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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.24
ACFC's Cash-to-Debt is ranked lower than
84% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. ACFC: 0.24 )
Ranked among companies with meaningful Cash-to-Debt only.
ACFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.27 Max: 1.04
Current: 0.24
0.06
1.04
Equity-to-Asset 0.09
ACFC's Equity-to-Asset is ranked lower than
62% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. ACFC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
ACFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.09 Max: 0.15
Current: 0.09
0.04
0.15
Debt-to-Equity 1.65
ACFC's Debt-to-Equity is ranked lower than
83% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. ACFC: 1.65 )
Ranked among companies with meaningful Debt-to-Equity only.
ACFC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.64  Med: 2.04 Max: 3.68
Current: 1.65
0.64
3.68
Debt-to-EBITDA 24.94
ACFC's Debt-to-EBITDA is ranked lower than
91% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.34 vs. ACFC: 24.94 )
Ranked among companies with meaningful Debt-to-EBITDA only.
ACFC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -233.19  Med: -11 Max: 62.81
Current: 24.94
-233.19
62.81
Interest Coverage 1.05
ACFC's Interest Coverage is ranked lower than
63% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. ACFC: 1.05 )
Ranked among companies with meaningful Interest Coverage only.
ACFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.13 Max: 1.35
Current: 1.05
0.04
1.35
Beneish M-Score: -2.45
WACC vs ROIC
-1.26%
1.49%
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 : 1/10

vs
industry
vs
history
Operating Margin % 22.74
ACFC's Operating Margin % is ranked lower than
72% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.45 vs. ACFC: 22.74 )
Ranked among companies with meaningful Operating Margin % only.
ACFC' s Operating Margin % Range Over the Past 10 Years
Min: -89.51  Med: -20 Max: 28.14
Current: 22.74
-89.51
28.14
Net Margin % 9.32
ACFC's Net Margin % is ranked lower than
85% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.18 vs. ACFC: 9.32 )
Ranked among companies with meaningful Net Margin % only.
ACFC' s Net Margin % Range Over the Past 10 Years
Min: -113.05  Med: -15.53 Max: 27.6
Current: 9.32
-113.05
27.6
ROE % 3.53
ACFC's ROE % is ranked lower than
81% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. ACFC: 3.53 )
Ranked among companies with meaningful ROE % only.
ACFC' s ROE % Range Over the Past 10 Years
Min: -41.76  Med: -9.34 Max: 10.08
Current: 3.53
-41.76
10.08
ROA % 0.34
ACFC's ROA % is ranked lower than
80% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ACFC: 0.34 )
Ranked among companies with meaningful ROA % only.
ACFC' s ROA % Range Over the Past 10 Years
Min: -3.09  Med: -0.58 Max: 0.99
Current: 0.34
-3.09
0.99
3-Year Revenue Growth Rate -28.60
ACFC's 3-Year Revenue Growth Rate is ranked lower than
97% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. ACFC: -28.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ACFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -19.9 Max: 17.3
Current: -28.6
0
17.3
GuruFocus has detected 7 Warning Signs with Atlantic Coast Financial Corp ACFC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ACFC's 30-Y Financials

Financials (Next Earnings Date: 2018-04-25)


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

» Details

Guru Trades

Q1 2017

ACFC Guru Trades in Q1 2017

Jim Simons 254,300 sh (+6.36%)
» More
Q2 2017

ACFC Guru Trades in Q2 2017

Jim Simons 253,100 sh (-0.47%)
» More
Q3 2017

ACFC Guru Trades in Q3 2017

Jim Simons 287,900 sh (+13.75%)
» More
Q4 2017

ACFC Guru Trades in Q4 2017

Jim Simons 402,000 sh (+39.63%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:ACFC

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:OTCPK:FRAF, NAS:MBCN, OTCBB:FKYS, NAS:FFNW, OTCPK:QNBC, NAS:ASBB, OTCPK:CFNB, NAS:ESQ, NAS:FDBC, NAS:PKBK, NAS:FCCY, NAS:OVLY, OTCPK:CALB, OTCPK:FNRN, NAS:TRCB, OTCPK:FVCB, OTCPK:CWBB, NAS:DNBF, NAS:FCCO, NAS:ESXB » details
Headquarter Location:USA
Atlantic Coast Financial Corp is a thrift holding company, which through its subsidiary, Atlantic Coast Bank provides banking services to individual and corporate customers mainly Georgia and Florida.

Atlantic Coast Financial Corp is the community bank in Northeast Florida and Southeast Georgia. It focuses on attracting deposits and investing those funds primarily in loans, including commercial real estate loans, consumer loans, first mortgages on owner-occupied, one- to four-family residences and home equity loans. Additionally, the Bank invests funds in multi-family residential loans, commercial business loans, and commercial and residential construction loans. It also invests funds in investment securities, primarily those issued by U.S. government-sponsored agencies or entities, including Fannie Mae, Freddie Mac, and Ginnie Mae. Revenues are derived principally from interest on loans and other interest-earning assets, such as investment securities.

