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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 No Debt
NAS:STBZ's Cash-to-Debt is ranked higher than
87% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. NAS:STBZ: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:STBZ' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.74  Med: 110.65 Max: No Debt
Current: No Debt
0.74
No Debt
Equity-to-Asset 0.14
NAS:STBZ's Equity-to-Asset is ranked higher than
70% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. NAS:STBZ: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:STBZ' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.16 Max: 0.17
Current: 0.14
0.13
0.17
Beneish M-Score: -1.92
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
Net Margin % 22.12
NAS:STBZ's Net Margin % is ranked lower than
54% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. NAS:STBZ: 22.12 )
Ranked among companies with meaningful Net Margin % only.
NAS:STBZ' s Net Margin % Range Over the Past 10 Years
Min: 11.1  Med: 21.23 Max: 32.84
Current: 22.12
11.1
32.84
ROE % 8.96
NAS:STBZ's ROE % is ranked lower than
52% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. NAS:STBZ: 8.96 )
Ranked among companies with meaningful ROE % only.
NAS:STBZ' s ROE % Range Over the Past 10 Years
Min: 2.91  Med: 6.76 Max: 13.59
Current: 8.96
2.91
13.59
ROA % 1.19
NAS:STBZ's ROA % is ranked higher than
67% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NAS:STBZ: 1.19 )
Ranked among companies with meaningful ROA % only.
NAS:STBZ' s ROA % Range Over the Past 10 Years
Min: 0.48  Med: 1.01 Max: 1.71
Current: 1.19
0.48
1.71
3-Year Revenue Growth Rate 11.30
NAS:STBZ's 3-Year Revenue Growth Rate is ranked higher than
80% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NAS:STBZ: 11.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:STBZ' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -10.4  Med: 7.55 Max: 35.6
Current: 11.3
-10.4
35.6
3-Year EPS without NRI Growth Rate 8.60
NAS:STBZ's 3-Year EPS without NRI Growth Rate is ranked higher than
61% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. NAS:STBZ: 8.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:STBZ' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -34.7  Med: 6.15 Max: 48.6
Current: 8.6
-34.7
48.6
GuruFocus has detected 1 Warning Sign with State Bank Financial Corp NAS:STBZ.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:STBZ's 30-Y Financials

Financials (Next Earnings Date: 2019-01-26 Est.)


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

» Details

Guru Trades

Q3 2017

STBZ Guru Trades in Q3 2017

Jim Simons 8,500 sh (New)
Mario Gabelli 15,000 sh (unchged)
Chuck Royce 847,957 sh (-3.64%)
Diamond Hill Capital 385,057 sh (-3.85%)
Private Capital 635,618 sh (-4.27%)
» More
Q4 2017

STBZ Guru Trades in Q4 2017

HOTCHKIS & WILEY 42,335 sh (New)
Mario Gabelli 80,900 sh (+439.33%)
Chuck Royce 882,928 sh (+4.12%)
Diamond Hill Capital 386,597 sh (+0.40%)
Jim Simons Sold Out
Private Capital 605,817 sh (-4.69%)
» More
Q1 2018

STBZ Guru Trades in Q1 2018

Jim Simons 36,700 sh (New)
Chuck Royce 888,293 sh (+0.61%)
Mario Gabelli 81,100 sh (+0.25%)
Diamond Hill Capital 387,512 sh (+0.24%)
HOTCHKIS & WILEY 42,335 sh (unchged)
Private Capital 585,077 sh (-3.42%)
» More
Q2 2018

STBZ Guru Trades in Q2 2018

Paul Tudor Jones 154,921 sh (New)
Pioneer Investments 113,824 sh (New)
Leucadia National 276,608 sh (New)
Jim Simons 126,600 sh (+244.96%)
Diamond Hill Capital 384,528 sh (-0.77%)
Mario Gabelli 79,080 sh (-2.49%)
Private Capital 561,477 sh (-4.03%)
HOTCHKIS & WILEY 25,480 sh (-39.81%)
Chuck Royce 269,457 sh (-69.67%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:STBZ

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

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:SBSI, NYSE:FBK, NAS:LKFN, NAS:BNCL, AMEX:TMP, NAS:EFSC, NAS:SBCF, NAS:FBNC, NAS:CHCO, NAS:BRKL, NAS:SRCE, NAS:BPFH, NYSE:NBHC, NAS:SASR, NAS:MSFG, OTCPK:FMBL, NAS:HFWA, NAS:TBK, NAS:OPB, NAS:PFBC » details
Headquarter Location:USA
State Bank Financial Corp is a bank holding company. The services offered are loans to small and medium sized businesses, lender finance loans, commercial real estate loans, residential and commercial construction and development loan.

State Bank Financial Corp is a bank holding company. The services offered by the company are loans to small and medium sized businesses, lender finance loans, commercial real estate loans, residential and commercial construction and development loan, home equity loan, and consumer loans. The company also provides online banking and bill payment services, online cash management, and debit card and ATM services.

