.4 )
VSBN' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.35
Current: 0.4
0.06
0.35
Yield on cost (5-Year) 2.20
VSBN's Yield on cost (5-Year) is ranked higher than
99% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. VSBN: 2.20 )
VSBN' s 10-Year Yield on cost (5-Year) Range
Min: 0.49   Max: 2.93
Current: 2.2
0.49
2.93
Share Buyback Rate 0.9
VSBN's Share Buyback Rate is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. VSBN: 0.9 )
VSBN' s 10-Year Share Buyback Rate Range
Min: 15   Max: -1.6
Current: 0.9

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
VSBN's Price/Tangible Book is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. VSBN: 0.7 )
VSBN' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.6
Current: 0.7
0.6
2.6
Price/DCF (Projected) 0.4
VSBN's Price/DCF (Projected) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. VSBN: 0.4 )
VSBN' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.5
Current: 0.4
0.4
0.5
Price/Median PS Value 1
VSBN's Price/Median PS Value is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VSBN: 1 )
VSBN' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.7
Current: 1
0.8
1.7
Price/Graham Number 0.7
VSBN's Price/Graham Number is ranked higher than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VSBN: 0.7 )
VSBN' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.3
Current: 0.7
0.5
1.3
Earnings Yield (Greenblatt) 10.70
VSBN's Earnings Yield (Greenblatt) is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. VSBN: 10.70 )
VSBN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 32.7   Max: 19660.6
Current: 10.7
32.7
19660.6
Forward Rate of Return (Yacktman) 5.31
VSBN's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. VSBN: 5.31 )
VSBN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 31.6
Current: 5.31
2.5
31.6

Business Description

VSB Bancorp, Inc. is the holding company for Victory State Bank, a New York State chartered commercial bank. The Bank's main business is attracting commercial deposits from mainly the general public and investing those deposits, together with funds generated from operations and repayments on existing investments, in loans for business purposes and investment securities. It targets small to medium sized business, and professionals such as lawyers, doctors and accountants for commercial business loans in its market area. The Bank originates commercial real estate loans that are generally secured by properties used for business purposes such as retail stores, other mixed-use properties, restaurants, light industrial and small office buildings located in its main market area. Its construction loans mainly have been made to builders and developers to finance the construction of one- to four-family residential properties and, to a lesser extent, multi-family residential real estate properties. Deposits are the main source of its funds for use in lending, investing and for other general purposes. In addition to deposits, the Bank obtains funds from main repayments and prepayments on loans and securities. It offers a number of deposit accounts having a range of interest rates and terms. Its deposits consist of non-interest bearing checking accounts, money market accounts, time deposit accounts, statement savings and NOW accounts. The Company is subject to and governed by the New York Business Corporation Law. It is a bank holding company and thus is subject to regulation, supervision, and examination by the Federal Reserve.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for VSBN

Headlines

Articles On GuruFocus.com
VSB Bancorp Inc. Reports Operating Results (10-K) Mar 15 2011 
VSB Bancorp Inc. Reports Operating Results (10-Q) Nov 10 2010 
VSB Bancorp Inc. Reports Operating Results (10-Q) Aug 10 2010 
VSB Bancorp Inc. Reports Operating Results (10-Q) May 11 2010 
VSB Bancorp Inc. (VSBN) CEO Raffaele M Branca buys 952 Shares Mar 23 2010 
VSB Bancorp Inc. Reports Operating Results (10-Q) Nov 10 2009 
VSB Bancorp Inc. Reports Operating Results (10-Q) Aug 11 2009 
VSB Bancorp Inc. Reports Operating Results (10-Q) May 13 2009 

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