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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 0.14
EVBS's Cash-to-Debt is ranked lower than
95% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. EVBS: 0.14 )
Ranked among companies with meaningful Cash-to-Debt only.
EVBS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.36 Max: No Debt
Current: 0.14
Equity-to-Asset 0.09
EVBS's Equity-to-Asset is ranked lower than
62% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. EVBS: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
EVBS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.13
Current: 0.09
0.07
0.13
Interest Coverage 1.51
EVBS's Interest Coverage is ranked higher than
50% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. EVBS: 1.51 )
Ranked among companies with meaningful Interest Coverage only.
EVBS' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.49 Max: 1.83
Current: 1.51
0.11
1.83
Beneish M-Score: -2.39
WACC vs ROIC
2.27%
2.67%
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 % 20.40
EVBS's Operating Margin % is ranked lower than
72% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. EVBS: 20.40 )
Ranked among companies with meaningful Operating Margin % only.
EVBS' s Operating Margin % Range Over the Past 10 Years
Min: -73.92  Med: 10.1 Max: 31.1
Current: 20.4
-73.92
31.1
Net Margin % 13.92
EVBS's Net Margin % is ranked lower than
73% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. EVBS: 13.92 )
Ranked among companies with meaningful Net Margin % only.
EVBS' s Net Margin % Range Over the Past 10 Years
Min: -44.4  Med: 8.3 Max: 22.25
Current: 13.92
-44.4
22.25
ROE % 4.36
EVBS's ROE % is ranked lower than
77% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. EVBS: 4.36 )
Ranked among companies with meaningful ROE % only.
EVBS' s ROE % Range Over the Past 10 Years
Min: -12.46  Med: 1.97 Max: 9.8
Current: 4.36
-12.46
9.8
ROA % 0.54
EVBS's ROA % is ranked lower than
69% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. EVBS: 0.54 )
Ranked among companies with meaningful ROA % only.
EVBS' s ROA % Range Over the Past 10 Years
Min: -0.96  Med: 0.32 Max: 0.98
Current: 0.54
-0.96
0.98
3-Year Revenue Growth Rate -14.70
EVBS'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. EVBS: -14.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
EVBS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -29.8  Med: 6.3 Max: 29
Current: -14.7
-29.8
29
GuruFocus has detected 5 Warning Signs with Eastern Virginia Bankshares Inc $EVBS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» EVBS's 30-Y Financials

Financials (Next Earnings Date: 2017-07-25 Est.)


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

» Details

Guru Trades

EVBS Guru Trades in

EVBS Guru Trades in

Q4 2016

EVBS Guru Trades in Q4 2016

Jim Simons 64,329 sh (New)
» More
Q1 2017

EVBS Guru Trades in Q1 2017

Jim Simons 61,900 sh (-3.78%)
» More
» Details

Insider Trades

Latest Guru Trades with EVBS

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:CWBB, NAS:FCCO, NAS:SLCT, OTCPK:FNRN, NAS:FCCY, OTCPK:FRAF, NAS:DNBF, OTCPK:MVBF, OTCBB:DCBF, OTCPK:FNCB, NAS:FSBW, OTCPK:QNBC, OTCPK:STND, OTCBB:FKYS, NAS:TRCB, NAS:PEBK, NAS:AUBN, NAS:BOCH, NAS:RBPAA, NAS:ENFC » details
Headquarter Location:USA
Eastern Virginia Bankshares Inc is a bank holding company. Through its wholly-owned bank subsidiary, EVB, the Bank, provides personal and commercial banking services including commercial, consumer and real estate loans.

