Atlantic Coast Financial Corp

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ACFC : NASDAQ : Financial
$7.23 | %
Today's Range: 0.0 - 0.0
Avg. Daily Volume: 15600.0
01/19/17 - 3:50 PM ET

Financial Analysis

ATLANTIC COAST FINANCIAL CP's gross profit margin for the third quarter of its fiscal year 2016 has increased when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has increased by 7.56% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)10.689.51
EBITDA ($mil)4.623.68
EBIT ($mil)4.323.45
Net Income ($mil)1.561.01

Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)49.9137.73
Total Assets ($mil)936.89818.0
Total Debt ($mil)229.93237.46
Equity ($mil)86.1380.07

Profitability Q3 FY16 Q3 FY15
Gross Profit Margin82.7778.26
EBITDA Margin43.2538.7
Operating Margin40.4436.3
Sales Turnover0.040.04
Return on Assets0.540.91
Return on Equity5.929.33
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)15.4415.44
Div / share0.00.0
Book value / share5.585.19
Institutional Own % n/a n/a
Avg Daily Volume14745.027117.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 27.27 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 25.49. Conducting a second comparison, its price-to-book ratio of 1.31 indicates a significant discount versus the S&P 500 average of 2.84 and a discount versus the industry average of 1.65. 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.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
ACFC 22.18 Peers 27.27   ACFC NM Peers 26.40

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, 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's P/CF is negative making the measure meaningless.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
ACFC 15.25 Peers 24.64   ACFC NM Peers 4.54

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.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
ACFC 1.31 Peers 1.65   ACFC -32.66 Peers -5.69

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.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
ACFC 2.70 Peers 4.77   ACFC 16.43 Peers 10.92

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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