Ratios

vs
industry
vs
history
PE Ratio 16.45
STBZ's PE Ratio is ranked lower than
79% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. STBZ: 16.45 )
Ranked among companies with meaningful PE Ratio only.
STBZ' s PE Ratio Range Over the Past 10 Years
Min: 8.79  Med: 20.86 Max: 109.07
Current: 16.45
8.79
109.07
Forward PE Ratio 10.67
STBZ's Forward PE Ratio is ranked lower than
72% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. STBZ: 10.67 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.45
STBZ's PE Ratio without NRI is ranked lower than
79% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. STBZ: 16.45 )
Ranked among companies with meaningful PE Ratio without NRI only.
STBZ' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.79  Med: 20.86 Max: 109.07
Current: 16.45
8.79
109.07
Price-to-Owner-Earnings 14.87
STBZ's Price-to-Owner-Earnings is ranked lower than
70% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. STBZ: 14.87 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
STBZ' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.36  Med: 20.21 Max: 32.78
Current: 14.87
9.36
32.78
PB Ratio 1.46
STBZ's PB Ratio is ranked lower than
82% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. STBZ: 1.46 )
Ranked among companies with meaningful PB Ratio only.
STBZ' s PB Ratio Range Over the Past 10 Years
Min: 1.02  Med: 1.36 Max: 2.13
Current: 1.46
1.02
2.13
PS Ratio 3.53
STBZ's PS Ratio is ranked lower than
75% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. STBZ: 3.53 )
Ranked among companies with meaningful PS Ratio only.
STBZ' s PS Ratio Range Over the Past 10 Years
Min: 2.42  Med: 4.29 Max: 5.36
Current: 3.53
2.42
5.36
Price-to-Free-Cash-Flow 12.40
STBZ's Price-to-Free-Cash-Flow is ranked lower than
87% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. STBZ: 12.40 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
STBZ' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.79  Med: 10.68 Max: 55.53
Current: 12.4
1.79
55.53
Price-to-Operating-Cash-Flow 11.23
STBZ's Price-to-Operating-Cash-Flow is ranked lower than
87% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. STBZ: 11.23 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
STBZ' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.76  Med: 11.6 Max: 1266.11
Current: 11.23
1.76
1266.11
EV-to-Revenue 2.79
STBZ's EV-to-Revenue is ranked higher than
55% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. STBZ: 2.79 )
Ranked among companies with meaningful EV-to-Revenue only.
STBZ' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.6  Med: 2.1 Max: 5.2
Current: 2.79
-0.6
5.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.97
STBZ's Dividend Yield % is ranked lower than
64% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. STBZ: 2.97 )
Ranked among companies with meaningful Dividend Yield % only.
STBZ' s Dividend Yield % Range Over the Past 10 Years
Min: 0.18  Med: 1.04 Max: 3.03
Current: 2.97
0.18
3.03
Dividend Payout Ratio 0.49
STBZ's Dividend Payout Ratio is ranked lower than
70% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. STBZ: 0.49 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STBZ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.36 Max: 0.49
Current: 0.49
0.09
0.49
3-Year Dividend Growth Rate 55.10
STBZ's 3-Year Dividend Growth Rate is ranked higher than
95% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. STBZ: 55.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
STBZ' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 27.55 Max: 74.7
Current: 55.1
0
74.7
Forward Dividend Yield % 3.19
STBZ's Forward Dividend Yield % is ranked lower than
60% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. STBZ: 3.19 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 31.53
STBZ's 5-Year Yield-on-Cost % is ranked higher than
97% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. STBZ: 31.53 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
STBZ' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.91  Med: 11.04 Max: 32.17
Current: 31.53
1.91
32.17
3-Year Average Share Buyback Ratio -6.50
STBZ's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. STBZ: -6.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
STBZ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.6  Med: -2.85 Max: 0.4
Current: -6.5
-6.6
0.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.71
STBZ's Price-to-Tangible-Book is ranked lower than
82% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. STBZ: 1.71 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
STBZ' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.05  Med: 1.47 Max: 2.34
Current: 1.71
1.05
2.34
Price-to-Intrinsic-Value-Projected-FCF 1.02
STBZ's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
82% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. STBZ: 1.02 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
STBZ' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.86 Max: 1.29
Current: 1.02
0.52
1.29
Price-to-Median-PS-Value 0.82
STBZ's Price-to-Median-PS-Value is ranked lower than
52% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. STBZ: 0.82 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
STBZ' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1 Max: 1.19
Current: 0.82
0.57
1.19
Price-to-Graham-Number 1.12
STBZ's Price-to-Graham-Number is ranked lower than
82% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. STBZ: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
STBZ' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.64  Med: 1.3 Max: 2.27
Current: 1.12
0.64
2.27

More Statistics

Revenue (TTM) (Mil) $268.85
EPS (TTM) $ 1.51
Beta1.35
Volatility22.96%
52-Week Range $23.58 - 35.99
Shares Outstanding (Mil)38.80

Analyst Estimate

Dec18 Dec19 Dec20 Dec21
Revenue (Mil $) 261 274 281 288
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 2.20 2.35 2.40 2.40
EPS without NRI ($) 2.20 2.35 2.40 2.40
EPS Growth Rate
(Future 3Y To 5Y Estimate)
11.20%
Dividends per Share ($)

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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