Charter Financial

Charter Financial Corporation is the savings and loan holding company for CharterBank (the Bank). The Bank is a federally-chartered savings bank. Its principal business consists of attracting retail deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate loans, one- to four-family residential mortgage loans, construction loans and investment securities, commercial business loans, home equity loans and lines of credit, and other consumer loans. It offers a range of community banking services to its customers, including online banking and bill payment services, mobile banking, online cash management, safe deposit box rentals, debit card, and automated teller machine (ATM) card services and the availability of a network of ATMs. In addition to its approximately 10 branch offices in west-central Georgia, east-central Alabama and the Florida Gulf Coast, it operates a cashless branch office in Norcross, Georgia.
Type
Public
HQ
West Point, US
Founded
1954
Size (employees)
315 (est)+18%
Charter Financial was founded in 1954 and is headquartered in West Point, US

Charter Financial Office Locations

Charter Financial has an office in West Point
West Point, US (HQ)
600 3rd Ave

Charter Financial Data and Metrics

Charter Financial Financial Metrics

Charter Financial's revenue was reported to be $68.7 m in FY, 2016 which is a 37% increase from the previous period.
USD

Revenue (FY, 2016)

68.7 m

Revenue growth (FY, 2015 - FY, 2016), %

37%

Gross profit (FY, 2016)

63.1 m

Gross profit margin (FY, 2016), %

92%

Net income (FY, 2016)

11.9 m

EBIT (FY, 2016)

42.4 m

Market capitalization (21-Jul-2017)

272.4 m

Cash (30-Sep-2016)

91.8 m

EV

230.6 m
Charter Financial's current market capitalization is $272.4 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

54.3 m49.9 m50.2 m68.7 m

Revenue growth, %

(8%)1%37%

Cost of goods sold

5 m5.6 m

Gross profit

45.2 m63.1 m

Gross profit Margin, %

90%92%

Operating expense total

36.8 m

EBIT

32.9 m42.4 m

EBIT margin, %

65%62%

Pre tax profit

8.4 m18 m

Income tax expense

2.8 m6.1 m

Net Income

5.6 m11.9 m
USDFY, 2015FY, 2016

Cash

30.3 m91.8 m

PP&E

19.7 m28.1 m

Goodwill

4.3 m29.8 m

Total Assets

1 b1.4 b

Accounts Payable

1.2 b

Total Debt

50 m

Total Liabilities

1.2 b

Additional Paid-in Capital

95.4 m83.7 m

Retained Earnings

114.4 m123.3 m

Total Equity

204.9 m203.1 m

Debt to Equity Ratio

0.2 x

Debt to Assets Ratio

0 x

Financial Leverage

5 x7.1 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

6.3 m6 m5.6 m11.9 m

Depreciation and Amortization

1.5 m1.5 m

Cash From Operating Activities

18.5 m8.3 m

Purchases of PP&E

(40 m)

Cash From Investing Activities

(88.1 m)(3.8 m)

Long-term Borrowings

(5 m)(114 m)

Dividends Paid

(3.1 m)(2.9 m)

Cash From Financing Activities

456.8 k57 m

Interest Paid

5 m5.1 m

Income Taxes Paid

409.9 k2.5 m
USDY, 2016

EV/EBIT

5.4 x

EV/CFO

27.9 x

Revenue/Employee

257.5 k

Debt/Equity

0.2 x

Financial Leverage

7.1 x

Charter Financial Market Value History

Charter Financial Online and Social Media Presence

Charter Financial Company Life and Culture

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