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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 1.77
OTCPK:CROL's Cash-to-Debt is ranked lower than
52% of the 1656 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. OTCPK:CROL: 1.77 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:CROL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.83  Med: 1.14 Max: N/A
Current: 1.77
Equity-to-Asset 0.10
OTCPK:CROL's Equity-to-Asset is ranked lower than
58% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. OTCPK:CROL: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:CROL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.13
Current: 0.1
0.06
0.13
Interest Coverage 0.34
OTCPK:CROL's Interest Coverage is ranked lower than
89% of the 1583 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. OTCPK:CROL: 0.34 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:CROL' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 0.63 Max: 0.96
Current: 0.34
0.34
0.96
Beneish M-Score: -2.24
WACC vs ROIC
1.97%
1.48%
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 : 3/10

vs
industry
vs
history
Operating Margin % 6.14
OTCPK:CROL's Operating Margin % is ranked lower than
90% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.61 vs. OTCPK:CROL: 6.14 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:CROL' s Operating Margin % Range Over the Past 10 Years
Min: -9.64  Med: 4.36 Max: 15.55
Current: 6.14
-9.64
15.55
Net Margin % 4.32
OTCPK:CROL's Net Margin % is ranked lower than
90% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.71 vs. OTCPK:CROL: 4.32 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:CROL' s Net Margin % Range Over the Past 10 Years
Min: -5.02  Med: 3.17 Max: 9.69
Current: 4.32
-5.02
9.69
ROE % 1.38
OTCPK:CROL's ROE % is ranked lower than
89% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. OTCPK:CROL: 1.38 )
Ranked among companies with meaningful ROE % only.
OTCPK:CROL' s ROE % Range Over the Past 10 Years
Min: -2.35  Med: 1.14 Max: 4.07
Current: 1.38
-2.35
4.07
ROA % 0.15
OTCPK:CROL's ROA % is ranked lower than
90% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OTCPK:CROL: 0.15 )
Ranked among companies with meaningful ROA % only.
OTCPK:CROL' s ROA % Range Over the Past 10 Years
Min: -0.14  Med: 0.11 Max: 0.35
Current: 0.15
-0.14
0.35
3-Year Revenue Growth Rate -14.60
OTCPK:CROL's 3-Year Revenue Growth Rate is ranked lower than
93% of the 1397 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. OTCPK:CROL: -14.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:CROL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -14.6 Max: 1
Current: -14.6
0
1
GuruFocus has detected 5 Warning Signs with Carroll Bancorp Inc $OTCPK:CROL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:CROL's 30-Y Financials

Financials


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

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCBB:CNNB, OTCPK:CZID, OTCPK:MWBC, OTCPK:ALBY, OTCPK:FRSB, OTCPK:CUMD, OTCPK:DLNO, OTCBB:SUGR, OTCPK:HWIS, OTCPK:CZBS, OTCPK:SSNF, OTCPK:FCNH, OTCBB:CFDB, OTCPK:QNTO, OTCBB:CCSB, OTCPK:CIBH, OTCPK:CYSM, NAS:WCFB, OTCPK:NUBK, OTCPK:OJCB » details
Headquarter Location:USA
Carroll Bancorp Inc is a bank holding company. It attracts and accepts deposits from the general public near its offices and invests those deposits, together with funds generated from operations in residential mortgage and commercial real estate loans.

Carroll Bancorp Inc focuses on operating as the bank holding company for Carroll Community Bank that provides financial services to individuals, families, and businesses in Carroll and Howard Counties, Maryland.

Ratios

vs
industry
vs
history
PE Ratio 70.47
CROL's PE Ratio is ranked lower than
96% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. CROL: 70.47 )
Ranked among companies with meaningful PE Ratio only.
CROL' s PE Ratio Range Over the Past 10 Years
Min: 19.32  Med: 51.34 Max: 74.52
Current: 70.47
19.32
74.52
PE Ratio without NRI 74.00
CROL's PE Ratio without NRI is ranked lower than
96% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. CROL: 74.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
CROL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 19.23  Med: 51.77 Max: 78.25
Current: 74
19.23
78.25
Price-to-Owner-Earnings 46.99
CROL's Price-to-Owner-Earnings is ranked lower than
93% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.22 vs. CROL: 46.99 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CROL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 30.59  Med: 46.19 Max: 102.29
Current: 46.99
30.59
102.29
PB Ratio 0.96
CROL's PB Ratio is ranked higher than
65% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CROL: 0.96 )
Ranked among companies with meaningful PB Ratio only.
CROL' s PB Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.77 Max: 1.04
Current: 0.96
0.4
1.04
PS Ratio 2.99
CROL's PS Ratio is ranked higher than
58% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CROL: 2.99 )
Ranked among companies with meaningful PS Ratio only.
CROL' s PS Ratio Range Over the Past 10 Years
Min: 0.95  Med: 2.14 Max: 3.29
Current: 2.99
0.95
3.29
Price-to-Free-Cash-Flow 24.91
CROL's Price-to-Free-Cash-Flow is ranked lower than
86% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.52 vs. CROL: 24.91 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CROL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.37  Med: 8.71 Max: 32.46
Current: 24.91
2.37
32.46
Price-to-Operating-Cash-Flow 17.09
CROL's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.47 vs. CROL: 17.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CROL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.22  Med: 8.11 Max: 24.37
Current: 17.09
2.22
24.37
EV-to-EBIT 19.10
CROL's EV-to-EBIT is ranked lower than
70% of the 1267 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. CROL: 19.10 )
Ranked among companies with meaningful EV-to-EBIT only.
CROL' s EV-to-EBIT Range Over the Past 10 Years
Min: -33.7  Med: 19 Max: 99999999.99
Current: 19.1
-33.7
99999999.99
EV-to-EBITDA 12.11
CROL's EV-to-EBITDA is ranked lower than
55% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.09 vs. CROL: 12.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
CROL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -213.1  Med: 13.4 Max: 742.3
Current: 12.11
-213.1
742.3

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -32.00
CROL's 3-Year Average Share Buyback Ratio is ranked lower than
94% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CROL: -32.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CROL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -32  Med: -10.8 Max: 0
Current: -32
-32
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.96
CROL's Price-to-Tangible-Book is ranked higher than
66% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CROL: 0.96 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CROL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.43  Med: 0.76 Max: 1.04
Current: 0.96
0.43
1.04
Price-to-Intrinsic-Value-Projected-FCF 0.82
CROL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
53% of the 914 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. CROL: 0.82 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CROL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.82  Med: 0.83 Max: 0.84
Current: 0.82
0.82
0.84
Price-to-Median-PS-Value 1.39
CROL's Price-to-Median-PS-Value is ranked lower than
74% of the 1559 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CROL: 1.39 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CROL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 0.83 Max: 1.47
Current: 1.39
0.48
1.47
Price-to-Graham-Number 1.78
CROL's Price-to-Graham-Number is ranked lower than
92% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CROL: 1.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CROL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.78  Med: 1.11 Max: 1.8
Current: 1.78
0.78
1.8
Earnings Yield (Greenblatt) % 5.22
CROL's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. CROL: 5.22 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CROL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -7.7  Med: 3.6 Max: 59.3
Current: 5.22
-7.7
59.3

More Statistics

Revenue (TTM) (Mil) $5.21
EPS (TTM) $ 0.21
Beta-0.27
Short Percentage of Float0.00%
52-Week Range $14.09 - 16.00
Shares Outstanding (Mil)1.06
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