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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 1.22
FSBK's Cash-to-Debt is ranked higher than
54% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.09 vs. FSBK: 1.22 )
Ranked among companies with meaningful Cash-to-Debt only.
FSBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.33  Med: 1.5 Max: 11.72
Current: 1.22
0.33
11.72
Equity-to-Asset 0.09
FSBK's Equity-to-Asset is ranked lower than
60% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FSBK: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
FSBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.24
Current: 0.09
0.08
0.24
Debt-to-Equity 0.36
FSBK's Debt-to-Equity is ranked higher than
73% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. FSBK: 0.36 )
Ranked among companies with meaningful Debt-to-Equity only.
FSBK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03  Med: 0.28 Max: 1.1
Current: 0.36
0.03
1.1
Interest Coverage 2.95
FSBK's Interest Coverage is ranked higher than
65% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.74 vs. FSBK: 2.95 )
Ranked among companies with meaningful Interest Coverage only.
FSBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.47 Max: 3.2
Current: 2.95
0.32
3.2
Beneish M-Score: -2.32
WACC vs ROIC
4.33%
11.24%
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 % 23.14
FSBK's Operating Margin % is ranked lower than
72% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. FSBK: 23.14 )
Ranked among companies with meaningful Operating Margin % only.
FSBK' s Operating Margin % Range Over the Past 10 Years
Min: -44.5  Med: 18.37 Max: 54.48
Current: 23.14
-44.5
54.48
Net Margin % 16.16
FSBK's Net Margin % is ranked lower than
73% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.82 vs. FSBK: 16.16 )
Ranked among companies with meaningful Net Margin % only.
FSBK' s Net Margin % Range Over the Past 10 Years
Min: -26.96  Med: 13.28 Max: 33.27
Current: 16.16
-26.96
33.27
ROE % 8.80
FSBK's ROE % is ranked lower than
51% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.56 vs. FSBK: 8.80 )
Ranked among companies with meaningful ROE % only.
FSBK' s ROE % Range Over the Past 10 Years
Min: -13.83  Med: 6.91 Max: 20.63
Current: 8.8
-13.83
20.63
ROA % 0.78
FSBK's ROA % is ranked lower than
60% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. FSBK: 0.78 )
Ranked among companies with meaningful ROA % only.
FSBK' s ROA % Range Over the Past 10 Years
Min: -1.51  Med: 0.62 Max: 1.87
Current: 0.78
-1.51
1.87
3-Year Revenue Growth Rate 8.80
FSBK's 3-Year Revenue Growth Rate is ranked higher than
72% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. FSBK: 8.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FSBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -5.9  Med: 8.5 Max: 35.4
Current: 8.8
-5.9
35.4
3-Year EBITDA Growth Rate 6.20
FSBK's 3-Year EBITDA Growth Rate is ranked higher than
50% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. FSBK: 6.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FSBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -42.4  Med: 17.9 Max: 45.1
Current: 6.2
-42.4
45.1
3-Year EPS without NRI Growth Rate 5.60
FSBK's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FSBK: 5.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FSBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -47.7  Med: 15.5 Max: 50.9
Current: 5.6
-47.7
50.9
GuruFocus has detected 5 Warning Signs with First South Bancorp Inc. $FSBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FSBK's 30-Y Financials

Financials (Next Earnings Date: 2017-10-20 Est.)


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

» Details

Guru Trades

Q3 2016

FSBK Guru Trades in Q3 2016

Jim Simons 124,500 sh (+8.64%)
» More
Q4 2016

FSBK Guru Trades in Q4 2016

Jim Simons 139,100 sh (+11.73%)
» More
Q1 2017

FSBK Guru Trades in Q1 2017

Jim Simons 151,600 sh (+8.99%)
» More
Q2 2017

FSBK Guru Trades in Q2 2017

Private Capital 22,899 sh (New)
Jim Simons 201,200 sh (+32.72%)
» More
» Details

Insider Trades

Latest Guru Trades with FSBK

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Private Capital 2017-06-30 New Buy0.06%$12.1 - $16.78 $ 17.8528%22,899
Premium More recent guru trades are included for Premium Members only!!
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Preferred stocks of First South Bancorp Inc.

