Atlantic Coast Financial Corp

Find Ratings Reports
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.

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 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
Debt/Capital0.730.75
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)15.4415.44
Div / share0.00.0
EPS0.10.07
Book value / share5.585.19
Institutional Own % n/a n/a
Avg Daily Volume14745.027117.0

Valuation


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.


Price/Earnings
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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
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.

 
Price/Book
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.

 
Price/Sales
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.

 

 

Latest Stock Upgrades/Downgrades