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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
XBKS's Cash to Debt is ranked higher than
99% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. XBKS: No Debt )
XBKS' s 10-Year Cash to Debt Range
Min: 0.29   Max: No Debt
Current: No Debt

Equity to Asset 0.11
XBKS's Equity to Asset is ranked higher than
74% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. XBKS: 0.11 )
XBKS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.27
Current: 0.11

0.09
0.27
Interest Coverage 0.45
XBKS's Interest Coverage is ranked higher than
55% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. XBKS: 0.45 )
XBKS' s 10-Year Interest Coverage Range
Min: 0.07   Max: 1.71
Current: 0.45

0.07
1.71
F-Score: 5
Z-Score: 0.11
WACC vs ROIC
5.90%
2.49%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 9.62
XBKS's Operating margin (%) is ranked higher than
52% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. XBKS: 9.62 )
XBKS' s 10-Year Operating margin (%) Range
Min: -4383.56   Max: 21.16
Current: 9.62

-4383.56
21.16
Net-margin (%) 6.46
XBKS's Net-margin (%) is ranked higher than
52% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. XBKS: 6.46 )
XBKS' s 10-Year Net-margin (%) Range
Min: -4293.84   Max: 32.4
Current: 6.46

-4293.84
32.4
ROE (%) 1.92
XBKS's ROE (%) is ranked higher than
52% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. XBKS: 1.92 )
XBKS' s 10-Year ROE (%) Range
Min: -17.71   Max: 8.79
Current: 1.92

-17.71
8.79
ROA (%) 0.22
XBKS's ROA (%) is ranked higher than
52% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. XBKS: 0.22 )
XBKS' s 10-Year ROA (%) Range
Min: -3.25   Max: 1.42
Current: 0.22

-3.25
1.42
ROC (Joel Greenblatt) (%) 38.98
XBKS's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. XBKS: 38.98 )
XBKS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -102   Max: 72.59
Current: 38.98

-102
72.59
Revenue Growth (3Y)(%) -3.90
XBKS's Revenue Growth (3Y)(%) is ranked higher than
60% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. XBKS: -3.90 )
XBKS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -67.7   Max: 231.2
Current: -3.9

-67.7
231.2
EBITDA Growth (3Y)(%) -24.20
XBKS's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. XBKS: -24.20 )
XBKS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -24.2   Max: 26
Current: -24.2

-24.2
26
EPS Growth (3Y)(%) -40.70
XBKS's EPS Growth (3Y)(%) is ranked higher than
51% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. XBKS: -40.70 )
XBKS' s 10-Year EPS Growth (3Y)(%) Range
Min: -40.7   Max: 63.4
Current: -40.7

-40.7
63.4
» XBKS's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with XBKS

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Ratios

vs
industry
vs
history
P/E(ttm) 43.00
XBKS's P/E(ttm) is ranked higher than
62% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. XBKS: 43.00 )
XBKS' s 10-Year P/E(ttm) Range
Min: 5.08   Max: 2129
Current: 43

5.08
2129
Forward P/E 16.03
XBKS's Forward P/E is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. XBKS: 16.03 )
N/A
PE(NRI) 43.60
XBKS's PE(NRI) is ranked higher than
65% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. XBKS: 43.60 )
XBKS' s 10-Year PE(NRI) Range
Min: 5.08   Max: 1064.5
Current: 43.6

5.08
1064.5
P/B 0.80
XBKS's P/B is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. XBKS: 0.80 )
XBKS' s 10-Year P/B Range
Min: 0.3   Max: 1.92
Current: 0.8

0.3
1.92
P/S 2.50
XBKS's P/S is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. XBKS: 2.50 )
XBKS' s 10-Year P/S Range
Min: 0.95   Max: 126.43
Current: 2.5

0.95
126.43
PFCF 20.37
XBKS's PFCF is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. XBKS: 20.37 )
XBKS' s 10-Year PFCF Range
Min: 4.55   Max: 178.57
Current: 20.37

4.55
178.57
POCF 18.52
XBKS's POCF is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. XBKS: 18.52 )
XBKS' s 10-Year POCF Range
Min: 4.46   Max: 99999999.99
Current: 18.52

