ECLP (Eclipse Bancorp) Financial Strength: 4 (As of . 20) — Near Median

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ECLP Eclipse Bancorp Inc ECLP
8 GF Score
Price $8.41
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What is Eclipse Bancorp Financial Strength?

Eclipse Bancorp ECLP 8 Financial Strength is 4 as of . 20, which is at its 10-year median of 4.00. GuruFocus rates ECLP with a GF Score™ of 8/100.

Eclipse Bancorp has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Eclipse Bancorp did not have earnings to cover the interest expense. Altman Z-Score does not apply to banks and insurance companies.

Eclipse Bancorp  (OTCPK:ECLP) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Eclipse Bancorp has the Financial Strength Rank of 4.

Eclipse Bancorp Financial Strength Related Terms

ECLP
8GF Score
Eclipse Bancorp Inc ECLP
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Eclipse Bancorp Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Eclipse Bancorp's Interest Expense for the months ended in . 20 was $0.00 Mil. Its Operating Income for the months ended in . 20 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in . 20 was $0.00 Mil.

Eclipse Bancorp's Interest Coverage for the quarter that ended in . 20 is

Eclipse Bancorp had no long-term debt (1).

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Eclipse Bancorp's Debt to Revenue Ratio for the quarter that ended in . 20 is

Debt to Revenue Ratio=Total Debt (Q: . 20 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=( + ) / 0
=N/A

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 4 mean?
Eclipse Bancorp (ECLP) has a Financial Strength of 4 as of . 20. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Eclipse Bancorp and its competitors. This is near median its historical median of 4.00. Over the past decade, Eclipse Bancorp's Financial Strength has ranged from 3.00 to 4.00.
Is Eclipse Bancorp's Financial Strength too high?
Eclipse Bancorp's current Financial Strength of 4 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 4.00. Overall, Eclipse Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Eclipse Bancorp's Financial Strength compare to WVFC and FBPI?
Eclipse Bancorp's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Eclipse Bancorp's own Financial Strength has ranged from 3.00 to 4.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Eclipse Bancorp and its competitors. Eclipse Bancorp's current Financial Strength is 4, which is near median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eclipse Bancorp stock overvalued right now?
Eclipse Bancorp (ECLP) has a current Financial Strength of 4. The current Financial Strength is 4, which is near median its 10-year median of 4.00. Eclipse Bancorp's overall GF Score™ is 8/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Eclipse Bancorp (ECLP), the current Financial Strength is 4 as of . 20. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Eclipse Bancorp Business Description

Address 13903 Promenade Green Way, Louisville, KY, USA, 40245
Eclipse Bancorp Inc is a bank holding company. The company is engaged in providing different banking and financial services to individual and corporate customers in Louisville, Kentucky, and surrounding areas; Johnson City, Tennessee, and surrounding areas; and Cincinnati, Ohio and surrounding areas.
8GF Score

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Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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