First South Bancorp, Inc.
First South Bancorp, Inc. Fundamental Analysis
First South Bancorp, Inc. (FSBK) shows moderate financial fundamentals with a PE ratio of 25.43, profit margin of 21.35%, and ROE of 8.22%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 64.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FSBK's fundamental strength across five key dimensions:
Efficiency Score
WeakFSBK struggles to generate sufficient returns from assets.
Valuation Score
ModerateFSBK shows balanced valuation metrics.
Growth Score
WeakFSBK faces weak or negative growth trends.
Financial Health Score
ExcellentFSBK maintains a strong and stable balance sheet.
Profitability Score
WeakFSBK struggles to sustain strong margins.
Key Financial Metrics
Is FSBK Expensive or Cheap?
P/E Ratio
FSBK trades at 25.43 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FSBK's PEG of 0.25 indicates potential undervaluation.
Price to Book
The market values First South Bancorp, Inc. at 2.03 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.29 times EBITDA. This is generally considered low.
How Well Does FSBK Make Money?
Net Profit Margin
For every $100 in sales, First South Bancorp, Inc. keeps $21.35 as profit after all expenses.
Operating Margin
Core operations generate 30.43 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.22 in profit for every $100 of shareholder equity.
ROA
First South Bancorp, Inc. generates $0.70 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $1.09 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
25.43
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.25
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.03
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.31
vs 25 benchmark
Current Ratio
Current assets to current liabilities
23.50
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How FSBK Stacks Against Its Sector Peers
| Metric | FSBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 25.43 | 18.56 | Worse (Expensive) |
| ROE | 8.22% | 828.00% | Weak |
| Net Margin | 21.35% | 2518.00% | Weak |
| Debt/Equity | 0.31 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 23.50 | 663.54 | Strong Liquidity |
| ROA | 0.70% | -21156.00% (disorted) | Weak |
FSBK outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews First South Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical