1. Financial Services

  2. •

    Banks - Regional
Charter Financial Corporation

Charter Financial Corporation

CHFN
Charter Financial CorporationUS flagNASDAQ
24.91
USD
- -
- -
Charter Financial Corporation
CHFN
(NASDAQ)

Recent

price

24.91

P/E

ratio

- -

div

yld

- -

ROIC.AI

2000
2001
2002
2003
2004
2005
2006
2009
2010
2011
2012
2013
2014
2015
2016
2017
TTM
FRC
0.17
0.11
0.91
1.09
1.46
1.74
1.9
1.61
2.62
2.32
2.83
2.27
2.15
2.88
4.39
4.78
5.37
Revenue per Share
0.03
0.24
0.15
0.16
0.42
0.58
0.69
0.13
0.32
0.13
0.28
0.3
0.29
0.35
0.83
1.01
1.17
Basic EPS, GAAP
0.54
0.08
0.41
0.68
0.4
0.47
0.57
0.13
-0.36
-0.06
-0.21
-0.14
0.41
1.15
0.46
1.24
1.55
Free Cash Flow per Basic Share
- -
- -
0.04
0.11
0.19
0.58
0.7
0.18
0.09
0.11
0.08
0.37
0.2
0.2
0.2
0.25
0.31
Dividend per Share
2.57
2.83
2.99
3.05
3.28
3.28
3.28
5.54
5.79
5.96
6.24
5.35
5.44
7.29
8.59
9.38
10.05
Book Value per Share
9.63
11.95
12.76
11.52
13.71
12.16
13.5
5.03
7.09
7.34
7.65
13.02
10.69
12.73
11.88
11.96
12.58
Tangible Book Value per Share
20
20
20
19
19
20
19
18
18
18
18
21
21
16
14
14
14
Basic Weighted Avg Shares
3
2
18
21
28
34
37
30
48
42
51
47
44
45
63
68
78
Sales/Revenue/Turnover
-416.59
-453.57
18.98
14.93
38.9
45.84
42.63
8.81
16.63
7.12
11.08
19.44
19.68
18.53
28.47
33.28
15.2
Operating Margin (%)
1
1
1
4
2
1
1
1
1
1
2
2
- -
- -
- -
1
1
Depreciation Expense
1
5
3
3
8
11
13
2
6
2
5
6
6
6
12
14
17
Net Income, GAAP
66.38
22.82
14.31
2.6
25.75
26.51
14.99
11.66
26.01
23.15
11.38
31.44
31.53
33.49
33.98
36.57
34.69
Effective Tax Rate (%)
19
220.95
16.26
14.54
28.88
33.69
36.23
7.78
12.3
5.47
9.82
13.33
13.47
12.33
18.8
21.11
21.69
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
352
309
411
248
353
262
237
227
212
110
81
60
55
62
57
67
62
LT Debt
191
237
249
230
273
243
268
98
136
139
143
274
225
205
203
214
224
Total Equity
-0.9
-1.38
0.48
0.48
1.28
1.77
2.21
0.51
1.76
0.77
2.11
2.25
1.94
2.04
4.51
5.34
2.76
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.26
8.88
5.07
5.25
13.34
17.86
20.89
2.79
5.68
2.15
4.53
5.63
5.35
4.92
9.97
11.2
12.11
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'18
Mar'18
Jun'18
ST Debt
3
3
5
LT Borrowings
64
64
62
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15
15
15
Market Capitalization
250
293
349

Working Capital

FRC

•

in mil. unless spec.
Dec'18
Mar'18
Jun'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
169
184
175
Accounts Receivable, Net
5
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
3
3
5
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.98%
13.99%
5.44%
Free Cash Flow
-43.36%
-38.44%
165.56%
Net Income, GAAP
29.44%
29.8%
21.69%
Sales/Revenue/Turnover
9.63%
7.4%
8.34%
Total Cash Common Dividend
28.96%
81.12%
24.44%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
16
13
17
17
63
2017
17
16
17
18
68
2018
20
20
20
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.31
0.15
0.09
0.27
0.83
2017
0.36
0.23
0.24
0.18
1.01
2018
0.31
0.36
0.32
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.05
0.05
0.05
0.05
0.2
2017
0.05
0.06
0.06
0.07
0.25
2018
0.07
0.08
0.08
- -
- -
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Business
Charter Financial Corporation (NASDAQ:CHFN) is a savings and loan holding company and the parent of CharterBank, a federally-chartered savings bank that provides retail and commercial banking products and services to individuals and businesses primarily in the southeastern United States. The company offers deposit products including checking accounts, money market accounts, regular savings accounts, term certificate accounts, and noninterest-bearing demand deposits; lending products such as commercial real estate loans, one- to four-family residential mortgage loans, construction loans, commercial business loans, home equity loans and lines of credit, consumer loans including loans on deposits, automobile loans, mobile home loans, and other installment loans; and community banking services comprising online banking and bill payment, mobile banking, online cash management, safe deposit box rentals, debit and ATM card services, cash management, internet banking, mobile deposits, e-statements, telephone banking, credit card merchant services, and VISA debit cards. Charter Financial Corporation operates through a network of 22 branch offices located in Metro Atlanta, the I-85 corridor south to Auburn, Alabama, and the Florida Gulf Coast; it maintains its headquarters in West Point, Georgia, where it was founded in 1954. The company continues to serve its core markets in community banking with no major acquisitions, partnerships, funding rounds, or strategic shifts reported in the last one to two years.