Atlantic Coast Financial Corp

Find Ratings Reports
ACFC : NASDAQ : Financial
$7.83 | %
Today's Range: 7.77 - 7.83
Avg. Daily Volume: 12000.0
07/21/17 - 4:00 PM ET

Financial Analysis


ATLANTIC COAST FINANCIAL CP's gross profit margin for the first quarter of its fiscal year 2017 has increased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its industry.

During the same period, stockholders' equity ("net worth") has increased by 7.28% from the same quarter last year.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.



Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)10.4510.76
EBITDA ($mil)4.794.44
EBIT ($mil)4.54.2
Net Income ($mil)1.481.52


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)27.7529.09
Total Assets ($mil)923.49892.96
Total Debt ($mil)144.09256.12
Equity ($mil)88.8782.83


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin84.5379.03
EBITDA Margin45.8541.28
Operating Margin43.0739.05
Sales Turnover0.050.04
Return on Assets0.680.99
Return on Equity7.1610.67
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.620.76
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)15.4915.44
Div / share0.00.0
EPS0.10.1
Book value / share5.745.37
Institutional Own % n/a n/a
Avg Daily Volume12240.012133.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 24.21 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 24.66. Conducting a second comparison, its price-to-book ratio of 1.38 indicates a significant discount versus the S&P 500 average of 3.07 and a discount versus the industry average of 1.74. The price-to-sales ratio is well 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 18.79 Peers 24.21   ACFC 6.40 Peers 17.36

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.

 

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

ACFC is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
ACFC 14.35 Peers 21.96   ACFC NM Peers 1.95

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 1.38 Peers 1.74   ACFC -26.32 Peers 201.23

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 2.88 Peers 4.54   ACFC 9.40 Peers 12.26

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.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

ACFC trails its peers on the basis of sales growth

 

 

Latest Stock Upgrades/Downgrades