Eastern Virginia Bankshares Inc a Virginia corporation was incorporated on September 5, 1997. The Company is a bank holding company. Through its wholly-owned bank subsidiary, EVB, it operates 21 full service branches and 2 drive-in facilities in eastern Virginia. EVB is a community bank targeting small to medium-sized businesses and consumers in its traditional coastal plain markets and the emerging suburbs outside of the Richmond and Greater Tidewater areas. It provides personal and commercial banking services including commercial, consumer and real estate loans. It also provides retail and commercial deposit products and fee-based services. The Company's markets are located east of U.S. Route 250 and extend from northeast of Richmond to the Chesapeake Bay in central Virginia and across the James River from Colonial Heights to southeastern Virginia. It has four primary market areas: Northern Neck, Middle Peninsula, Capital or suburbs of Richmond and Southern. The Company's Northern Neck and Middle Peninsula regions are in the eastern coastal plain of Virginia. The Company's Capital region is comprised of Hanover, Henrico, King William counties and Colonial Heights which are emerging suburbs of Richmond. The Company's Southern region is comprised of New Kent, Surry, Sussex, and Southampton counties. The Company provides lending and credit services to customers including mortgage, commercial and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans in the Company's market area. It competes with national and regional financial institutions, savings associations and other independent community banks, as well as credit unions, mutual funds and life insurance companies. The Company is subject to the supervision of, the Board of Governors of the Federal Reserve System and the Federal Reserve Bank of Richmond.

Ratios

vs
industry
vs
history
PE Ratio 26.84
EVBS's PE Ratio is ranked lower than
84% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. EVBS: 26.84 )
Ranked among companies with meaningful PE Ratio only.
EVBS' s PE Ratio Range Over the Past 10 Years
Min: 10.8  Med: 17.72 Max: 79.17
Current: 26.84
10.8
79.17
PE Ratio without NRI 26.84
EVBS's PE Ratio without NRI is ranked lower than
84% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. EVBS: 26.84 )
Ranked among companies with meaningful PE Ratio without NRI only.
EVBS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.8  Med: 17.72 Max: 79.17
Current: 26.84
10.8
79.17
Price-to-Owner-Earnings 14.98
EVBS's Price-to-Owner-Earnings is ranked higher than
51% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. EVBS: 14.98 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
EVBS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.31  Med: 11.67 Max: 30.28
Current: 14.98
3.31
30.28
PB Ratio 1.16
EVBS's PB Ratio is ranked higher than
54% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. EVBS: 1.16 )
Ranked among companies with meaningful PB Ratio only.
EVBS' s PB Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.72 Max: 1.75
Current: 1.16
0.16
1.75
PS Ratio 3.75
EVBS's PS Ratio is ranked lower than
56% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. EVBS: 3.75 )
Ranked among companies with meaningful PS Ratio only.
EVBS' s PS Ratio Range Over the Past 10 Years
Min: 0.25  Med: 2.14 Max: 4.01
Current: 3.75
0.25
4.01
Price-to-Free-Cash-Flow 15.10
EVBS's Price-to-Free-Cash-Flow is ranked lower than
60% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. EVBS: 15.10 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EVBS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.78  Med: 11.54 Max: 36.52
Current: 15.1
0.78
36.52
Price-to-Operating-Cash-Flow 12.94
EVBS's Price-to-Operating-Cash-Flow is ranked lower than
59% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. EVBS: 12.94 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EVBS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.7  Med: 8.26 Max: 143.19
Current: 12.94
0.7
143.19
EV-to-EBIT 26.43
EVBS's EV-to-EBIT is ranked lower than
87% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. EVBS: 26.43 )
Ranked among companies with meaningful EV-to-EBIT only.
EVBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -96.3  Med: 20.2 Max: 319.1
Current: 26.43
-96.3
319.1
EV-to-EBITDA 21.42
EVBS's EV-to-EBITDA is ranked lower than
85% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. EVBS: 21.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
EVBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1414.9  Med: 17.1 Max: 68
Current: 21.42
-1414.9
68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.02
EVBS's Dividend Yield % is ranked lower than
89% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. EVBS: 1.02 )
Ranked among companies with meaningful Dividend Yield % only.
EVBS' s Dividend Yield % Range Over the Past 10 Years
Min: 0.15  Med: 2.83 Max: 8.6
Current: 1.02
0.15
8.6
Dividend Payout Ratio 0.25
EVBS's Dividend Payout Ratio is ranked higher than
75% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. EVBS: 0.25 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EVBS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.33 Max: 1.23
Current: 0.25
0.16
1.23
Forward Dividend Yield % 1.13
EVBS's Forward Dividend Yield % is ranked lower than
88% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. EVBS: 1.13 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.03
EVBS's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. EVBS: 1.03 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EVBS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.15  Med: 2.83 Max: 8.6
Current: 1.03
0.15
8.6
3-Year Average Share Buyback Ratio -3.40
EVBS's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. EVBS: -3.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EVBS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -29.1  Med: -0.6 Max: 1.6
Current: -3.4
-29.1
1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.34
EVBS's Price-to-Tangible-Book is ranked lower than
53% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. EVBS: 1.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EVBS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.22  Med: 1.38 Max: 2.83
Current: 1.34
0.22
2.83
Price-to-Intrinsic-Value-Projected-FCF 0.95
EVBS's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
66% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. EVBS: 0.95 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EVBS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.65 Max: 1.86
Current: 0.95
0.08
1.86
Price-to-Median-PS-Value 1.75
EVBS's Price-to-Median-PS-Value is ranked lower than
90% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. EVBS: 1.75 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EVBS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.13  Med: 1.45 Max: 14.14
Current: 1.75
0.13
14.14
Price-to-Graham-Number 1.26
EVBS's Price-to-Graham-Number is ranked lower than
68% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. EVBS: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EVBS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.56  Med: 1.06 Max: 1.62
Current: 1.26
0.56
1.62
Earnings Yield (Greenblatt) % 3.79
EVBS's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. EVBS: 3.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EVBS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 4 Max: 5.8
Current: 3.79
0.3
5.8
Forward Rate of Return (Yacktman) % -2.24
EVBS's Forward Rate of Return (Yacktman) % is ranked lower than
84% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. EVBS: -2.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
EVBS' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -2.24  Med: 21.1 Max: 77.4
Current: -2.24
-2.24
77.4

