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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 2.65
CLBH's Cash-to-Debt is ranked higher than
52% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CLBH: 2.65 )
Ranked among companies with meaningful Cash-to-Debt only.
CLBH' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.87 Max: N/A
Current: 2.65
Equity-to-Asset 0.09
CLBH's Equity-to-Asset is ranked lower than
59% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CLBH: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
CLBH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.11
Current: 0.09
0.05
0.11
Interest Coverage 2.55
CLBH's Interest Coverage is ranked higher than
61% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CLBH: 2.55 )
Ranked among companies with meaningful Interest Coverage only.
CLBH' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.89 Max: 3.03
Current: 2.55
0.2
3.03
Beneish M-Score: -2.75
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 : 3/10

vs
industry
vs
history
Operating Margin % 20.50
CLBH's Operating Margin % is ranked lower than
75% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CLBH: 20.50 )
Ranked among companies with meaningful Operating Margin % only.
CLBH' s Operating Margin % Range Over the Past 10 Years
Min: -12.2  Med: 16.32 Max: 31.41
Current: 20.5
-12.2
31.41
Net Margin % 14.67
CLBH's Net Margin % is ranked lower than
74% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CLBH: 14.67 )
Ranked among companies with meaningful Net Margin % only.
CLBH' s Net Margin % Range Over the Past 10 Years
Min: -6.52  Med: 11.15 Max: 20.13
Current: 14.67
-6.52
20.13
ROE % 7.99
CLBH's ROE % is ranked lower than
55% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CLBH: 7.99 )
Ranked among companies with meaningful ROE % only.
CLBH' s ROE % Range Over the Past 10 Years
Min: -7.67  Med: 6.42 Max: 12.5
Current: 7.99
-7.67
12.5
ROA % 0.72
CLBH's ROA % is ranked lower than
62% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CLBH: 0.72 )
Ranked among companies with meaningful ROA % only.
CLBH' s ROA % Range Over the Past 10 Years
Min: -0.35  Med: 0.55 Max: 1.1
Current: 0.72
-0.35
1.1
3-Year Revenue Growth Rate -14.50
CLBH's 3-Year Revenue Growth Rate is ranked lower than
93% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CLBH: -14.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CLBH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -14.5  Med: 15.25 Max: 109.5
Current: -14.5
-14.5
109.5
3-Year EBITDA Growth Rate -17.50
CLBH's 3-Year EBITDA Growth Rate is ranked lower than
91% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CLBH: -17.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CLBH' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -79.5  Med: 10.3 Max: 566.3
Current: -17.5
-79.5
566.3
3-Year EPS without NRI Growth Rate -14.20
CLBH's 3-Year EPS without NRI Growth Rate is ranked lower than
87% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CLBH: -14.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CLBH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17.9  Med: 13.35 Max: 33
Current: -14.2
-17.9
33
GuruFocus has detected 5 Warning Signs with Carolina Bank Holdings Inc $CLBH.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CLBH's 30-Y Financials

Financials (Next Earnings Date: 2017-07-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

CLBH Guru Trades in

Q3 2016

CLBH Guru Trades in Q3 2016

Jim Simons 21,633 sh (New)
Paul Tudor Jones 38,958 sh (New)
» More
Q4 2016

CLBH Guru Trades in Q4 2016

Paul Tudor Jones 49,958 sh (+28.24%)
Jim Simons 18,700 sh (-13.56%)
» More
Q1 2017

CLBH Guru Trades in Q1 2017

Jim Simons Sold Out
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CLBH

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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FCCY, NAS:SLCT, OTCPK:CWBB, OTCPK:QNBC, NAS:EVBS, NAS:FCCO, OTCPK:FNRN, OTCPK:FRAF, OTCBB:FKYS, NAS:DNBF, OTCPK:MVBF, OTCBB:DCBF, OTCPK:FNCB, NAS:TRCB, NAS:FSBW, NAS:PEBK, NAS:BOCH, NAS:ENFC, NAS:OPOF, OTCPK:STND » details
Headquarter Location:USA
Carolina Bank Holdings Inc is a bank holding company. The Company, through Carolina Bank offers traditional, commercial, and consumer banking services, including personal and commercial checking and savings accounts.

Carolina Bank Holdings Inc was incorporated under the laws of the State of North Carolina on August 16, 2000. It is a bank holding company for Carolina Bank. The Company is engaged in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. Its operations are mainly commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived mainly from customers in its geographic market. The Company is considered to have three principal business segments Commercial/Retail Bank, the Mortgage Division, and the Holding Company. The mortgage division originates residential mortgage loans through other banks and brokers in addition to retail loan officers, who are located in five loan production offices and in five of its banking offices, and sells the loans to investors. The Company's primary service area consists of the Cities of Greensboro, High Point, Burlington, Winston-Salem and Asheboro, North Carolina and the areas immediately surrounding Greensboro, High Point, Burlington, Winston-Salem and Asheboro, all of which are located in Guilford, Alamance, Forsyth and Randolph Counties, North Carolina. Residential mortgage loan production offices are located in Burlington, Chapel Hill, Hillsborough, Raleigh and Sanford, NC. The Company competes directly for deposits in its primary service area with other commercial banks, savings banks, credit unions, agencies issuing United States government securities and all other organizations and institutions engaged in money market transactions, in lending activities, the bank competes with all other financial institutions. The Company is subject to supervision, examination and regulation by the North Carolina Office of the Commissioner of Banks ("Commissioner") and the FDIC and to North Carolina and federal statutory and regulatory provisions governing such matters as capital standards, mergers, subsidiary investments and establishment of branch offices.

