Atlantic Coast Financial Corp

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ACFC : NASDAQ : Financial
$7.65 -0.03 | -0.39%
Today's Range: 7.5 - 7.66
Avg. Daily Volume: 11400.0
05/26/17 - 3:29 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 7.70% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)10.4510.76
EBITDA ($mil)4.794.44
EBIT ($mil)4.794.2
Net Income ($mil)1.481.52


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)27.7529.09
Total Assets ($mil)923.83892.96
Total Debt ($mil)144.09256.12
Equity ($mil)89.2182.83


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin84.5379.03
EBITDA Margin45.8541.28
Operating Margin45.8539.05
Sales Turnover0.050.04
Return on Assets0.680.99
Return on Equity7.1410.67
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)15.4115.44
Div / share0.00.0
EPS0.10.1
Book value / share5.795.37
Institutional Own % n/a n/a
Avg Daily Volume12014.016589.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 23.81 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 25.02. Conducting a second comparison, its price-to-book ratio of 1.33 indicates a significant discount versus the S&P 500 average of 3.00 and a discount versus the industry average of 1.61. 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 18.33 Peers 23.81   ACFC NA Peers 15.83

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 14.00 Peers 21.12   ACFC NM Peers 1.97

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

ACFC is trading at a valuation on par with 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 1.33 Peers 1.61   ACFC -26.32 Peers 198.05

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 2.80 Peers 4.30   ACFC 9.40 Peers 10.95

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

 

 

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