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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.76
XBKS's Cash to Debt is ranked lower than
65% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. XBKS: 0.76 )
Ranked among companies with meaningful Cash to Debt only.
XBKS' s Cash to Debt Range Over the Past 10 Years
Min: 0.29  Med: 10000.00 Max: No Debt
Current: 0.76
Equity to Asset 0.10
XBKS's Equity to Asset is ranked lower than
53% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. XBKS: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
XBKS' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.27
Current: 0.1
0.09
0.27
Interest Coverage 0.76
XBKS's Interest Coverage is ranked lower than
71% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. XBKS: 0.76 )
Ranked among companies with meaningful Interest Coverage only.
XBKS' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.58 Max: 1.71
Current: 0.76
0.07
1.71
F-Score: 3
WACC vs ROIC
4.48%
3.79%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.28
XBKS's Operating margin (%) is ranked lower than
81% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. XBKS: 16.28 )
Ranked among companies with meaningful Operating margin (%) only.
XBKS' s Operating margin (%) Range Over the Past 10 Years
Min: -4383.56  Med: 12.57 Max: 21.33
Current: 16.28
-4383.56
21.33
Net-margin (%) 11.28
XBKS's Net-margin (%) is ranked lower than
81% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. XBKS: 11.28 )
Ranked among companies with meaningful Net-margin (%) only.
XBKS' s Net-margin (%) Range Over the Past 10 Years
Min: -4293.84  Med: 10.75 Max: 32.4
Current: 11.28
-4293.84
32.4
ROE (%) 3.50
XBKS's ROE (%) is ranked lower than
82% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. XBKS: 3.50 )
Ranked among companies with meaningful ROE (%) only.
XBKS' s ROE (%) Range Over the Past 10 Years
Min: -17.71  Med: 2.95 Max: 8.69
Current: 3.5
-17.71
8.69
ROA (%) 0.36
XBKS's ROA (%) is ranked lower than
79% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. XBKS: 0.36 )
Ranked among companies with meaningful ROA (%) only.
XBKS' s ROA (%) Range Over the Past 10 Years
Min: -3.25  Med: 0.36 Max: 1.42
Current: 0.36
-3.25
1.42
Revenue Growth (3Y)(%) 3.10
XBKS's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. XBKS: 3.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
XBKS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -67.4  Med: 10.15 Max: 227.4
Current: 3.1
-67.4
227.4
EBITDA Growth (3Y)(%) 9.20
XBKS's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. XBKS: 9.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
XBKS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24  Med: 15.45 Max: 26.2
Current: 9.2
-24
26.2
EPS Growth (3Y)(%) -23.50
XBKS's EPS Growth (3Y)(%) is ranked lower than
91% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. XBKS: -23.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
XBKS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -40.2  Med: -4.80 Max: 64.2
Current: -23.5
-40.2
64.2
» XBKS's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-28)


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:FRAF, NAS:CHEV, NAS:TCFC, NAS:CIZN, OTCPK:MNAT, NAS:NWFL, NAS:CIVB, NAS:SOCB, NAS:AUBN, NAS:NBN, OTCPK:MVBF, NAS:FCCY, NAS:ASBB, AMEX:EVBN, NAS:FCCO, NAS:INBK, NAS:UNTY, NAS:PEBK, NAS:CFCB, OTCPK:FNCB » details
Xenith Bankshares Inc operates as the bank holding company for Xenith Bank, which provides commercial and retail banking products and services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 29.60
XBKS's P/E(ttm) is ranked lower than
89% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. XBKS: 29.60 )
Ranked among companies with meaningful P/E(ttm) only.
XBKS' s P/E(ttm) Range Over the Past 10 Years
Min: 5.08  Med: 27.06 Max: 2130
Current: 29.6
5.08
2130
PE(NRI) 29.60
XBKS's PE(NRI) is ranked lower than
89% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. XBKS: 29.60 )
Ranked among companies with meaningful PE(NRI) only.
XBKS' s PE(NRI) Range Over the Past 10 Years
Min: 5.08  Med: 27.22 Max: 1065
Current: 29.6
5.08
1065
Price/Owner Earnings (ttm) 181.59
XBKS's Price/Owner Earnings (ttm) is ranked lower than
99% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. XBKS: 181.59 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
XBKS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.47  Med: 19.03 Max: 176.36
Current: 181.59
3.47
176.36
P/B 1.04
XBKS's P/B is ranked higher than
55% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. XBKS: 1.04 )
Ranked among companies with meaningful P/B only.
XBKS' s P/B Range Over the Past 10 Years
Min: 0.3  Med: 0.80 Max: 1.92
Current: 1.04
0.3
1.92
P/S 3.36
XBKS's P/S is ranked lower than
58% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. XBKS: 3.36 )
Ranked among companies with meaningful P/S only.
XBKS' s P/S Range Over the Past 10 Years
Min: 0.95  Med: 2.71 Max: 70.8
Current: 3.36
0.95
70.8
PFCF 51.55
XBKS's PFCF is ranked lower than
94% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. XBKS: 51.55 )
Ranked among companies with meaningful PFCF only.
XBKS' s PFCF Range Over the Past 10 Years
Min: 4.58  Med: 24.78 Max: 155.33
Current: 51.55
4.58
155.33
POCF 44.15
XBKS's POCF is ranked lower than
94% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. XBKS: 44.15 )
Ranked among companies with meaningful POCF only.
XBKS' s POCF Range Over the Past 10 Years
Min: 4.4  Med: 20.51 Max: 650
Current: 44.15
4.4
650
EV-to-EBIT 21.79
XBKS's EV-to-EBIT is ranked lower than
75% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. XBKS: 21.79 )
Ranked among companies with meaningful EV-to-EBIT only.
XBKS' s EV-to-EBIT Range Over the Past 10 Years
Min: -15.8  Med: 15.40 Max: 1569.9
Current: 21.79
-15.8
1569.9
EV-to-EBITDA 17.87
XBKS's EV-to-EBITDA is ranked lower than
71% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. XBKS: 17.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
XBKS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.9  Med: 11.20 Max: 1569.9
Current: 17.87
-25.9
1569.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
XBKS's Price/Tangible Book is ranked lower than
53% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. XBKS: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
XBKS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.26  Med: 0.96 Max: 1.65
Current: 1.17
0.26
1.65
Price/Median PS Value 1.22
XBKS's Price/Median PS Value is ranked lower than
75% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. XBKS: 1.22 )
Ranked among companies with meaningful Price/Median PS Value only.
XBKS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.3  Med: 1.01 Max: 16.47
Current: 1.22
0.3
16.47
Price/Graham Number 1.24
XBKS's Price/Graham Number is ranked lower than
81% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. XBKS: 1.24 )
Ranked among companies with meaningful Price/Graham Number only.
XBKS' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 1.14 Max: 8.45
Current: 1.24
0.42
8.45
Earnings Yield (Greenblatt) (%) 4.59
XBKS's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. XBKS: 4.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
XBKS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 6.10 Max: 44.8
Current: 4.59
0.1
44.8

More Statistics

Revenue (TTM) (Mil) $32.16
EPS (TTM) $ 0.27
Beta-0.01
Short Percentage of Float0.69%
52-Week Range $5.90 - 8.02
Shares Outstanding (Mil)13.13
» More Articles for XBKS

Headlines

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

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