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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 4.38
FBSS's Cash-to-Debt is ranked higher than
60% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FBSS: 4.38 )
Ranked among companies with meaningful Cash-to-Debt only.
FBSS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18  Med: 1.08 Max: No Debt
Current: 4.38
Equity-to-Asset 0.09
FBSS's Equity-to-Asset is ranked lower than
60% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBSS: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
FBSS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.1
Current: 0.09
0.07
0.1
Interest Coverage 2.58
FBSS's Interest Coverage is ranked higher than
62% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. FBSS: 2.58 )
Ranked among companies with meaningful Interest Coverage only.
FBSS' s Interest Coverage Range Over the Past 10 Years
Min: 0.53  Med: 0.78 Max: 2.58
Current: 2.58
0.53
2.58
Beneish M-Score: -2.48
WACC vs ROIC
5.25%
123.95%
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 : 4/10

vs
industry
vs
history
Operating Margin % 19.21
FBSS's Operating Margin % is ranked lower than
78% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. FBSS: 19.21 )
Ranked among companies with meaningful Operating Margin % only.
FBSS' s Operating Margin % Range Over the Past 10 Years
Min: -7.79  Med: 19.01 Max: 28.46
Current: 19.21
-7.79
28.46
Net Margin % 15.24
FBSS's Net Margin % is ranked lower than
74% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. FBSS: 15.24 )
Ranked among companies with meaningful Net Margin % only.
FBSS' s Net Margin % Range Over the Past 10 Years
Min: -2.34  Med: 14.54 Max: 20.02
Current: 15.24
-2.34
20.02
ROE % 7.08
FBSS's ROE % is ranked lower than
63% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. FBSS: 7.08 )
Ranked among companies with meaningful ROE % only.
FBSS' s ROE % Range Over the Past 10 Years
Min: -1.14  Med: 8.6 Max: 12.33
Current: 7.08
-1.14
12.33
ROA % 0.62
FBSS's ROA % is ranked lower than
68% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FBSS: 0.62 )
Ranked among companies with meaningful ROA % only.
FBSS' s ROA % Range Over the Past 10 Years
Min: -0.1  Med: 0.66 Max: 0.98
Current: 0.62
-0.1
0.98
3-Year Revenue Growth Rate -2.40
FBSS's 3-Year Revenue Growth Rate is ranked lower than
79% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. FBSS: -2.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FBSS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.4  Med: 2.45 Max: 85.9
Current: -2.4
-3.4
85.9
3-Year EBITDA Growth Rate -4.40
FBSS's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FBSS: -4.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FBSS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -17.4  Med: 3.05 Max: 17.5
Current: -4.4
-17.4
17.5
3-Year EPS without NRI Growth Rate -5.50
FBSS's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FBSS: -5.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FBSS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.7  Med: 4.6 Max: 19.9
Current: -5.5
-16.7
19.9
GuruFocus has detected 4 Warning Signs with Fauquier Bankshares Inc $FBSS.
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» FBSS's 30-Y Financials

Financials (Next Earnings Date: 2017-08-05 Est.)


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:NAS:UBOH, OTCPK:FXNC, NAS:PFBX, NAS:FUSB, NAS:EBMT, OTCPK:MNSB, NAS:PNBK, NAS:WEBK, NAS:CZWI, OTCPK:AFCB, NAS:SFBC, OTCBB:FETM, OTCPK:NWYF, NAS:BOTJ, OTCPK:CMOH, NAS:ASRV, NAS:UBCP, OTCPK:JFBC, NAS:MGYR, OTCPK:FMBJ » details
Headquarter Location:USA
Fauquier Bankshares Inc is a holding company for The Fauquier Bank and Fauquier Statutory Trust II. It provides commercial, financial, agricultural, and residential and consumer loans to customers mainly in Virginia.

