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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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VSB Bancorp is a holding company for Victory State Bank. It provides commercial and retail banking services to individuals and businesses mainly in Staten Island, New York.

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's competition for loans comes principally from commercial banks, savings banks and insurance companies. Its direct competition for deposits has come from commercial banks and savings banks. In addition, it faces competition for deposits from non-bank institutions such as brokerage firms and insurance companies in such areas as short-term money market funds, corporate and government securities funds, mutual funds and annuities. 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.

Ratios

vs
industry
vs
history
P/E(ttm) 12.56
VSBN's P/E(ttm) is ranked higher than
58% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. VSBN: 12.56 )
Ranked among companies with meaningful P/E(ttm) only.
VSBN' s P/E(ttm) Range Over the Past 10 Years
Min: 7.87  Med: 11.4 Max: 19.67
Current: 12.56
7.87
19.67
PE(NRI) 12.56
VSBN's PE(NRI) is ranked higher than
60% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. VSBN: 12.56 )
Ranked among companies with meaningful PE(NRI) only.
VSBN' s PE(NRI) Range Over the Past 10 Years
Min: 7.87  Med: 11.4 Max: 19.67
Current: 12.56
7.87
19.67
Price/Owner Earnings (ttm) 15.44
VSBN's Price/Owner Earnings (ttm) is ranked lower than
52% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. VSBN: 15.44 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
VSBN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.75  Med: 15.24 Max: 91.28
Current: 15.44
6.75
91.28
P/B 0.98
VSBN's P/B is ranked higher than
63% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. VSBN: 0.98 )
Ranked among companies with meaningful P/B only.
VSBN' s P/B Range Over the Past 10 Years
Min: 0.63  Med: 0.79 Max: 2.9
Current: 0.98
0.63
2.9
P/S 2.28
VSBN's P/S is ranked higher than
70% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. VSBN: 2.28 )
Ranked among companies with meaningful P/S only.
VSBN' s P/S Range Over the Past 10 Years
Min: 1.34  Med: 1.81 Max: 11.05
Current: 2.28
1.34
11.05
Shiller P/E 16.23
VSBN's Shiller P/E is ranked higher than
70% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. VSBN: 16.23 )
Ranked among companies with meaningful Shiller P/E only.
VSBN' s Shiller P/E Range Over the Past 10 Years
Min: 8.49  Med: 11.13 Max: 16.23
Current: 16.23
8.49
16.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.79
VSBN's Dividend Yield is ranked lower than
69% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. VSBN: 1.79 )
Ranked among companies with meaningful Dividend Yield only.
VSBN' s Dividend Yield Range Over the Past 10 Years
Min: 0.49  Med: 2.09 Max: 2.93
Current: 1.79
0.49
2.93
Dividend Payout 0.21
VSBN's Dividend Payout is ranked higher than
74% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. VSBN: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
VSBN' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.26 Max: 0.41
Current: 0.21
0.06
0.41
Forward Dividend Yield 1.98
VSBN's Forward Dividend Yield is ranked lower than
69% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. VSBN: 1.98 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.79
VSBN's Yield on cost (5-Year) is ranked lower than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. VSBN: 1.79 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
VSBN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.49  Med: 2.09 Max: 2.93
Current: 1.79
0.49
2.93
3-Year Average Share Buyback Ratio -0.20
VSBN's 3-Year Average Share Buyback Ratio is ranked higher than
71% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. VSBN: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
VSBN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.4  Med: 0.9 Max: 22.4
Current: -0.2
-2.4
22.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
VSBN's Price/Tangible Book is ranked higher than
65% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. VSBN: 0.98 )
Ranked among companies with meaningful Price/Tangible Book only.
VSBN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 0.81 Max: 3.18
Current: 0.98
0.37
3.18
Price/Projected FCF 0.80
VSBN's Price/Projected FCF is ranked higher than
53% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. VSBN: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
VSBN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.55 Max: 0.96
Current: 0.8
0.39
0.96
Price/Median PS Value 1.26
VSBN's Price/Median PS Value is ranked lower than
60% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. VSBN: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
VSBN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.78  Med: 1.08 Max: 82.67
Current: 1.26
0.78
82.67
Price/Graham Number 0.74
VSBN's Price/Graham Number is ranked higher than
66% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. VSBN: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
VSBN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 0.71 Max: 1.62
Current: 0.74
0.41
1.62
Earnings Yield (Greenblatt) (%) -81.18
VSBN's Earnings Yield (Greenblatt) (%) is ranked lower than
97% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. VSBN: -81.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
VSBN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -81.3  Med: 48.8 Max: 19660.6
Current: -81.18
-81.3
19660.6
Forward Rate of Return (Yacktman) (%) 3.36
VSBN's Forward Rate of Return (Yacktman) (%) is ranked lower than
73% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. VSBN: 3.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
VSBN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.8  Med: 7.75 Max: 113.4
Current: 3.36
-3.8
113.4

More Statistics

Revenue (TTM) (Mil) $12.43
EPS (TTM) $ 1.29
Beta0.24
Short Percentage of Float0.41%
52-Week Range $12.11 - 16.20
Shares Outstanding (Mil)1.83
» 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 

More From Other Websites
VSB Bancorp, Inc. : VSBN-US: Dividend Analysis : December 23rd, 2016 (record date) : By the numbers... Feb 07 2017
VSB Bancorp, Inc. :VSBN-US: Earnings Analysis: 2016 By the Numbers : January 27, 2017 Jan 27 2017
VSB Bancorp, Inc. Fourth Quarter and Full Year 2016 Results of Operations Jan 13 2017
VSB Bancorp, Inc. Announces 14% Increase in Cash Dividend Dec 16 2016
VSB BANCORP INC Financials Dec 01 2016
VSB Bancorp, Inc. :VSBN-US: Earnings Analysis: Q3, 2016 By the Numbers : October 24, 2016 Oct 24 2016
VSB Bancorp, Inc. Reports Third Quarter 2016 Results of Operations Oct 12 2016
VSB Bancorp, Inc. : VSBN-US: Dividend Analysis : September 23rd, 2016 (record date) : By the numbers... Oct 07 2016
VSB Bancorp, Inc. Announces 36th Consecutive Cash Dividend Sep 20 2016
VSB Bancorp, Inc. :VSBN-US: Earnings Analysis: Q2, 2016 By the Numbers : July 21, 2016 Jul 21 2016
VSB Bancorp, Inc. Second Quarter 2016 Results of Operations Jul 13 2016
VSB Bancorp, Inc. : VSBN-US: Dividend Analysis : June 24th, 2016 (record date) : By the numbers :... Jul 12 2016
VSB Bancorp, Inc. : VSBN-US: Dividend Analysis : June 24th, 2016 (record date) : By the numbers :... Jun 24 2016
VSB Bancorp, Inc. :VSBN-US: Earnings Analysis: Q1, 2016 By the Numbers : June 22, 2016 Jun 22 2016
VSB Bancorp, Inc. Announces 35th Consecutive Cash Dividend Jun 16 2016
VSB Bancorp, Inc. Announces Annual Meeting Results Apr 27 2016
VSB Bancorp, Inc. :VSBN-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
VSB Bancorp, Inc. First Quarter 2016 Results of Operations Apr 13 2016
VSB Bancorp, Inc. Announces 17% Increase In Cash Dividend Mar 14 2016
VSB Bancorp Inc. Named to 2016 OTCQX Best 50 Feb 17 2016

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