Market Price

23.54 

0.53 2.3%

as of Mar 21 '19

52 Week Range:

19.18 30.70


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Entegra Financial Corp. operates as the bank holding company for Entegra Bank that provides various retail and commercial banking products and services in the United States. The company offers deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and individual retirement accounts. It also provides commercial real estate loans, one-to-four family residential mortgage loans, home equity loans and lines of credits, and commercial loans, as well as one-to four-family residential construction, other construction and land, and consumer loans. In addition, the company invests in securities; provides wealth management services through a third party; and originates loans for sale in the secondary markets. As of December 31, 2018, it operated a network of 18 branches and 2 loan production offices in the Western North Carolina counties of Buncombe, Cherokee, Haywood, Henderson, Jackson, Macon, Polk, and Transylvania; the Upstate South Carolina counties of Anderson, Greenville, Pickens, and Spartanburg; and the northern Georgia counties of Gwinnett, Hall, and Pickens. The company also facilitates the issuance of trust preferred securities. The company was formerly known as Macon Financial Corp. and changed its name to Entegra Financial Corp. in 2014. Entegra Financial Corp. was founded in 1922 and is headquartered in Franklin, North Carolina.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 15.94
19.99
21.37
20.86
22.66
growth rate 25.4% 6.9% -2.4% 8.6%
Earnings BIT 9.36
8.48
11.94
13.32
growth rate -9.5% 40.9% 11.5%
Avg.PE 38.40
17.09
4.79
24.59
72.95
11.78
growth rate -55.5% -72.0% 413.4% 196.7% -83.9%
ROA 0.12
-0.05
0.70
2.46
0.55
0.18
0.86
growth rate -100.0% 100.0% 251.4% -77.6% -67.3% 377.8%
ROE 2.21
-1.11
8.50
19.95
4.82
1.81
8.86
growth rate -100.0% 100.0% 134.7% -75.8% -62.5% 389.5%
ROIC 8.80
4.89
7.99
growth rate -44.4% 63.4%
Leverage 18.20
24.13
8.42
7.85
9.72
10.45
10.05
growth rate 32.6% -65.1% -6.8% 23.8% 7.5% -3.8%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 2.67
2.93
3.55
5.01
5.41
growth rate 9.4% 21.5% 41.0% 7.8%
Acct.Payable 2.02
703.12
716.62
830.01
1,162.18
1,221.24
growth rate 34,656.2% 1.9% 15.8% 40.0% 5.1%
Cur.Assets 77.09
63.08
63.26
128.41
79.18
growth rate -18.2% 0.3% 103.0% -38.3%
Total Assets 784.89
903.65
1,031.42
1,292.88
1,581.45
1,636.44
growth rate 15.1% 14.1% 25.4% 22.3% 3.5%
Cash 210.75
58.38
40.65
43.29
40.17
69.12
growth rate -72.3% -30.4% 6.5% -7.2% 72.1%
Inventory 4.43
5.37
4.23
2.57
2.49
growth rate 21.3% -21.3% -39.2% -2.9%
Cur.Liabilities 723.44
846.83
1,103.77
1,368.61
1,221.24
growth rate 17.1% 30.3% 24.0% -10.8%
Liabilities 752.38
796.33
899.95
1,159.81
1,430.14
1,473.57
growth rate 5.8% 13.0% 28.9% 23.3% 3.0%
LT Debt 54.43
40.13
42.16
41.06
232.93
growth rate -26.3% 5.1% -2.6% 467.4%
Equity 32.52
107.32
131.47
133.07
151.31
162.87
growth rate 230.0% 22.5% 1.2% 13.7% 7.6%
Common Shares 7.00
7.00
7.00
7.00
7.00
6.00
7.00
7.00
growth rate 0.0% 0.0% 0.0% 0.0% -14.3% 16.7% 0.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.64