Top Ranked Articles about Atlantic Coast Financial Corp

Investor Expectations to Drive Momentum within Eagle Bulk Shipping, Jones Lang LaSalle, Gladstone Land, Carvana, Atlantic Coast Financial, and Universal — Discovering Underlying Factors of Influence
Lifshitz & Miller LLP Announces Investigation of Atlantic Coast Financial Corporation, Bazaarvoice, Inc., Buffalo Wild Wings, Inc., Entellus Medical, Inc., General Cable Corporation, Quality Systems, Inc., and Shopify Inc.
B. Riley FBR Acts as Sell-Side Advisor to Atlantic Coast Financial Corporation in its Sale to Ameris Bancorp
SHAREHOLDER ALERT: Monteverde & Associates PC Announces An Investigation Of Atlantic Coast Financial Corporation, Cavium, Inc., Bonanza Creek Energy, Inc., First West Virginia Bancorp, Inc. and Almost Family, Inc.
ATLANTIC COAST FINANCIAL INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Atlantic Coast Financial Corporation
ALERT: Rowley Law PLLC is Investigating Proposed Acquisition of Atlantic Coast Financial Corporation
Shareholder Alert: Ademi & O'Reilly, LLP Investigates whether Atlantic Coast Financial Corporation has obtained a Fair Price in its Sale to Ameris Bancorp
Ameris Bancorp Signs Definitive Merger Agreement to Acquire Atlantic Coast Financial Corporation

Ratios

vs
industry
vs
history
PE Ratio 49.95
ACFC's PE Ratio is ranked lower than
93% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.21 vs. ACFC: 49.95 )
Ranked among companies with meaningful PE Ratio only.
ACFC' s PE Ratio Range Over the Past 10 Years
Min: 9.44  Med: 22.94 Max: 498.73
Current: 49.95
9.44
498.73
PE Ratio without NRI 49.95
ACFC's PE Ratio without NRI is ranked lower than
93% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.35 vs. ACFC: 49.95 )
Ranked among companies with meaningful PE Ratio without NRI only.
ACFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.44  Med: 22.94 Max: 498.73
Current: 49.95
9.44
498.73
Price-to-Owner-Earnings 12.23
ACFC's Price-to-Owner-Earnings is ranked higher than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. ACFC: 12.23 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ACFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.28  Med: 17.29 Max: 161.32
Current: 12.23
9.28
161.32
PB Ratio 1.80
ACFC's PB Ratio is ranked lower than
79% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. ACFC: 1.80 )
Ranked among companies with meaningful PB Ratio only.
ACFC' s PB Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.88 Max: 3.03
Current: 1.8
0.05
3.03
PS Ratio 4.68
ACFC's PS Ratio is ranked lower than
70% of the 1564 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. ACFC: 4.68 )
Ranked among companies with meaningful PS Ratio only.
ACFC' s PS Ratio Range Over the Past 10 Years
Min: 0.06  Med: 1.55 Max: 9.14
Current: 4.68
0.06
9.14
Price-to-Free-Cash-Flow 5.12
ACFC's Price-to-Free-Cash-Flow is ranked higher than
69% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.40 vs. ACFC: 5.12 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ACFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.12  Med: 5.05 Max: 485.56
Current: 5.12
0.12
485.56
Price-to-Operating-Cash-Flow 5.04
ACFC's Price-to-Operating-Cash-Flow is ranked higher than
68% of the 964 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.32 vs. ACFC: 5.04 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ACFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.12  Med: 4.89 Max: 6365
Current: 5.04
0.12
6365
EV-to-EBIT 35.17
ACFC's EV-to-EBIT is ranked lower than
89% of the 1223 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.91 vs. ACFC: 35.17 )
Ranked among companies with meaningful EV-to-EBIT only.
ACFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -229.1  Med: -7.7 Max: 8753.4
Current: 35.17
-229.1
8753.4
EV-to-EBITDA 31.74
ACFC's EV-to-EBITDA is ranked lower than
88% of the 1230 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. ACFC: 31.74 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -311  Med: -8.1 Max: 452.9
Current: 31.74
-311
452.9
EV-to-Revenue 8.00
ACFC's EV-to-Revenue is ranked lower than
82% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.15 vs. ACFC: 8.00 )
Ranked among companies with meaningful EV-to-Revenue only.
ACFC' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.4  Med: 6.6 Max: 12
Current: 8
1.4
12

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.80
ACFC's Price-to-Tangible-Book is ranked lower than
69% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. ACFC: 1.80 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ACFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.1  Med: 1.02 Max: 2.99
Current: 1.8
0.1
2.99
Price-to-Intrinsic-Value-Projected-FCF 0.98
ACFC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
62% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. ACFC: 0.98 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ACFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.84 Max: 3
Current: 0.98
0.09
3
Price-to-Median-PS-Value 3.04
ACFC's Price-to-Median-PS-Value is ranked lower than
97% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ACFC: 3.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ACFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.1  Med: 1.76 Max: 11.15
Current: 3.04
0.1
11.15
Price-to-Graham-Number 1.48
ACFC's Price-to-Graham-Number is ranked lower than
81% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. ACFC: 1.48 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ACFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 1.89 Max: 5.79
Current: 1.48
0.62
5.79
Earnings Yield (Greenblatt) % 2.84
ACFC's Earnings Yield (Greenblatt) % is ranked lower than
67% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.69 vs. ACFC: 2.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ACFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -20.6  Med: -4.7 Max: 4.5
Current: 2.84
-20.6
4.5

More Statistics

Revenue (TTM) (Mil) $33.98
EPS (TTM) $ 0.21
Beta0.43
Short Percentage of Float0.38%
52-Week Range $6.90 - 10.90
Shares Outstanding (Mil)15.55

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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