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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
95% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. XBKS: No Debt )
XBKS' s 10-Year Cash to Debt Range
Min: 0.29   Max: No Debt
Current: No Debt

Equity to Asset 0.13
XBKS's Equity to Asset is ranked higher than
89% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. XBKS: 0.13 )
XBKS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.27
Current: 0.13

0.09
0.27
Interest Coverage 0.88
XBKS's Interest Coverage is ranked higher than
60% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. XBKS: 0.88 )
XBKS' s 10-Year Interest Coverage Range
Min: 0.07   Max: 1.71
Current: 0.88

0.07
1.71
F-Score: 4
Z-Score: 0.10
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 (%) 12.80
XBKS's Operating margin (%) is ranked higher than
54% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. XBKS: 12.80 )
XBKS' s 10-Year Operating margin (%) Range
Min: -4383.56   Max: 21.16
Current: 12.8

-4383.56
21.16
Net-margin (%) 8.33
XBKS's Net-margin (%) is ranked higher than
53% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. XBKS: 8.33 )
XBKS' s 10-Year Net-margin (%) Range
Min: -4293.84   Max: 32.4
Current: 8.33

-4293.84
32.4
ROE (%) 2.26
XBKS's ROE (%) is ranked higher than
53% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. XBKS: 2.26 )
XBKS' s 10-Year ROE (%) Range
Min: -12.13   Max: 8.43
Current: 2.26

-12.13
8.43
ROA (%) 0.29
XBKS's ROA (%) is ranked higher than
56% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. XBKS: 0.29 )
XBKS' s 10-Year ROA (%) Range
Min: -3.11   Max: 1.31
Current: 0.29

-3.11
1.31
ROC (Joel Greenblatt) (%) 60.19
XBKS's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. XBKS: 60.19 )
XBKS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -91.72   Max: 75.25
Current: 60.19

-91.72
75.25
Revenue Growth (%) 13.40
XBKS's Revenue Growth (%) is ranked higher than
93% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. XBKS: 13.40 )
XBKS' s 10-Year Revenue Growth (%) Range
Min: -67.7   Max: 231.2
Current: 13.4

-67.7
231.2
» 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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 40.30
XBKS's P/E(ttm) is ranked higher than
56% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. XBKS: 40.30 )
XBKS' s 10-Year P/E(ttm) Range
Min: 5.08   Max: 2129
Current: 40.3

5.08
2129
P/B 0.90
XBKS's P/B is ranked higher than
85% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. XBKS: 0.90 )
XBKS' s 10-Year P/B Range
Min: 0.3   Max: 1.92
Current: 0.9

0.3
1.92
P/S 2.94
XBKS's P/S is ranked higher than
72% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. XBKS: 2.94 )
XBKS' s 10-Year P/S Range
Min: 0.95   Max: 126.43
Current: 2.94

0.95
126.43
PFCF 1.10
XBKS's PFCF is ranked higher than
96% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. XBKS: 1.10 )
XBKS' s 10-Year PFCF Range
Min: 0.74   Max: 139.8
Current: 1.1

0.74
139.8
EV-to-EBIT 22.75
XBKS's EV-to-EBIT is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. XBKS: 22.75 )
XBKS' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 1569.1
Current: 22.75

2.9
1569.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
XBKS's Price/Tangible Book is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. XBKS: 1.10 )
XBKS' s 10-Year Price/Tangible Book Range
Min: 0.26   Max: 1.65
Current: 1.1

0.26
1.65
Price/DCF (Projected) 1.50
XBKS's Price/DCF (Projected) is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. XBKS: 1.50 )
XBKS' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 1.97
Current: 1.5

0.43
1.97
Price/Median PS Value 0.90
XBKS's Price/Median PS Value is ranked higher than
88% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. XBKS: 0.90 )
XBKS' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 24.35
Current: 0.9

0.25
24.35
Price/Graham Number 1.30
XBKS's Price/Graham Number is ranked higher than
64% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. XBKS: 1.30 )
XBKS' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 10.77
Current: 1.3

0.4
10.77
Earnings Yield (Greenblatt) 4.50
XBKS's Earnings Yield (Greenblatt) is ranked higher than
57% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. XBKS: 4.50 )
XBKS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 34.2
Current: 4.5

0.1
34.2
Forward Rate of Return (Yacktman) -25.14
XBKS's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. XBKS: -25.14 )
XBKS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -53.3   Max: -24.1
Current: -25.14

-53.3
-24.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Xenith Bankshares, Inc is incorporated in the state of Virginia. 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'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. The Bank's deposits are insured by the FDIC to the maximum amount permitted by law.
» 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. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Jul 01 2014
Xenith Bankshares, Inc. Announces Completion of Colonial Virginia Bank Acquisition Jul 01 2014
Xenith Bankshares, Inc. Announces Completion of Colonial Virginia Bank Acquisition Jul 01 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Other Events Jun 13 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Other Events May 23 2014
XENITH BANKSHARES, INC. Financials May 14 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 07 2014
Thomas G. Snead, Jr. Elected Chairman of the Board of Directors of Xenith Bankshares, Inc. May 07 2014
XENITH BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report May 06 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Other... May 01 2014
Xenith Bankshares, Inc. Reports First Quarter 2014 Results, Including Strong Loan Growth Apr 30 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Mar 25 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 21 2014
Xenith Bankshares, Inc. and Gloucester-Based Colonial Virginia Bank Announce Merger Agreement Mar 21 2014
Xenith Bankshares, Colonial Virginia Bank agree to merge Mar 21 2014
XENITH BANKSHARES, INC. Files SEC form 10-K, Annual Report Mar 11 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 20 2014
Xenith Bankshares, Inc. Reports 2013 Financial Results Reflecting Loan, Deposit, Total Asset Growth Feb 19 2014
XENITH BANKSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 24 2014
Xenith Bankshares, Inc. Announces Retirement of Director and Board Chairman Jan 23 2014

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