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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 : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
VSBN's Cash-to-Debt is ranked higher than
98% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. VSBN: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
VSBN' s Cash-to-Debt Range Over the Past 10 Years
Min: 3.43  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.09
VSBN's Equity-to-Asset is ranked lower than
62% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. VSBN: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
VSBN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.1 Max: 0.12
Current: 0.09
0.05
0.12
Interest Coverage 3.77
VSBN's Interest Coverage is ranked higher than
73% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. VSBN: 3.77 )
Ranked among companies with meaningful Interest Coverage only.
VSBN' s Interest Coverage Range Over the Past 10 Years
Min: 1.07  Med: 2.59 Max: 3.77
Current: 3.77
1.07
3.77
WACC vs ROIC
4.21%
179.86%
WACC
ROIC
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 : 4/10

vs
industry
vs
history
Operating Margin % 27.94
VSBN's Operating Margin % is ranked lower than
58% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. VSBN: 27.94 )
Ranked among companies with meaningful Operating Margin % only.
VSBN' s Operating Margin % Range Over the Past 10 Years
Min: 18.69  Med: 26.02 Max: 40.36
Current: 27.94
18.69
40.36
Net Margin % 18.16
VSBN's Net Margin % is ranked lower than
64% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. VSBN: 18.16 )
Ranked among companies with meaningful Net Margin % only.
VSBN' s Net Margin % Range Over the Past 10 Years
Min: 10.14  Med: 14.74 Max: 21.56
Current: 18.16
10.14
21.56
ROE % 7.66
VSBN's ROE % is ranked lower than
55% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. VSBN: 7.66 )
Ranked among companies with meaningful ROE % only.
VSBN' s ROE % Range Over the Past 10 Years
Min: 3.75  Med: 6.57 Max: 15.98
Current: 7.66
3.75
15.98
ROA % 0.70
VSBN's ROA % is ranked lower than
62% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. VSBN: 0.70 )
Ranked among companies with meaningful ROA % only.
VSBN' s ROA % Range Over the Past 10 Years
Min: 0.37  Med: 0.71 Max: 1.19
Current: 0.7
0.37
1.19
3-Year Revenue Growth Rate 3.30
VSBN's 3-Year Revenue Growth Rate is ranked lower than
53% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. VSBN: 3.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
VSBN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.4 Max: 206.1
Current: 3.3
0
206.1
3-Year EBITDA Growth Rate 5.80
VSBN's 3-Year EBITDA Growth Rate is ranked lower than
51% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. VSBN: 5.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
VSBN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.9 Max: 10.3
Current: 5.8
0
10.3
3-Year EPS without NRI Growth Rate 11.50
VSBN's 3-Year EPS without NRI Growth Rate is ranked higher than
62% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. VSBN: 11.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
VSBN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17.7  Med: -3.75 Max: 27.1
Current: 11.5
-17.7
27.1
GuruFocus has detected 3 Warning Signs with VSB Bancorp Inc $VSBN.
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» VSBN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BKSC, NAS:BOCH, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
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
PE Ratio 11.47
VSBN's PE Ratio is ranked higher than
62% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. VSBN: 11.47 )
Ranked among companies with meaningful PE Ratio only.
VSBN' s PE Ratio Range Over the Past 10 Years
Min: 7.87  Med: 11.38 Max: 19.67
Current: 11.47
7.87
19.67
PE Ratio without NRI 11.47
VSBN's PE Ratio without NRI is ranked higher than
65% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. VSBN: 11.47 )
Ranked among companies with meaningful PE Ratio without NRI only.
VSBN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.87  Med: 11.38 Max: 19.67
Current: 11.47
7.87
19.67
Price-to-Owner-Earnings 14.11
VSBN's Price-to-Owner-Earnings is ranked higher than
50% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. VSBN: 14.11 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
VSBN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.75  Med: 15.16 Max: 91.28
Current: 14.11
6.75
91.28
PB Ratio 0.89
VSBN's PB Ratio is ranked higher than
68% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. VSBN: 0.89 )
Ranked among companies with meaningful PB Ratio only.
VSBN' s PB Ratio Range Over the Past 10 Years
Min: 0.63  Med: 0.79 Max: 2.9
Current: 0.89
0.63
2.9
PS Ratio 2.08
VSBN's PS Ratio is ranked higher than
73% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. VSBN: 2.08 )
Ranked among companies with meaningful PS Ratio only.
VSBN' s PS Ratio Range Over the Past 10 Years
Min: 1.34  Med: 1.81 Max: 5.79
Current: 2.08
1.34
5.79
Shiller PE Ratio 14.83
VSBN's Shiller PE Ratio is ranked higher than
76% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. VSBN: 14.83 )
Ranked among companies with meaningful Shiller PE Ratio only.
VSBN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.49  Med: 11.25 Max: 17.5
Current: 14.83
8.49
17.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.03
VSBN's Dividend Yield % is ranked lower than
65% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. VSBN: 2.03 )
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: 2.03
0.49
2.93
Dividend Payout Ratio 0.21
VSBN's Dividend Payout Ratio is ranked higher than
75% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. VSBN: 0.21 )
Ranked among companies with meaningful Dividend Payout Ratio only.
VSBN' s Dividend Payout Ratio 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 % 2.16
VSBN's Forward Dividend Yield % is ranked lower than
67% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. VSBN: 2.16 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.03
VSBN's 5-Year Yield-on-Cost % is ranked lower than
71% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. VSBN: 2.03 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
VSBN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.49  Med: 2.09 Max: 2.93
Current: 2.03
0.49
2.93
3-Year Average Share Buyback Ratio -0.20
VSBN's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 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-to-Tangible-Book 0.89
VSBN's Price-to-Tangible-Book is ranked higher than
70% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. VSBN: 0.89 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
VSBN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.37  Med: 0.81 Max: 3.18
Current: 0.89
0.37
3.18
Price-to-Intrinsic-Value-Projected-FCF 0.73
VSBN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
58% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. VSBN: 0.73 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
VSBN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.55 Max: 0.96
Current: 0.73
0.39
0.96
Price-to-Median-PS-Value 1.15
VSBN's Price-to-Median-PS-Value is ranked higher than
51% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. VSBN: 1.15 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
VSBN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.08 Max: 82.67
Current: 1.15
0.78
82.67
Price-to-Graham-Number 0.67
VSBN's Price-to-Graham-Number is ranked higher than
70% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. VSBN: 0.67 )
Ranked among companies with meaningful Price-to-Graham-Number only.
VSBN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 0.71 Max: 1.62
Current: 0.67
0.41
1.62
Earnings Yield (Greenblatt) % -51.00
VSBN's Earnings Yield (Greenblatt) % is ranked lower than
94% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. VSBN: -51.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
VSBN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -51.02  Med: 60.5 Max: 19660.6
Current: -51
-51.02
19660.6
Forward Rate of Return (Yacktman) % 3.70
VSBN's Forward Rate of Return (Yacktman) % is ranked lower than
72% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. VSBN: 3.70 )
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: 7.7 Max: 113.4
Current: 3.7
-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 $12.15 - 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
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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
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