Ratios

vs
industry
vs
history
PE Ratio 27.44
CLBH's PE Ratio is ranked lower than
87% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CLBH: 27.44 )
Ranked among companies with meaningful PE Ratio only.
CLBH' s PE Ratio Range Over the Past 10 Years
Min: 3.98  Med: 11.88 Max: 39.26
Current: 27.44
3.98
39.26
PE Ratio without NRI 27.44
CLBH's PE Ratio without NRI is ranked lower than
87% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CLBH: 27.44 )
Ranked among companies with meaningful PE Ratio without NRI only.
CLBH' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.98  Med: 11.87 Max: 39.26
Current: 27.44
3.98
39.26
Price-to-Owner-Earnings 25.59
CLBH's Price-to-Owner-Earnings is ranked lower than
84% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CLBH: 25.59 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CLBH' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.32  Med: 8.49 Max: 26.23
Current: 25.59
0.32
26.23
PB Ratio 2.13
CLBH's PB Ratio is ranked lower than
86% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CLBH: 2.13 )
Ranked among companies with meaningful PB Ratio only.
CLBH' s PB Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.86 Max: 2.21
Current: 2.13
0.26
2.21
PS Ratio 3.93
CLBH's PS Ratio is ranked lower than
60% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CLBH: 3.93 )
Ranked among companies with meaningful PS Ratio only.
CLBH' s PS Ratio Range Over the Past 10 Years
Min: 0.22  Med: 1.02 Max: 11.13
Current: 3.93
0.22
11.13
Price-to-Free-Cash-Flow 9.22
CLBH's Price-to-Free-Cash-Flow is ranked higher than
61% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CLBH: 9.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CLBH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.3  Med: 2.95 Max: 15.41
Current: 9.22
0.3
15.41
Price-to-Operating-Cash-Flow 9.15
CLBH's Price-to-Operating-Cash-Flow is ranked higher than
57% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CLBH: 9.15 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CLBH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.3  Med: 2.74 Max: 209.55
Current: 9.15
0.3
209.55
EV-to-EBIT 14.62
CLBH's EV-to-EBIT is ranked lower than
57% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CLBH: 14.62 )
Ranked among companies with meaningful EV-to-EBIT only.
CLBH' s EV-to-EBIT Range Over the Past 10 Years
Min: -17.9  Med: 7.9 Max: 55
Current: 14.62
-17.9
55
EV-to-EBITDA 13.14
CLBH's EV-to-EBITDA is ranked lower than
56% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CLBH: 13.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
CLBH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -24.7  Med: 7.6 Max: 375.9
Current: 13.14
-24.7
375.9
Shiller PE Ratio 43.46
CLBH's Shiller PE Ratio is ranked lower than
89% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CLBH: 43.46 )
Ranked among companies with meaningful Shiller PE Ratio only.
CLBH' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.56  Med: 16.9 Max: 44.84
Current: 43.46
6.56
44.84

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -14.00
CLBH's 3-Year Average Share Buyback Ratio is ranked lower than
83% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CLBH: -14.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CLBH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.2  Med: -0.75 Max: 0
Current: -14
-22.2
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.13
CLBH's Price-to-Tangible-Book is ranked lower than
80% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CLBH: 2.13 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CLBH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.26  Med: 1.03 Max: 2.13
Current: 2.13
0.26
2.13
Price-to-Intrinsic-Value-Projected-FCF 0.77
CLBH's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
52% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CLBH: 0.77 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CLBH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.28  Med: 1.08 Max: 8.13
Current: 0.77
0.28
8.13
Price-to-Median-PS-Value 3.86
CLBH's Price-to-Median-PS-Value is ranked lower than
98% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CLBH: 3.86 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CLBH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.21  Med: 1.87 Max: 18.09
Current: 3.86
0.21
18.09
Price-to-Graham-Number 1.61
CLBH's Price-to-Graham-Number is ranked lower than
89% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CLBH: 1.61 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CLBH' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.28  Med: 0.95 Max: 1.66
Current: 1.61
0.28
1.66
Earnings Yield (Greenblatt) % 6.84
CLBH's Earnings Yield (Greenblatt) % is ranked higher than
56% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CLBH: 6.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CLBH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.8  Med: 7.5 Max: 11775.4
Current: 6.84
1.8
11775.4
Forward Rate of Return (Yacktman) % 5.59
CLBH's Forward Rate of Return (Yacktman) % is ranked lower than
68% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CLBH: 5.59 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CLBH' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -120.4  Med: 6.3 Max: 44.4
Current: 5.59
-120.4
44.4

More Statistics

Revenue (TTM) (Mil) $34.84
EPS (TTM) $ 1.02
Short Percentage of Float0.08%
52-Week Range $14.41 - 29.25
Shares Outstanding (Mil)5.05

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 1.21
EPS without NRI ($) 1.21
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for CLBH

Headlines

Articles On GuruFocus.com
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) Aug 12 2010 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) May 14 2010 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) Nov 13 2009 
Carolina Bank Holdings Inc. (CLBH) CFO T Allen Liles buys 1,000 Shares Aug 28 2009 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) Aug 05 2009 
Carolina Bank Holdings Inc. Reports Operating Results (10-Q) May 15 2009 
Carolina Bank Holdings Inc. (CLBH) CFO T Allen Liles buys 2,902 Shares May 12 2009 

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