More Statistics

Revenue (TTM) (Mil) $52.54
EPS (TTM) $ 0.40
Beta-0.10
Short Percentage of Float0.05%
52-Week Range $6.86 - 11.71
Shares Outstanding (Mil)13.11
» More Articles for EVBS

Headlines

Articles On GuruFocus.com
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Nov 15 2010 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Aug 16 2010 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) May 13 2010 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) Aug 07 2009 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q/A) Jun 25 2009 
Eastern Virginia Bankshares Inc. Reports Operating Results (10-Q) May 06 2009 

More From Other Websites
Eastern Virginia Bankshares, Inc. : EVBS-US: Dividend Analysis : May 05th, 2017 (record date) : By... May 03 2017
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4 Reasons to Buy Eastern Virginia (EVBS) Stock Right Now Mar 31 2017
Eastern Virginia Bankshares, Inc. :EVBS-US: Earnings Analysis: Q4, 2016 By the Numbers : March 22,... Mar 22 2017
Eastern Virginia Bankshares, Inc. :EVBS-US: Earnings Analysis: 2016 By the Numbers : February 9,... Feb 09 2017
Eastern Virginia Bankshares, Inc. Releases Fourth Quarter and Full Year 2016 Results Feb 06 2017
Eastern Virginia Bankshares, Inc. : EVBS-US: Dividend Analysis : November 04th, 2016 (record date) :... Jan 04 2017
ETFs with exposure to Eastern Virginia Bankshares, Inc. : December 22, 2016 Dec 22 2016
Southern National Bancorp of Virginia, Inc. and Eastern Virginia Bankshares, Inc. Announce... Dec 13 2016
Eastern Virginia Bankshares, Inc. :EVBS-US: Earnings Analysis: Q3, 2016 By the Numbers : October 25,... Oct 25 2016
Eastern Virginia Bankshares, Inc. Releases Third Quarter 2016 Results Oct 24 2016
Eastern Virginia Bankshares, Inc. Releases Second Quarter 2016 Results Jul 25 2016
Eastern Virginia (EVBS) In Focus: Stock Moves 5.6% Higher Jun 30 2016
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Eastern Virginia Bankshares, Inc. Announces Plans to Relocate its Corporate Headquarters to 10900... Jun 15 2016

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