Fauquier Bankshares Inc was incorporated under the laws of the Commonwealth of Virginia on January 13, 1984. It is the holding company of The Fauquier Bank ("the Bank") and Fauquier Statutory Trust II (Trust II). The Bank provides commercial, financial, agricultural, and residential and consumer loans to customers mainly in Virginia. The loan portfolio is collateralized by assets of the customers. The Bank provides consumer and commercial banking services to individuals, businesses and industries. The basic services offered by the Bank include: demand interest bearing and non-interest bearing accounts, money market deposit accounts, NOW accounts, time deposits, safe deposit services, credit cards, cash management, direct deposits, notary services, night depository, travel and gift cards, cashier's checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, internet banking, telephone banking, and banking by mail. In addition, the Bank makes secured and unsecured commercial and real estate loans, issues stand-by letters of credit and grants available credit for installment, unsecured and secured personal loans, residential mortgages and home equity loans, as well as automobile and other types of consumer financing. The Bank provides automated teller machine (ATM) cards, as a part of the Star, NYCE, and Plus ATM networks, thereby permitting customers to utilize the convenience of larger ATM networks. The Bank operates a Wealth Management Services (WMS). The WMS division provides personalized services that include investment management, trust, estate settlement, retirement, insurance, and brokerage services. The Bank offers lending services, including real estate, consumer and commercial loans, to individuals as well as small-to-medium sized businesses and other organizations that are located in or conduct a substantial portion of their business in the Bank's market area. It invests a portion of its assets in U.S. Government-sponsored corporation and agency obligations, state, county and municipal obligations, corporate obligations, mutual funds, FHLB stock and equity securities. The Company has identified the following as loan segments and classes: commercial and industrial, commercial real estate, construction and land, residential real estate, home equity lines of credit, student and consumer. The Company encounters strong competition both in making loans and in attracting deposits.

Ratios

vs
industry
vs
history
PE Ratio 18.19
FBSS's PE Ratio is ranked lower than
66% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FBSS: 18.19 )
Ranked among companies with meaningful PE Ratio only.
FBSS' s PE Ratio Range Over the Past 10 Years
Min: 9.32  Med: 13.98 Max: 22.73
Current: 18.19
9.32
22.73
PE Ratio without NRI 18.19
FBSS's PE Ratio without NRI is ranked lower than
66% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FBSS: 18.19 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBSS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.32  Med: 13.98 Max: 22.73
Current: 18.19
9.32
22.73
Price-to-Owner-Earnings 15.57
FBSS's Price-to-Owner-Earnings is ranked lower than
57% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. FBSS: 15.57 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBSS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.52  Med: 14.53 Max: 304.49
Current: 15.57
7.52
304.49
PB Ratio 1.28
FBSS's PB Ratio is ranked lower than
56% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FBSS: 1.28 )
Ranked among companies with meaningful PB Ratio only.
FBSS' s PB Ratio Range Over the Past 10 Years
Min: 0.82  Med: 1.1 Max: 2.39
Current: 1.28
0.82
2.39
PS Ratio 2.81
FBSS's PS Ratio is ranked higher than
61% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. FBSS: 2.81 )
Ranked among companies with meaningful PS Ratio only.
FBSS' s PS Ratio Range Over the Past 10 Years
Min: 1.36  Med: 2.15 Max: 3.77
Current: 2.81
1.36
3.77
Price-to-Free-Cash-Flow 11.45
FBSS's Price-to-Free-Cash-Flow is ranked higher than
50% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. FBSS: 11.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FBSS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.48  Med: 10.05 Max: 155.8
Current: 11.45
4.48
155.8
Price-to-Operating-Cash-Flow 10.89
FBSS's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. FBSS: 10.89 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FBSS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.71  Med: 8.22 Max: 18.61
Current: 10.89
3.71
18.61
EV-to-EBIT 2.70
FBSS's EV-to-EBIT is ranked higher than
89% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. FBSS: 2.70 )
Ranked among companies with meaningful EV-to-EBIT only.
FBSS' s EV-to-EBIT Range Over the Past 10 Years
Min: -10.8  Med: 5.1 Max: 21
Current: 2.7
-10.8
21
EV-to-EBITDA 2.07
FBSS's EV-to-EBITDA is ranked higher than
91% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. FBSS: 2.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBSS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -181.8  Med: 4.2 Max: 17
Current: 2.07
-181.8
17
Shiller PE Ratio 18.75
FBSS's Shiller PE Ratio is ranked higher than
55% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. FBSS: 18.75 )
Ranked among companies with meaningful Shiller PE Ratio only.
FBSS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.69  Med: 10.84 Max: 18.99
Current: 18.75
7.69
18.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.56
FBSS's Dividend Yield % is ranked lower than
52% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FBSS: 2.56 )
Ranked among companies with meaningful Dividend Yield % only.
FBSS' s Dividend Yield % Range Over the Past 10 Years
Min: 2.23  Med: 3.79 Max: 8.42
Current: 2.56
2.23
8.42
Dividend Payout Ratio 0.47
FBSS's Dividend Payout Ratio is ranked lower than
72% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FBSS: 0.47 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FBSS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.57 Max: 0.87
Current: 0.47
0.38
0.87
Forward Dividend Yield % 2.56
FBSS's Forward Dividend Yield % is ranked lower than
57% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FBSS: 2.56 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.56
FBSS's 5-Year Yield-on-Cost % is ranked lower than
64% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FBSS: 2.56 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FBSS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.23  Med: 3.79 Max: 8.42
Current: 2.56
2.23
8.42
3-Year Average Share Buyback Ratio -0.40
FBSS's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FBSS: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBSS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.7  Med: -0.75 Max: 3.7
Current: -0.4
-1.7
3.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.28
FBSS's Price-to-Tangible-Book is ranked higher than
50% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FBSS: 1.28 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBSS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.25 Max: 2.75
Current: 1.28
0.84
2.75
Price-to-Intrinsic-Value-Projected-FCF 0.75
FBSS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
55% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FBSS: 0.75 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FBSS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.65 Max: 1.61
Current: 0.75
0.46
1.61
Price-to-Median-PS-Value 1.30
FBSS's Price-to-Median-PS-Value is ranked lower than
67% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FBSS: 1.30 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FBSS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.66  Med: 1.08 Max: 1.91
Current: 1.3
0.66
1.91
Price-to-Graham-Number 1.02
FBSS's Price-to-Graham-Number is ranked lower than
55% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FBSS: 1.02 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBSS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.55  Med: 0.92 Max: 1.51
Current: 1.02
0.55
1.51
Earnings Yield (Greenblatt) % 37.16
FBSS's Earnings Yield (Greenblatt) % is ranked higher than
92% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. FBSS: 37.16 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBSS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -640.8  Med: 8.5 Max: 1215.8
Current: 37.16
-640.8
1215.8
Forward Rate of Return (Yacktman) % 11.33
FBSS's Forward Rate of Return (Yacktman) % is ranked higher than
51% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. FBSS: 11.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FBSS' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -6.3  Med: 4.5 Max: 15.7
Current: 11.33
-6.3
15.7