0.88
3.56
0.36
0.73
growth rate 37.2% 303.6% -90.0% 104.2%
Cash From OA 5.43
3.44
7.99
17.19
17.83
growth rate -36.6% 132.3% 115.0% 3.7%
FCF per Share -0.48
1.51
1.17
2.78
1.34
growth rate 100.0% -22.5% 137.6% -51.8%
Sale Purchase of Stock 65.46
-0.28
-1.92
-0.30
growth rate -100.0% 0.0% 0.0%
FCF 10.00
11.00
5.00
2.00
6.00
16.00
17.00
6.00
growth rate 10.0% -54.6% -60.0% 200.0% 166.7% 6.3% -64.7%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 37.59
31.92
34.72
42.06
46.91
54.11
growth rate -15.1% 8.8% 21.2% 11.5% 15.4%
Op.Income -0.42
12.39
10.59
13.48
13.92
18.66
growth rate 100.0% -14.5% 27.3% 3.3% 34.1%
IBT 0.06
8.15
7.09
9.87
10.11
17.04
growth rate 13,485.0% -13.1% 39.3% 2.4% 68.6%
Net Income -0.42
5.94
23.83
6.38
2.58
13.92
growth rate 100.0% 300.9% -73.2% -59.6% 439.6%
EPS 0.91
3.64
0.98
0.39
1.99
growth rate 300.0% -73.1% -60.2% 410.3%
Gross Profit 31.92
34.72
42.06
46.91
54.11
growth rate 8.8% 21.2% 11.5% 15.4%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 2.75
5.39
growth rate 96.1%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 5.41
5.54
growth rate 2.5%
Acct.Payable 1,162.18
1,205.91
1,220.58
1,256.03
1,221.24
growth rate 3.8% 1.2% 2.9% -2.8%
Cur.Assets 128.41
143.45
133.61
137.42
79.18
growth rate 11.7% -6.9% 2.9% -42.4%
Total Assets 1,581.45
1,625.44
1,628.29
1,669.57
1,636.44
growth rate 2.8% 0.2% 2.5% -2.0%
Cash 40.17
18.50
25.82
24.17
69.12
growth rate -54.0% 39.6% -6.4% 186.0%
Inventory 2.57
2.87
2.80
2.82
2.49
growth rate 11.9% -2.5% 0.6% -11.5%
Cur.Liabilities 1,368.61
1,412.18
1,376.65
1,372.90
1,221.24
growth rate 3.2% -2.5% -0.3% -11.1%
Liabilities 1,430.14
1,473.57
1,473.51
1,512.84
1,473.57
growth rate 3.0% 0.0% 2.7% -2.6%
LT Debt 41.06
41.52
82.31
121.83
232.93
growth rate 1.1% 98.3% 48.0% 91.2%
Equity 151.31
151.88
154.79
156.73
162.87
growth rate 0.4% 1.9% 1.3% 3.9%
Common Shares 154.79
162.87
growth rate 2.6%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 0.14
0.35
0.67
2.54
growth rate 155.6% 93.6% 279.9%
Cash From OA 5.00
3.80
-4.52
8.82
growth rate -24.0% -100.0% 100.0%
Sale Purchase of Stock 0.12
0.12
growth rate 0.0%
FCF 4.87
3.46
-5.18
6.28
growth rate -29.0% -100.0% 100.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 12.88
13.45
13.25
13.92
13.49
growth rate 4.4% -1.5% 5.1% -3.1%
Op.Income 4.14
4.85
4.33
4.73
4.76
growth rate 17.2% -10.8% 9.3% 0.7%
IBT 1.77
4.33
3.81
4.38
4.53
growth rate 144.4% -11.9% 14.9% 3.3%
Net Income -3.29
3.58
3.09
3.52
3.72
growth rate 100.0% -13.8% 14.1% 5.7%
Gross Profit 12.88
13.45
13.25
13.92
13.49
growth rate 4.4% -1.5% 5.1% -3.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (57.89)

YOY Growth Grade:

D (43.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.24 11.83 10.68
EPS / Growth 1.99

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 14.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 14.9% 14.9% 14.9%
Future PE 10.68 17.60 17.60
Future EPS 8.01 8.01 8.01
Value Price
MOS %
21.14
-10.2%
34.84
48.0%
34.84
48.0%
MOS Price 10.57 17.42 17.42
IRT 6.67 6.67 6.67

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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