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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 No Debt
VSBN's Cash to Debt is ranked higher than
98% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. VSBN: No Debt )
VSBN' s 10-Year Cash to Debt Range
Min: 3.43   Max: No Debt
Current: No Debt

Equity to Asset 0.10
VSBN's Equity to Asset is ranked higher than
73% of the 2022 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. VSBN: 0.10 )
VSBN' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.1

0.05
0.11
Interest Coverage 2.75
VSBN's Interest Coverage is ranked higher than
82% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. VSBN: 2.75 )
VSBN' s 10-Year Interest Coverage Range
Min: 1.07   Max: 3.71
Current: 2.75

1.07
3.71
F-Score: 5
Z-Score: 0.23
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 (%) 18.69
VSBN's Operating margin (%) is ranked higher than
60% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 vs. VSBN: 18.69 )
VSBN' s 10-Year Operating margin (%) Range
Min: 20.58   Max: 42.05
Current: 18.69

20.58
42.05
Net-margin (%) 10.14
VSBN's Net-margin (%) is ranked higher than
57% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 vs. VSBN: 10.14 )
VSBN' s 10-Year Net-margin (%) Range
Min: 11.17   Max: 22.45
Current: 10.14

11.17
22.45
ROE (%) 7.63
VSBN's ROE (%) is ranked higher than
72% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. VSBN: 7.63 )
VSBN' s 10-Year ROE (%) Range
Min: 4.33   Max: 19.35
Current: 7.63

4.33
19.35
ROA (%) 0.71
VSBN's ROA (%) is ranked higher than
70% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. VSBN: 0.71 )
VSBN' s 10-Year ROA (%) Range
Min: 0.46   Max: 1.19
Current: 0.71

0.46
1.19
ROC (Joel Greenblatt) (%) 194.48
VSBN's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. VSBN: 194.48 )
VSBN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 90.4   Max: 318.26
Current: 194.48

90.4
318.26
Revenue Growth (3Y)(%) -1.90
VSBN's Revenue Growth (3Y)(%) is ranked higher than
67% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. VSBN: -1.90 )
VSBN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.9   Max: 15.5
Current: -1.9

-1.9
15.5
EBITDA Growth (3Y)(%) -10.30
VSBN's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. VSBN: -10.30 )
VSBN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 10.3
Current: -10.3

0
10.3
EPS Growth (3Y)(%) -12.40
VSBN's EPS Growth (3Y)(%) is ranked higher than
61% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. VSBN: -12.40 )
VSBN' s 10-Year EPS Growth (3Y)(%) Range
Min: -12.4   Max: 27.2
Current: -12.4

-12.4
27.2
» VSBN's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with VSBN

(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) 18.00
VSBN's P/E(ttm) is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. VSBN: 18.00 )
VSBN' s 10-Year P/E(ttm) Range
Min: 7.94   Max: 18.06
Current: 18

7.94
18.06
PE(NRI) 17.70
VSBN's PE(NRI) is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. VSBN: 17.70 )
VSBN' s 10-Year PE(NRI) Range
Min: 7.94   Max: 17.79
Current: 17.7

7.94
17.79
P/B 0.78
VSBN's P/B is ranked higher than
90% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. VSBN: 0.78 )
VSBN' s 10-Year P/B Range
Min: 0.64   Max: 2.99
Current: 0.78

0.64
2.99
P/S 1.98
VSBN's P/S is ranked higher than
90% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. VSBN: 1.98 )
VSBN' s 10-Year P/S Range
Min: 1.39   Max: 3.61
Current: 1.98

1.39
3.61
PFCF 11.82
VSBN's PFCF is ranked higher than
85% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. VSBN: 11.82 )
VSBN' s 10-Year PFCF Range
Min: 5.21   Max: 83.89
Current: 11.82

5.21
83.89
POCF 9.89
VSBN's POCF is ranked higher than
84% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. VSBN: 9.89 )
VSBN' s 10-Year POCF Range
Min: 5.03   Max: 31.46
Current: 9.89

5.03
31.46
Shiller P/E 12.11
VSBN's Shiller P/E is ranked higher than
95% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. VSBN: 12.11 )
VSBN' s 10-Year Shiller P/E Range
Min: 6.7   Max: 12.1
Current: 12.11

6.7
12.1
Days Sales Outstanding 18.98
VSBN's Days Sales Outstanding is ranked higher than
96% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. VSBN: 18.98 )
VSBN' s 10-Year Days Sales Outstanding Range
Min: 19.07   Max: 26.54
Current: 18.98

19.07
26.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.99
VSBN's Dividend Yield is ranked lower than
57% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. VSBN: 1.99 )
VSBN' s 10-Year Dividend Yield Range
Min: 0.46   Max: 2.93
Current: 1.99

0.46
2.93
Dividend Payout 0.44
VSBN's Dividend Payout is ranked higher than
70% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. VSBN: 0.44 )
VSBN' s 10-Year Dividend Payout Range
Min: 0.06   Max: 0.36
Current: 0.44

0.06
0.36
Yield on cost (5-Year) 2.00
VSBN's Yield on cost (5-Year) is ranked lower than
60% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. VSBN: 2.00 )
VSBN' s 10-Year Yield on cost (5-Year) Range
Min: 0.46   Max: 2.93
Current: 2

0.46
2.93
Share Buyback Rate 1.20
VSBN's Share Buyback Rate is ranked higher than
93% of the 1464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.30 vs. VSBN: 1.20 )
VSBN' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -1.9
Current: 1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.78
VSBN's Price/Tangible Book is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. VSBN: 0.78 )
VSBN' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 2.61
Current: 0.78

0.64
2.61
Price/DCF (Projected) 0.50
VSBN's Price/DCF (Projected) is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. VSBN: 0.50 )
VSBN' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 0.61
Current: 0.5

0.41
0.61
Price/Median PS Value 1.09
VSBN's Price/Median PS Value is ranked higher than
81% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. VSBN: 1.09 )
VSBN' s 10-Year Price/Median PS Value Range
Min: 0.82   Max: 1.75
Current: 1.09

0.82
1.75
Price/Graham Number 0.79
VSBN's Price/Graham Number is ranked higher than
86% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. VSBN: 0.79 )
VSBN' s 10-Year Price/Graham Number Range
Min: 0.52   Max: 1.31
Current: 0.79

0.52
1.31
Earnings Yield (Greenblatt) -3.90
VSBN's Earnings Yield (Greenblatt) is ranked higher than
51% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. VSBN: -3.90 )
VSBN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 31.3   Max: 1482.2
Current: -3.9

31.3
1482.2
Forward Rate of Return (Yacktman) 3.39
VSBN's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. VSBN: 3.39 )
VSBN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1   Max: 114.7
Current: 3.39

1
114.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
VSB Bancorp 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.

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