Atlantic Coast Financial Corp

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ACFC : NASDAQ : Financial
$6.39 | %
Today's Range: 6.27 - 6.40
Avg. Daily Volume: 24,800
09/23/16 - 3:57 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 ($mil)4.362.59
Net Income ($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 Margin39.4628.42
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 Volume25400.020547.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 25.35 for the Thrifts & Mortgage Finance industry and a discount compared to the S&P 500 average of 25.03. Conducting a second comparison, its price-to-book ratio of 1.14 indicates a significant discount versus the S&P 500 average of 2.80 and a discount versus the industry average of 1.44. 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 20.70 Peers 25.35   ACFC 14.28 Peers 19.84

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 12.42 Peers 22.84   ACFC NM Peers 2.93

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 1.14 Peers 1.44   ACFC -33.34 Peers 11.49

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 4.32   ACFC 15.02 Peers 9.78

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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