SymbolPriceYieldDescription
FSBSP0.300.00Pfd Shs Series -A-

Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522110    SIC: 6022
Compare:NAS:PBIP, NAS:MLVF, NAS:OFED, NAS:RVSB, NAS:ESSA, NAS:PROV, NAS:SIFI, NAS:FNWB, NAS:ICBK, OTCBB:NWIN, NAS:TSBK, AMEX:BKJ, NAS:FCAP, NAS:MSBF, NAS:LSBK, NAS:HFBC, OTCPK:VLLX, NAS:GCBC, OTCPK:SFDL, OTCPK:BHWB » details
Headquarter Location:USA
First South Bancorp Inc. is a bank holding company. Through its subsidiary it operates commercial banking business & offers checking accounts, money market accounts, statement savings accounts, Individual Retirement accounts & certificates of deposits.

First South Bancorp Inc. is a Virginia corporation was formed on October 1996. The Company serves as the holding Company for First South Bank, or the Bank, a North Carolina chartered commercial bank. The Company oversees the business of the Bank and operating a commercial banking business through the Bank. It provides commercial banking services to its markets located in the state of North Carolina. It attracts deposits mainly from within the market area by offering a variety of deposit instruments, including checking accounts, money market accounts, statement savings accounts, Individual Retirement Accounts, and certificates of deposits. In addition to deposits, the Bank derives funds from loan principal and interest repayments, maturities and paydowns on investment securities, and interest payments thereon. It generates loans and deposits throughout eastern and central North Carolina where the Bank's offices are located. Further, the Bank sells single-family mortgage loans that it originates to the Federal Home Loan Mortgage Corporation. It also exchanges single-family mortgage loans for mortgage-backed securities with FHLMC. Its lending activities are subject to the Bank's written, non-discriminatory underwriting standards, its outside investors, and to loan origination procedures prescribed by the Bank's Board of Directors and its management. Additionally, it offers fixed-rate and adjustable-rate residential mortgage loans and residential and commercial construction loans. The Bank underwrites its commercial business loans on the basis of the borrower's cash flow and ability to service the debt from earnings rather than on the basis of underlying collateral value, and the bank seeks to structure such loans to have more than one source of repayment.

