Switch to:

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

vs
industry
vs
history
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

vs
industry
vs
history
» 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



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/S 1.98
VSBN's P/S is ranked lower than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. VSBN: 1.98 )
VSBN' s 10-Year P/S Range
Min: 0   Max: 2
Current: 1.98

0
2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.08
VSBN's Dividend Yield is ranked lower than
56% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. VSBN: 2.08 )
VSBN' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 2.08

Dividend Payout 0.44
VSBN's Dividend Payout is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VSBN: 0.44 )
VSBN' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.44

Yield on cost (5-Year) 2.10
VSBN's Yield on cost (5-Year) is ranked lower than
90% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. VSBN: 2.10 )
VSBN' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 2.1

Valuation & Return

vs
industry
vs
history

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.
» 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. Second Quarter 2014 Results of Operations Jul 09 2014
VSB Bancorp, Inc. Announces Cash Dividend Jun 10 2014
VSB BANCORP INC Financials Apr 10 2014
VSB Bancorp, Inc. First Quarter 2014 Results of Operations Apr 09 2014
VSB Bancorp, Inc. Announces Cash Dividend Mar 11 2014
VSB Bancorp, Inc. Fourth Quarter and Year End 2013 Results of Operations Jan 15 2014
VSB Bancorp, Inc. Announces Cash Dividend Dec 10 2013
VSB Bancorp, Inc. Announces Intent to Voluntarily Delist From the Nasdaq Capital Market Dec 03 2013
VSB BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 12 2013
VSB BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 10 2013
VSB Bancorp, Inc. Third Quarter 2013 Results of Operations Oct 09 2013
VSB Bancorp, Inc. Announces Cash Dividend Sep 10 2013
VSB BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 13 2013
VSB BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 11 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide