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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 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 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
64% of the 1660 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 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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
F-Score: 4
WACC vs ROIC
4.17%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 27.94
VSBN's Operating margin (%) is ranked lower than
57% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 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
65% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 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
56% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 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 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 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
Revenue Growth (3Y)(%) 3.30
VSBN's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. VSBN: 3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
VSBN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.4 Max: 206.1
Current: 3.3
0
206.1
EBITDA Growth (3Y)(%) 5.80
VSBN's EBITDA Growth (3Y)(%) is ranked higher than
50% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. VSBN: 5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
VSBN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.9 Max: 10.3
Current: 5.8
0
10.3
EPS Growth (3Y)(%) 11.50
VSBN's EPS Growth (3Y)(%) is ranked higher than
63% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. VSBN: 11.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
VSBN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.7  Med: -3.75 Max: 27.1
Current: 11.5
-17.7
27.1
» VSBN's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:FBPA, NAS:WCFB, OTCPK:STBI, OTCPK:LGHT, OTCPK:FFNM, NAS:FSBC, OTCPK:WEIN, OTCPK:PBNK, OTCPK:CIBH, OTCBB:CFDB, OTCPK:CYSM, OTCPK:PARA, OTCPK:CBWA, OTCPK:CFST, OTCPK:PMHG, OTCPK:MVLY, NAS:BCTF, NAS:GLBZ, OTCPK:SBTB, OTCPK:CBJC » 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
P/E(ttm) 10.85
VSBN's P/E(ttm) is ranked higher than
65% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. VSBN: 10.85 )
Ranked among companies with meaningful P/E(ttm) only.
VSBN' s P/E(ttm) Range Over the Past 10 Years
Min: 7.87  Med: 11.37 Max: 19.67
Current: 10.85
7.87
19.67
PE(NRI) 10.85
VSBN's PE(NRI) is ranked higher than
66% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. VSBN: 10.85 )
Ranked among companies with meaningful PE(NRI) only.
VSBN' s PE(NRI) Range Over the Past 10 Years
Min: 7.87  Med: 11.37 Max: 19.67
Current: 10.85
7.87
19.67
Price/Owner Earnings (ttm) 13.78
VSBN's Price/Owner Earnings (ttm) is ranked higher than
50% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. VSBN: 13.78 )
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: 15.38 Max: 91.28
Current: 13.78
6.75
91.28
P/B 0.84
VSBN's P/B is ranked higher than
69% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. VSBN: 0.84 )
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: 0.84
0.63
2.9
P/S 2.02
VSBN's P/S is ranked higher than
74% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. VSBN: 2.02 )
Ranked among companies with meaningful P/S only.
VSBN' s P/S Range Over the Past 10 Years
Min: 1.34  Med: 1.83 Max: 11.05
Current: 2.02
1.34
11.05
Shiller P/E 14.00
VSBN's Shiller P/E is ranked higher than
76% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. VSBN: 14.00 )
Ranked among companies with meaningful Shiller P/E only.
VSBN' s Shiller P/E Range Over the Past 10 Years
Min: 8.49  Med: 11.02 Max: 16.25
Current: 14
8.49
16.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.93
VSBN's Dividend Yield is ranked lower than
68% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. VSBN: 1.93 )
Ranked among companies with meaningful Dividend Yield only.
VSBN' s Dividend Yield Range Over the Past 10 Years
Min: 0.49  Med: 2.1 Max: 2.93
Current: 1.93
0.49
2.93
Dividend Payout 0.21
VSBN's Dividend Payout is ranked higher than
74% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VSBN: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
VSBN' s Dividend Payout Range Over the Past 10 Years
Min: 0.12  Med: 0.26 Max: 3.6
Current: 0.21
0.12
3.6
Forward Dividend Yield 2.00
VSBN's Forward Dividend Yield is ranked lower than
71% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. VSBN: 2.00 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.93
VSBN's Yield on cost (5-Year) is ranked lower than
76% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. VSBN: 1.93 )
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: 2.1 Max: 2.93
Current: 1.93
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 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 0.84
VSBN's Price/Tangible Book is ranked higher than
71% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. VSBN: 0.84 )
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: 0.84
0.37
3.18
Price/Projected FCF 0.72
VSBN's Price/Projected FCF is ranked higher than
53% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. VSBN: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
VSBN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.58 Max: 0.96
Current: 0.72
0.41
0.96
Price/Median PS Value 1.10
VSBN's Price/Median PS Value is ranked lower than
51% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. VSBN: 1.10 )
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: 1.09 Max: 82.67
Current: 1.1
0.78
82.67
Price/Graham Number 0.64
VSBN's Price/Graham Number is ranked higher than
73% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. VSBN: 0.64 )
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: 0.64
0.41
1.62
Earnings Yield (Greenblatt) (%) -42.02
VSBN's Earnings Yield (Greenblatt) (%) is ranked lower than
96% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. VSBN: -42.02 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
VSBN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -42.02  Med: 48.8 Max: 19660.6
Current: -42.02
-42.02
19660.6
Forward Rate of Return (Yacktman) (%) 3.02
VSBN's Forward Rate of Return (Yacktman) (%) is ranked lower than
73% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. VSBN: 3.02 )
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: -4.6  Med: 7.8 Max: 113.4
Current: 3.02
-4.6
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 - 14.00
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 

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VSB Bancorp, Inc. :VSBN-US: Earnings Analysis: Q2, 2016 By the Numbers : July 21, 2016 Jul 21 2016
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