Ratios

vs
industry
vs
history
PE Ratio 21.47
FSBK's PE Ratio is ranked lower than
77% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. FSBK: 21.47 )
Ranked among companies with meaningful PE Ratio only.
FSBK' s PE Ratio Range Over the Past 10 Years
Min: 5.42  Med: 16.19 Max: 28.09
Current: 21.47
5.42
28.09
PE Ratio without NRI 21.47
FSBK's PE Ratio without NRI is ranked lower than
77% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. FSBK: 21.47 )
Ranked among companies with meaningful PE Ratio without NRI only.
FSBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.42  Med: 16.19 Max: 28.09
Current: 21.47
5.42
28.09
Price-to-Owner-Earnings 18.76
FSBK's Price-to-Owner-Earnings is ranked lower than
66% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. FSBK: 18.76 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FSBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.04  Med: 14 Max: 30.19
Current: 18.76
5.04
30.19
PB Ratio 1.85
FSBK's PB Ratio is ranked lower than
79% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FSBK: 1.85 )
Ranked among companies with meaningful PB Ratio only.
FSBK' s PB Ratio Range Over the Past 10 Years
Min: 0.37  Med: 1.01 Max: 4.24
Current: 1.85
0.37
4.24
PS Ratio 3.49
FSBK's PS Ratio is ranked higher than
52% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. FSBK: 3.49 )
Ranked among companies with meaningful PS Ratio only.
FSBK' s PS Ratio Range Over the Past 10 Years
Min: 0.76  Med: 2.17 Max: 9.75
Current: 3.49
0.76
9.75
Price-to-Free-Cash-Flow 16.66
FSBK's Price-to-Free-Cash-Flow is ranked lower than
56% of the 856 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. FSBK: 16.66 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FSBK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.32  Med: 9.48 Max: 71.28
Current: 16.66
1.32
71.28
Price-to-Operating-Cash-Flow 12.56
FSBK's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.46 vs. FSBK: 12.56 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FSBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.3  Med: 8.43 Max: 66.28
Current: 12.56
1.3
66.28
EV-to-EBIT 14.51
FSBK's EV-to-EBIT is ranked higher than
56% of the 1241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. FSBK: 14.51 )
Ranked among companies with meaningful EV-to-EBIT only.
FSBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.9  Med: 8.8 Max: 19.7
Current: 14.51
-12.9
19.7
EV-to-EBITDA 11.65
FSBK's EV-to-EBITDA is ranked higher than
63% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.98 vs. FSBK: 11.65 )
Ranked among companies with meaningful EV-to-EBITDA only.
FSBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -18.3  Med: 8 Max: 15.1
Current: 11.65
-18.3
15.1
EV-to-Revenue 3.33
FSBK's EV-to-Revenue is ranked higher than
70% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.86 vs. FSBK: 3.33 )
Ranked among companies with meaningful EV-to-Revenue only.
FSBK' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.3  Med: 2.1 Max: 8.5
Current: 3.33
-0.3
8.5
Shiller PE Ratio 39.90
FSBK's Shiller PE Ratio is ranked lower than
81% of the 501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.54 vs. FSBK: 39.90 )
Ranked among companies with meaningful Shiller PE Ratio only.
FSBK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.99  Med: 10.8 Max: 40.01
Current: 39.9
2.99
40.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.76
FSBK's Dividend Yield % is ranked lower than
91% of the 2354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. FSBK: 0.76 )
Ranked among companies with meaningful Dividend Yield % only.
FSBK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.29  Med: 2.34 Max: 16.45
Current: 0.76
0.29
16.45
Dividend Payout Ratio 0.16
FSBK's Dividend Payout Ratio is ranked higher than
84% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. FSBK: 0.16 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FSBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.34 Max: 1.11
Current: 0.16
0.16
1.11
Forward Dividend Yield % 0.78
FSBK's Forward Dividend Yield % is ranked lower than
92% of the 2231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. FSBK: 0.78 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.76
FSBK's 5-Year Yield-on-Cost % is ranked lower than
92% of the 2778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.98 vs. FSBK: 0.76 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FSBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.29  Med: 2.34 Max: 16.45
Current: 0.76
0.29
16.45
3-Year Average Share Buyback Ratio 0.60
FSBK's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 1065 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. FSBK: 0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FSBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.8  Med: 0.5 Max: 10.1
Current: 0.6
-1.8
10.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.02
FSBK's Price-to-Tangible-Book is ranked lower than
76% of the 1573 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. FSBK: 2.02 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FSBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.4  Med: 1.46 Max: 5.01
Current: 2.02
0.4
5.01
Price-to-Intrinsic-Value-Projected-FCF 1.78
FSBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
90% of the 896 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. FSBK: 1.78 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FSBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.74  Med: 2.37 Max: 11.26
Current: 1.78
0.74
11.26
Price-to-Median-PS-Value 1.62
FSBK's Price-to-Median-PS-Value is ranked lower than
81% of the 1527 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. FSBK: 1.62 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FSBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.35  Med: 1.5 Max: 4.8
Current: 1.62
0.35
4.8
Price-to-Graham-Number 1.39
FSBK's Price-to-Graham-Number is ranked lower than
78% of the 1414 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. FSBK: 1.39 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FSBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 1.15 Max: 2.27
Current: 1.39
0.59
2.27
Earnings Yield (Greenblatt) % 6.88
FSBK's Earnings Yield (Greenblatt) % is ranked higher than
67% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.91 vs. FSBK: 6.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FSBK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -855.1  Med: 8.95 Max: 22.2
Current: 6.88
-855.1
22.2
Forward Rate of Return (Yacktman) % -21.27
FSBK's Forward Rate of Return (Yacktman) % is ranked lower than
93% of the 934 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.21 vs. FSBK: -21.27 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FSBK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -69.3  Med: -13.3 Max: 19.9
Current: -21.27
-69.3
19.9

