Commercial Bancshares (Commercial Bancshares) Financial Strength : 0 (As of Sep. 2016)

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What is Commercial Bancshares Financial Strength?

Commercial Bancshares has the Financial Strength Rank of 0.

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). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.

GuruFocus does not calculate Commercial Bancshares's interest coverage with the available data. Commercial Bancshares's debt to revenue ratio for the quarter that ended in Sep. 2016 was 0.09. Altman Z-Score does not apply to banks and insurance companies.

Commercial Bancshares Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Commercial Bancshares's Interest Expense for the months ended in Sep. 2016 was $-0.23 Mil. Its Operating Income for the months ended in Sep. 2016 was $0.74 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2016 was $1.48 Mil.

Commercial Bancshares's Interest Coverage for the quarter that ended in Sep. 2016 is

Interest Coverage	=	-1	*	Operating Income (Q: Sep. 2016 )	/	Interest Expense (Q: Sep. 2016 )
	=	-1	*	0.738	/	-0.23
	=	3.21

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Commercial Bancshares's Debt to Revenue Ratio for the quarter that ended in Sep. 2016 is

Debt to Revenue Ratio	=	Total Debt (Q: Sep. 2016 )			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(0	+	1.483)	/	16.052
	=	0.09

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Commercial Bancshares (OTCPK:CMOH) Financial Strength Explanation

The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.

Commercial Bancshares has the Financial Strength Rank of 0.

Commercial Bancshares Financial Strength Related Terms

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Commercial Bancshares (Commercial Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Commercial Bancshares Inc (OTCPK:CMOH) » Definitions » Financial Strength

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.csbanking.com

Commercial Bancshares Inc is a corporation organized under the laws of the State of Ohio on April 20, 1920. It operates as a financial holding company for The Commercial Savings Bank. The main business of the Corporation presently is to operate the Bank, which is a wholly-owned subsidiary, and its main asset. The Bank provides customary retail and commercial banking services to its customers, including acceptance of deposits for demand, savings and time accounts, individual retirement accounts (IRAs) and servicing of such accounts; commercial, consumer and real estate lending, including installment loans, and safe deposit and night depository facilities. The Bank grants residential, installment and commercial loans to customers located mainly in the Ohio counties of Wyandot, Marion and Hancock and the surrounding area. Commercial loans are mainly variable rate and include operating lines of credit and term loans made to small businesses mainly based on the ability to repay the loan from the cash flow of the business. The Bank, Commercial Financial and Beck Title compete for business mainly in the Ohio counties of Wyandot, Hancock and Marion. The business in which the Corporation and its subsidiary are engaged is subject to extensive supervision, regulation and examination by various bank regulatory authorities.

Executives

Robert E Beach

director, officer: President and CEO

2120 BLUESTONE DRIVE, FINDLAY OH 45840