More Statistics

Revenue (TTM) (Mil) $25.18
EPS (TTM) $ 1.03
Beta0.49
Short Percentage of Float0.08%
52-Week Range $14.13 - 19.88
Shares Outstanding (Mil)3.77
» More Articles for FBSS

Headlines

Articles On GuruFocus.com
Fauquier Bankshares, Inc. Declares Quarterly Dividend May 16 2017 
Fauquier Bankshares Announces First Quarter 2017 Results May 01 2017 
Fauquier Bankshares Inc. Reports Operating Results (10-K) Mar 11 2011 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Aug 09 2010 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) May 10 2010 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Nov 09 2009 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) Aug 07 2009 
Fauquier Bankshares Inc. (FBSS) CFO Eric Peter Graap buys 1,500 Shares May 13 2009 
Fauquier Bankshares Inc. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
Fauquier Bankshares, Inc. : FBSS-US: Dividend Analysis : June 16th, 2017 (record date) : By the... Jun 15 2017
Fauquier Bankshares, Inc. :FBSS-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017 May 31 2017
Fauquier Bankshares, Inc. Declares Quarterly Dividend May 16 2017
Fauquier Bankshares Announces First Quarter 2017 Results May 01 2017
Fauquier Bankshares, Inc. :FBSS-US: Earnings Analysis: Q4, 2016 By the Numbers : March 28, 2017 Mar 28 2017
Fauquier Bankshares, Inc. :FBSS-US: Earnings Analysis: 2016 By the Numbers : February 9, 2017 Feb 09 2017
Fauquier Bankshares Announces Year End and Fourth Quarter 2016 Results Feb 08 2017
Kevin T. Carter Joins Fauquier Bankshares, Inc. Board Of Directors Nov 18 2016
Fauquier Bankshares Announces Third Quarter 2016 Results Nov 07 2016
Fauquier Bankshares, Inc. :FBSS-US: Earnings Analysis: Q2, 2016 By the Numbers : August 9, 2016 Aug 09 2016
Fauquier Bankshares Announces Second Quarter 2016 Earnings Aug 05 2016
The Fauquier Bank Welcomes New Chief Operating Officer Jun 30 2016
Fauquier Bankshares Announces Retirement of Current Chief Financial Officer and Appointment of New... Jun 27 2016
Fauquier Bankshares, Inc. :FBSS-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016

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