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Carolina Bank Holdings (Carolina Bank Holdings) Debt-to-Equity : 0.48 (As of Sep. 2016)


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What is Carolina Bank Holdings Debt-to-Equity?

Carolina Bank Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2016 was $0.00 Mil. Carolina Bank Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2016 was $31.71 Mil. Carolina Bank Holdings's Total Stockholders Equity for the quarter that ended in Sep. 2016 was $65.57 Mil. Carolina Bank Holdings's debt to equity for the quarter that ended in Sep. 2016 was 0.48.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Carolina Bank Holdings's Debt-to-Equity or its related term are showing as below:

CLBH' s Debt-to-Equity Range Over the Past 10 Years
Min: 0   Med: 0   Max: 0
Current: 0.48
CLBH's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.68 vs CLBH: 0.48

Carolina Bank Holdings Debt-to-Equity Historical Data

The historical data trend for Carolina Bank Holdings's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Carolina Bank Holdings Debt-to-Equity Chart

Carolina Bank Holdings Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.66 0.45 0.43 0.37 0.48

Carolina Bank Holdings Quarterly Data
Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.37 0.52 0.50 0.48 0.48

Competitive Comparison of Carolina Bank Holdings's Debt-to-Equity

For the Banks - Regional subindustry, Carolina Bank Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Carolina Bank Holdings's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Carolina Bank Holdings's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Carolina Bank Holdings's Debt-to-Equity falls into.


Carolina Bank Holdings Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Carolina Bank Holdings's Debt to Equity Ratio for the fiscal year that ended in Dec. 2015 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 22.291) / 61.139
=0.36

Carolina Bank Holdings's Debt to Equity Ratio for the quarter that ended in Sep. 2016 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 31.71) / 65.566
=0.48

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Carolina Bank Holdings  (NAS:CLBH) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Carolina Bank Holdings Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Carolina Bank Holdings's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Carolina Bank Holdings (Carolina Bank Holdings) Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Carolina Bank Holdings Inc (NAS:CLBH) » Definitions » Debt-to-Equity
Comparable Companies
FCCO FCCY FRAF QNBC SLCT MVBF CWBB STND AUBN DNBF BERK FSBW ENFC FRBA SBBX FNRN DCBF FNCB CIZN RBPAA
Traded in Other Exchanges
N/A
Address
Website
http://www.carolinabank.com
Carolina Bank Holdings Inc was incorporated under the laws of the State of North Carolina on August 16, 2000. It is a bank holding company for Carolina Bank. The Company is engaged in a general banking business in Guilford, Alamance, Randolph and Forsyth Counties, North Carolina. Its operations are mainly commercially oriented and directed to individuals and small to medium-sized businesses located in its market area and its deposits and loans are derived mainly from customers in its geographic market. The Company is considered to have three principal business segments Commercial/Retail Bank, the Mortgage Division, and the Holding Company. The mortgage division originates residential mortgage loans through other banks and brokers in addition to retail loan officers, who are located in five loan production offices and in five of its banking offices, and sells the loans to investors. The Company's primary service area consists of the Cities of Greensboro, High Point, Burlington, Winston-Salem and Asheboro, North Carolina and the areas immediately surrounding Greensboro, High Point, Burlington, Winston-Salem and Asheboro, all of which are located in Guilford, Alamance, Forsyth and Randolph Counties, North Carolina. Residential mortgage loan production offices are located in Burlington, Chapel Hill, Hillsborough, Raleigh and Sanford, NC. The Company competes directly for deposits in its primary service area with other commercial banks, savings banks, credit unions, agencies issuing United States government securities and all other organizations and institutions engaged in money market transactions, in lending activities, the bank competes with all other financial institutions. The Company is subject to supervision, examination and regulation by the North Carolina Office of the Commissioner of Banks ("Commissioner") and the FDIC and to North Carolina and federal statutory and regulatory provisions governing such matters as capital standards, mergers, subsidiary investments and establishment of branch offices.
Executives
Abby Jill Donnelly director 3503 SMOKETREE DRIVE, GREENSBORO NC 27410
Donald H Allred director 1246 WEST LAKE DRIVE, ASHEBORO NC 27205-2549