1. Financial Services

  2. •

    Banks - Regional
State Bank Financial Corporation

State Bank Financial Corporation

STBZ
State Bank Financial CorporationUS flagNASDAQ
21.59
USD
+0.10
- -
2009 Y
2010 Y
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
TTM
Revenue per Share
1.73
5.17
5.43
4.73
3.59
4.53
4.91
5.43
6.13
7.06
Basic EPS, GAAP
0.57
1.44
1.36
0.91
0.4
0.96
0.82
1.32
1.23
1.56
Free Cash Flow per Basic Share
0.21
8.33
4.91
6.04
3.01
1.33
-0.83
0.54
1.84
2.21
Dividend per Share
- -
- -
- -
0.06
0.12
0.15
0.33
0.58
0.58
0.76
Book Value per Share
0.58
2.02
3.38
4.03
4.27
5.06
5.16
5.74
6.08
6.76
Tangible Book Value per Share
9.52
11.1
12.3
13.34
13.28
13.96
14
14.48
14.29
14.89
Basic Weighted Avg Shares
31
32
32
32
32
32
35
36
38
38
Sales/Revenue/Turnover
54
163
172
150
115
146
171
195
233
269
Operating Margin (%)
51.94
44.68
38.75
29.77
16.82
33.82
25.69
37.85
- -
9.16
Depreciation Expense
2
6
3
1
1
1
2
2
3
3
Net Income, GAAP
18
46
43
29
13
31
28
48
47
59
Effective Tax Rate (%)
36.78
37.49
35.36
35.36
34
37.21
35.21
35.49
46.84
35.32
Profit Margin (%)
32.84
27.93
25.05
19.24
11.1
21.23
16.64
24.41
20.03
22.12
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
5
- -
3
3
6
3
2
47
- -
- -
Total Equity
311
359
397
436
437
464
536
614
642
664
Return on Invested Capital (%)
- -
13.49
10.49
6.01
2.7
6.8
5.66
7.94
- -
2.44
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
110.79
50.37
24.61
9.64
20.66
16.61
24.67
21.32
24.37

Capital Structure

FRC

•

in mil. unless spec.
Mar'18
Jun'18
Sep'18
ST Debt
- -
- -
- -
LT Borrowings
15
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
39
39
39
Market Capitalization
1,116
1,251
1,139

Working Capital

FRC

•

in mil. unless spec.
Mar'18
Jun'18
Sep'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
964
245
216
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
8.18%
4.55%
Free Cash Flow
- -
-36.1%
259.56%
Net Income, GAAP
- -
28.79%
-2.14%
Sales/Revenue/Turnover
- -
10.82%
19.29%
Total Cash Common Dividend
- -
70.19%
5.48%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
46
52
48
49
195
2017
53
57
54
68
233
2018
65
67
68
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.3
0.39
0.35
0.29
1.32
2017
0.31
0.4
0.38
0.14
1.23
2018
0.46
0.49
0.47
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.14
0.14
0.14
0.14
0.58
2017
0.14
0.14
0.14
0.14
0.58
2018
0.21
0.21
0.2
- -
- -

Company Description

APIChat
Sector
Financial Services
Industry
Banks - Regional
Address
IPO Date
Dec 23, 2009
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Business
State Bank Financial Corporation (NASDAQ: STBZ) operates as the bank holding company for State Bank and Trust Company, a division of Cadence Bank, N.A., that provides a full range of community banking services to individuals and businesses throughout Georgia. The company offers deposit products including checking accounts, commercial operating accounts, savings and money market accounts, individual retirement accounts, certificates of deposit, commercial and consumer demand deposits, and time deposits; lending products such as commercial real estate mortgages, residential real estate mortgages, real estate construction loans, commercial and industrial loans, agricultural loans, consumer loans, real estate development loans, financial loans, and loans to small and medium-sized businesses; correspondent banking products; and payment solutions encompassing ACH origination, electronic bill presentment and payment, remote deposit capture, cash deposit services, retail and wholesale lockbox, and wire services. Additional services comprise cash management accounts, disbursement services including online bill pay, person-to-person payments, and bank-to-bank transfers; fraud controls such as Positive Pay, ACH Decisioning, and IBM Security Trusteer Rapport malware protection; online cash management systems; payroll services featuring automated human resources information systems, payroll processing, benefit administration, labor management, and insurance services; online banking and bill payment; safe deposit box rental; debit cards; and automated teller machine cards. The company maintains operations in key Georgia counties including Bibb, Chatham, Clarke, Cobb, Columbia, Dooly, Fulton, Gwinnett, Hall, Houston, Jones, Liberty, McDuffie, Richmond, and Tattnall, with headquarters in Atlanta. In a major strategic development, Cadence Bancorporation completed its merger with State Bank Financial Corporation effective January 1, 2019, through which State Bank and Trust Company merged into Cadence Bank, enabling continued operations as a division while expanding the combined entity's footprint across multiple states.