Atlantic Coast Financial Corp

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ACFC : NASDAQ : Financial
$6.28 up 0.13 | 2.10%
Today's Range: 6.18 - 6.35
Avg. Daily Volume: 23,000
08/23/16 - 3:59 PM ET

Financial Analysis


ATLANTIC COAST FINANCIAL CP's gross profit margin for the second quarter of its fiscal year 2016 has increased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has increased by 8.15% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)11.069.1
EBITDA ($mil)4.642.8
EBIT ($mil)4.642.59
Net Income ($mil)1.345.63


Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)23.538.55
Total Assets ($mil)921.81810.43
Total Debt ($mil)261.59227.37
Equity ($mil)84.4578.08


Profitability Q2 FY16 Q2 FY15
Gross Profit Margin79.1971.13
EBITDA Margin41.9630.77
Operating Margin41.9628.42
Sales Turnover0.040.04
Return on Assets0.490.85
Return on Equity5.398.85
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Debt/Capital0.760.74
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)15.4415.43
Div / share0.00.0
EPS0.090.36
Book value / share5.475.06
Institutional Own % n/a n/a
Avg Daily Volume22929.015358.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 25.84 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 25.30. Conducting a second comparison, its price-to-book ratio of 1.13 indicates a significant discount versus the S&P 500 average of 2.83 and a discount versus the industry average of 1.47. The price-to-sales ratio is above the S&P 500 average, but well below the industry average. Upon assessment of these and other key valuation criteria, ATLANTIC COAST FINANCIAL CP proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
ACFC 20.63 Peers 25.84   ACFC NA Peers 21.25

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

ACFC is trading at a discount to its peers.

 

Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures.

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
ACFC 15.48 Peers 23.37   ACFC NM Peers 3.02

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

ACFC is trading at a discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

ACFC's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
ACFC 1.13 Peers 1.47   ACFC -33.34 Peers 28.29

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

ACFC is trading at a discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, ACFC is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
ACFC 2.35 Peers 4.41   ACFC 15.02 Peers 8.97

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

ACFC is trading at a significant discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

ACFC has a sales growth rate that significantly exceeds its peers.

 

 

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