| Company Name: | Beach First National Bankshares | | Ticker Symbol: | BFNB | | | WWW Address: | www.beachfirst.com | | CEO: | Walter E. Standish, III | | No. of Employees: | 179 | | Common Issue Type: | CS | | Business Description: | A holding company for Beach First National Bank, which provides various financial services to consumers and small-to-mid-sized businesses in South Carolina.
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| | | Industry Information: | BANKING - Regional - Southeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 0.69 |  0.11 | 0.5 | 2.0 | 0.56 | 0.69 | 0.51 | 10881 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 3.3 | 4.8 | 1.04 | -0.77 | 0.00 | 0.0 | 0.0 | 3.97 - 0.51 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 0.58 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 2.8 | mil |
| Latest Shares Outstanding | 4.8 | mil |
| Earnings pS (EPS) | -0.77 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 260,296 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 3.9 | mil |
| Float as % of Shares Outstanding | 79.5 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | -29.5 | % |
| Pre-Tax Profit Margin | -76.2 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -4.4 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -28.9 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 25.4 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 2.90 | |
| LT Debt/Total Capital | 74.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 5.34 | $ |
| Tangible Book-Value pS | 5.34 | $ |
| Cash Flow pS | -6.02 | $ |
| Free Cash Flow pS | 1.61 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.11 | |
| Price/Tangible Book Ratio | 0.11 | |
| Price/Cash Flow | -0.1 | |
| Price/Free Cash Flow | 0.4 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -17.7 | 81 | 64 | 203 |
| 4 Weeks | 1.20 | 0.51 | 1.19 | -51.3 | 46 | 86 | 1,466 |
| 13 Weeks | 1.64 | 0.51 | 1.55 | -62.6 | 35 | 82 | 5,026 |
| 26 Weeks | 2.92 | 0.51 | 2.96 | -80.4 | 16 | 72 | 8,982 |
| 52 Weeks | 3.97 | 0.51 | 3.85 | -84.9 | 12 | 62 | 15,358 |
| YTD | 3.41 | 0.51 | - | -78.5 | 18 | 62 | 14,115 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 0.71 | 0.78 | 1.14 | 1.87 | 2.03 | 1.04 | 0.97 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 30.21 | 73.9 | 2.88 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 35.48 | NA | -32.42 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -13.2 | -18.3 | -11.6 |
| Earnings % | -100.0 | -100.0 | -100.0 |
| EPS % | -100.0 | -100.0 | -100.0 |
| EPS $ | -5.25 | -2.97 | -1.95 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 6.31 |
| Free Cash Flow Margin 5YEAR AVG | 2.59 |
| Cash-Flow pS | 0.75 |
| Free Cash-Flow pS | 0.54 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 13.45 |
| Debt Ratio | 92.57 |
| Total Debt/Equity (Gearing Ratio) | 1.64 |
| LT Debt/Equity | 1.64 |
| LT Debt/Capital Invested | 62.10 |
| LT Debt/Total Liabilities | 13.16 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.00 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | 0.00 |
| Enterprise Value (EV)/Free Cash Flow | 1.22 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 0.11 |
| Price/Book Ratio - LTM | 0.11 |
| Price/Cash Flow Ratio | -0.1 |
| Price/Free Cash Flow Ratio - LTM | 0.4 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 9.0 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 5.34 |
| Book Value pS - LTM | 5.34 |
| Capital Invested pS | 27.08 |
| Cash Flow pS - LTM | -6.02 |
| Free Cash Flow pS - LTM | 1.61 |
| Earnings pS (EPS) | -0.77 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -7.46 |
| Return on Equity (ROE) - 5YEAR AVRG. | 6.5 |
| Return on Capital Invested (ROCI) | -2.83 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 2.7 |
| Return on Assets (ROA) | -0.55 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.5 |
| EBIT Margin - LTM | -29.5 |
| EBITDA Margin - LTM | -29.5 |
| Pre-Tax Profit Margin | -29.89 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 24.63 |
| Net Profit Margin | -19.31 |
| Net Profit Margin - 5YEAR AVRG. | 15.76 |
| Effective Tax Rate | 35.37 |
| Effective Tax Rate - 5YEAR AVRG. | 35.84 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 233,357 |
| Net Income per Employee - LTM | -162,831 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,905.44 |
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