4.46
99999999.99
EV-to-EBIT 15.00
XBKS's EV-to-EBIT is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. XBKS: 15.00 )
XBKS' s 10-Year EV-to-EBIT Range
Min: -192.4   Max: 1569.1
Current: 15

-192.4
1569.1
Days Sales Outstanding 48.22
XBKS's Days Sales Outstanding is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. XBKS: 48.22 )
XBKS' s 10-Year Days Sales Outstanding Range
Min: 21.33   Max: 2442.5
Current: 48.22

21.33
2442.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.96
XBKS's Price/Tangible Book is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. XBKS: 0.96 )
XBKS' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 1.65
Current: 0.96

0.26
1.65
Price/Median PS Value 0.89
XBKS's Price/Median PS Value is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. XBKS: 0.89 )
XBKS' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 28
Current: 0.89

0.29
28
Price/Graham Number 1.26
XBKS's Price/Graham Number is ranked higher than
68% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. XBKS: 1.26 )
XBKS' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 10.77
Current: 1.26

0.4
10.77
Earnings Yield (Greenblatt) 6.70
XBKS's Earnings Yield (Greenblatt) is ranked higher than
71% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. XBKS: 6.70 )
XBKS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 42.5
Current: 6.7

0.1
42.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Xenith Bankshares Inc is incorporated in the state of Virginia in 2008. It is the bank holding company for Xenith Bank. The Bank is a full-service, locally-managed commercial bank specifically targeting the banking needs of middle market and small businesses, local real estate developers and investors, private banking clients and select retail banking clients. The Bank conducts its principal banking activities through its six branches, with one branch located in Tysons Corner, Virginia, two branches located in Richmond, Virginia, and three branches located in Suffolk, Virginia. The Bank's services and products currently consist mainly of taking deposits and making loans within its trade areas of the City of Suffolk and its adjacent cities and counties, the City of Richmond and its adjacent cities and counties, and the Northern Virginia markets, including the District of Columbia. Its products and services include commercial and consumer checking accounts, noninterest-bearing demand accounts, money market accounts, savings accounts, as well as time deposits. It offers secured and unsecured commercial and industrial loans, commercial real estate loans (including construction and land development loans), residential real estate loans and consumer loans. It further offers comprehensive internet banking services. It is a member of the START and PLUS automated teller ('ATM') networks which provide customers with access to ATMs. It offers a high level of personalized service to its customers through its relationship managers and branch personnel. To maintain existing deposits and attract new deposits, it offers a product line and competitive rates and services. In addition to these services, it offers remote deposit capture, direct deposit and merchant services. Its technology platform is designed and well-suited to support its existing suite of services and products on a greater scale. The platform is capable of supporting an expanded product set. The bank is regulated by the Federal Reserve, and the Bureau of Financial Institutions of the Virginia State Corporation Commission, or the Bureau of Financial Institutions.
» More Articles for XBKS

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: RXN, XBKS, STAG, AEGR, PZG Apr 02 2012 

More From Other Websites
XENITH BANKSHARES, INC. Financials May 20 2015
10-Q for Xenith Bankshares, Inc. May 10 2015
XENITH BANKSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 08 2015
XENITH BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 30 2015
Xenith Bankshares posts 1Q profit Apr 29 2015
Xenith Bankshares posts 1Q profit Apr 29 2015
Xenith Bankshares, Inc. Reports 2015 First Quarter Results, Significant Earnings Growth Apr 29 2015
Xenith Bankshares, Inc. Reports 2015 First Quarter Results, Significant Earnings Growth Apr 29 2015
10-K for Xenith Bankshares, Inc. Mar 08 2015
XENITH BANKSHARES, INC. Files SEC form 10-K, Annual Report Mar 06 2015
XENITH BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 19 2015
Xenith Bankshares posts 4Q profit Feb 19 2015
Xenith Bankshares posts 4Q profit Feb 19 2015
Xenith Bankshares, Inc. Reports 2014 Results, Strong Loan and Deposit Growth Feb 18 2015
XENITH BANKSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers Feb 02 2015
XENITH BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report Nov 07 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Nov 05 2014
Xenith Bankshares, Inc. Reports 2014 Third Quarter Results, Strong Loan and Deposit Growth Nov 04 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Changes in Registrant's Certifying Accountant, Financial... Oct 02 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of... Oct 01 2014

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