Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
8.28 (1y: -70%)
Market Cap 166.06 M P/E(ttm)
Enterprise Value 281.08 M P/B 1.82
FNBN- NAS (USA)
FNB United Corp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$8.28
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 : 4/10

vs
industry		 vs
history
Cash to Debt 2.083
FNBN's Cash to Debt is ranked higher than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FNBN: 2.083 )
FNBN' s 10-Year Cash to Debt Range
Min: 0.08   Max: 4.81
Current: 2.08
0.08
4.81
Equity to Asset 0.04
FNBN's Equity to Asset is ranked lower than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNBN: 0.04 )
FNBN' s 10-Year Equity to Asset Range
Min: -0.01   Max: 0.1
Current: 0.04
-0.01
0.1
Interest Coverage No Debt
FNBN's Interest Coverage is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FNBN: No Debt )
FNBN' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 1
Z-Score: -0.11
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 (%) -49.30
FNBN's Operating margin (%) is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. FNBN: -49.30 )
FNBN' s 10-Year Operating margin (%) Range
Min: -212.7   Max: 35.2
Current: -49.3
-212.7
35.2
Net-margin (%) -48.1
FNBN's Net-margin (%) is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FNBN: -48.1 )
FNBN' s 10-Year Net-margin (%) Range
Min: -223.2   Max: 25.2
Current: -48.1
-223.2
25.2
ROE (%) -40.6
FNBN's ROE (%) is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FNBN: -40.6 )
FNBN' s 10-Year ROE (%) Range
Min: -106.4   Max: 13.1
Current: -40.6
-106.4
13.1
ROA (%) -1.9
FNBN's ROA (%) is ranked lower than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNBN: -1.9 )
FNBN' s 10-Year ROA (%) Range
Min: -5.9   Max: 1.2
Current: -1.9
-5.9
1.2
Revenue Growth (%) -73
FNBN's Revenue Growth (%) is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FNBN: -73 )
FNBN' s 10-Year Revenue Growth (%) Range
Min: -73   Max: 8.3
Current: -73
-73
8.3
EBITDA Growth (%) -78.5
FNBN's EBITDA Growth (%) is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. FNBN: -78.5 )
FNBN' s 10-Year EBITDA Growth (%) Range
Min: -78.5   Max: 16.1
Current: -78.5
-78.5
16.1
EPS Growth (%) -78.7
FNBN's EPS Growth (%) is ranked lower than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. FNBN: -78.7 )
FNBN' s 10-Year EPS Growth (%) Range
Min: -78.7   Max: 20
Current: -78.7
-78.7
20
» FNBN's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FNBN



No Insider Trades Found!

Top Ranked Articles about FNB United Corp

Insider Cluster Buys Reported at 52-Week Lows
May 14, 2013
- Insider Cluster Buys Reported At 52-Week Lows
In the past week, three different companies reported insider cluster buys involving three or more corporate executives. The following three companies are also nearing or sitting at their 52-week lows in price. Read more...
Weekly CFO Buys Highlight: FNBN, PTEK, VNR, DNR
January 7, 2013
According to GuruFocus Insider Data, these are the largest CFO buys during the past week. The overall trend of CFOs is illustrated in the chart below: Read more...

Ratios

vs
industry		 vs
history
P/B 1.82
FNBN's P/B is ranked lower than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FNBN: 1.82 )
FNBN' s 10-Year P/B Range
Min: 0.08   Max: 5.24
Current: 1.82
0.08
5.24
P/S 2.07
FNBN's P/S is ranked lower than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FNBN: 2.07 )
FNBN' s 10-Year P/S Range
Min: 0.02   Max: 4.69
Current: 2.07
0.02
4.69
EV-to-EBIT -8.56
FNBN's EV-to-EBIT is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. FNBN: -8.56 )
FNBN' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 118.7
Current: -8.56
7.6
118.7
Shiller P/E 1.9
FNBN's Shiller P/E is ranked lower than
78% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. FNBN: 1.9 )
FNBN' s 10-Year Shiller P/E Range
Min: 2.63   Max: 44.86
Current: 1.9
2.63
44.86

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 2.1
FNBN's Price/Tangible Book is ranked higher than
98% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNBN: 2.1 )
FNBN' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.9
Current: 2.1
0.2
2.9
Price/DCF (Projected) 0.9
FNBN's Price/DCF (Projected) is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FNBN: 0.9 )
FNBN' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.3
Current: 0.9
0.1
1.3
Price/Median PS Value 0.9
FNBN's Price/Median PS Value is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNBN: 0.9 )
FNBN' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.4
Current: 0.9
0.1
1.4
Earnings Yield (Greenblatt) 0.60
FNBN's Earnings Yield (Greenblatt) is ranked lower than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FNBN: 0.60 )
FNBN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 13.1
Current: 0.6
0.8
13.1
Forward Rate of Return (Yacktman) 1547.06
FNBN's Forward Rate of Return (Yacktman) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. FNBN: 1547.06 )
FNBN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.9   Max: 90.7
Current: 1547.06
16.9
90.7

Business Description

FNB United Corp. was incorporated under the laws of the State of North Carolina in 1984. It is a bank holding company with two bank subsidiaries: CommunityOne Bank, N.A., a national banking association headquartered in Asheboro, North Carolina and, through Bank of Granite Corporation, Bank of Granite, a state chartered bank headquartered in Granite Falls, North Carolina. As of December 31, 2011 CommunityOne had 45 branches, $843.9 million in loans and $1.4 billion in deposits. As of December 31, 2011 Granite had 18 branches, $373.9 million in loans and $688.5 million in deposits. Through its bank subsidiaries, the Company offers a complete line of consumer, mortgage and business banking services, including loan, deposit, cash management, investment management and trust services, to individual and business customers through operations located in Alamance, Alexander, Ashe, Burke, Caldwell, Catawba, Chatham, Gaston, Guilford, Iredell, Mecklenburg, Montgomery, Moore, Orange, Randolph, Richmond, Rowan, Scotland, Watauga and Wilkes counties in North Carolina. CommunityOne and Granite compete with other local, regional and national financial service providers, including other bank and financial holding companies, commercial banks, savings institutions, credit unions, finance companies and brokerage and insurance firms. The Company is subject to regulation under the Bank Holding Company Act of 1956, as amended, and to inspection, examination and supervision by the Federal Reserve Board.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
» More Articles for FNBN

Headlines

Articles On GuruFocus.com
Insider Cluster Buys Reported at 52-Week Lows May 14 2013 
New Feature – Stocks at 3-Year Highs, 3-Year Lows, 5-Year Highs and 5-Year Lows Jan 23 2013 
Weekly CFO Buys Highlight: FNBN, PTEK, VNR, DNR Jan 07 2013 
FNB United Corp. Reports Operating Results (10-K) Mar 14 2011 
FNB United Corp. Reports Operating Results (10-Q) May 17 2010 
FNB United Corp. Reports Operating Results (10-Q) Nov 06 2009 
FNB United Corp. Reports Operating Results (10-Q) May 08 2009 

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?

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