More Statistics

Revenue (TTM) (Mil) $48.38
EPS (TTM) $ 0.83
Beta0.26
Short Percentage of Float0.16%
52-Week Range $9.23 - 18.09
Shares Outstanding (Mil)9.50
» More Articles for FSBK

Headlines

Articles On GuruFocus.com
SHAREHOLDER ALERT: Monteverde & Associates PC Announces An Investigation Of First South Bancorp, Inc Sep 06 2017 
First South Bancorp, Inc. Declares Quarterly Cash Dividend Jul 21 2017 
Carolina Financial Corporation Announces Agreement to Acquire First South Bancorp, Inc. Expands Pre Jun 12 2017 
First South Bancorp, Inc. Declares Quarterly Cash Dividend Apr 28 2017 
First South Bancorp Inc Reports Operating Results (10-Q) Nov 05 2010 
First South Bancorp Inc Reports Operating Results (10-Q) Aug 06 2010 
First South Bancorp Inc Reports Operating Results (10-Q) May 07 2010 
First South Bancorp Inc (FSBK) CFO William L Wall buys 1,015 Shares May 07 2010 
First South Bancorp Inc (FSBK) CFO William L Wall buys 1,350 Shares Feb 04 2010 
First South Bancorp Inc (FSBK) CFO William L Wall buys 1,225 Shares Nov 06 2009 

More From Other Websites
ETFs with exposure to First South Bancorp, Inc. (North Carolina) : September 22, 2017 Sep 22 2017
First South Bancorp, Inc. (North Carolina) :FSBK-US: Earnings Analysis: Q2, 2017 By the Numbers :... Sep 21 2017
First South Bancorp, Inc. (North Carolina) : FSBK-US: Dividend Analysis : August 08th, 2017 (record... Sep 11 2017
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of an Investigation Concerning Whether... Sep 08 2017
INVESTOR ALERT: Levi & Korsinsky, LLP Notifies Investors of an Investigation Concerning Whether the... Sep 06 2017
SHAREHOLDER ALERT: Monteverde & Associates PC Announces An Investigation Of First South Bancorp,... Sep 06 2017
First South posts 2Q profit Jul 20 2017
First South Bancorp, Inc. Reports June 30, 2017 Quarterly and Six Months Operating Results Jul 20 2017
Should CresCom parent deal fall through, First South in line for $5.8M termination fee, filings show Jun 19 2017
CEO: Carolina Financial Corporation buyout of First South driven by Triangle 'opportunity' Jun 12 2017
First South Bancorp, Inc. (North Carolina) :FSBK-US: Earnings Analysis: Q1, 2017 By the Numbers :... Jun 08 2017
First South Bancorp, Inc. (North Carolina) : FSBK-US: Dividend Analysis : May 08th, 2017 (record... May 04 2017
First South Bancorp, Inc. Declares Quarterly Cash Dividend Apr 28 2017
First South Bancorp, Inc. Reports Increased March 31, 2017 Quarterly Operating Results, Total Assets... Apr 20 2017
First South Bank Announces Hire of John Okerson as Director of Leasing Feb 09 2017
ETFs with exposure to First South Bancorp, Inc. (North Carolina) : February 2, 2017 Feb 02 2017
First South Bancorp, Inc. (North Carolina) :FSBK-US: Earnings Analysis: Q4, 2016 By the Numbers :... Feb 01 2017
First South Bancorp, Inc. Declares 16.7% Increase In The Quarterly Cash Dividend Rate Jan 27 2017

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