Entegra Financial Corporation

The Bank is a North Carolina chartered savings bank and its business consists primarily of accepting deposits from individuals and small businesses and investing those deposits, together with funds generated from operations and borrowings, primarily in loans secured by real estate, including commercial real estate loans, one- to four-family residential loans, construction loans, and home equity loans and lines of credit. The Bank also originates commercial business loans and invests in investment securities. Through its mortgage loan production operations the Bank originates loans for sale in the secondary markets to Fannie Mae and others. It also offers a variety of deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and individual retirement accounts.
Type
Public
HQ
Franklin, US
Size (employees)
201 (est)
Entegra Financial Corporation is headquartered in Franklin, US

Entegra Financial Corporation Office Locations

Entegra Financial Corporation has an office in Franklin
Franklin, US (HQ)
14 One Center Ct

Entegra Financial Corporation Data and Metrics

Entegra Financial Corporation Financial Metrics

Entegra Financial Corporation's revenue was reported to be $12.4 m in Q1, 2017
USD

Revenue (Q1, 2017)

12.4 m

Gross profit (Q1, 2017)

10.7 m

Gross profit margin (Q1, 2017), %

86%

Net income (Q1, 2017)

1.3 m

EBIT (Q1, 2017)

9.3 m

Market capitalization (21-Jul-2017)

143.5 m

Cash (31-Mar-2017)

84.2 m
Entegra Financial Corporation's current market capitalization is $143.5 m.
USDFY, 2014FY, 2015FY, 2016

Revenue

38.6 m38.9 m48.4 m

Revenue growth, %

1%24%

Cost of goods sold

6.6 m5.7 m6 m

Gross profit

32 m33.2 m42.3 m

Gross profit Margin, %

83%85%88%

R&D expense

1.1 m1.2 m1.6 m

Operating expense total

1.1 m1.2 m1.6 m

EBIT

25.8 m28.9 m34.2 m

EBIT margin, %

67%74%71%

Pre tax profit

7.1 m9.9 m

Income tax expense

2.2 m(16.7 m)3.5 m

Net Income

5.9 m23.8 m6.4 m
USDQ3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

9.4 m9.2 m10.2 m10.9 m12.4 m12.5 m12.4 m

Cost of goods sold

1.6 m1.5 m1.4 m1.4 m1.5 m1.5 m1.7 m

Gross profit

7.9 m7.7 m8.9 m9.5 m10.8 m11 m10.7 m

Gross profit Margin, %

84%84%87%87%88%88%86%

R&D expense

280 k282 k310 k351 k400 k406 k401 k

Operating expense total

280 k282 k310 k351 k400 k406 k401 k

EBIT

7.8 m6.6 m7 m7.6 m8.7 m8.8 m9.3 m

EBIT margin, %

83%72%69%70%71%70%75%

Pre tax profit

2.8 m2.7 m2.2 m3 m1.8 m

Income tax expense

180 k(17.6 m)485 k854 k676 k1.2 m479 k

Net Income

4.6 m2.6 m19.7 m21.9 m1.4 m2.2 m4 m1.3 m
USDFY, 2014FY, 2015FY, 2016

Cash

59 m40.7 m43.3 m

Accounts Receivable

2.9 m3.6 m5 m

Inventories

766 k

Goodwill

711 k2.1 m

Total Assets

903.6 m1 b1.3 b

Accounts Payable

323 k213 k254 k

Total Debt

298.5 m

Total Liabilities

1.2 b

Additional Paid-in Capital

63.7 m63.7 m62.7 m

Retained Earnings

45.9 m69.8 m76.1 m

Total Equity

107.3 m131.5 m133.1 m

Debt to Equity Ratio

2.2 x

Debt to Assets Ratio

0.2 x

Financial Leverage

8.4 x7.8 x9.7 x
USDQ3, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

84.1 m29 m42.4 m45.9 m57.9 m62 m84.2 m

Accounts Receivable

3 m3.2 m3.4 m3.8 m4.3 m4.3 m5.3 m

Goodwill

711 k1.9 m2.1 m7.1 m

Total Assets

884.4 m969.5 m984.3 m1.1 b1.2 b1.2 b1.4 b

Accounts Payable

710.7 m692.5 m683.1 m720.7 m828.9 m837.3 m988 m

Additional Paid-in Capital

63.7 m63.7 m63.7 m62.7 m62.8 m63 m62.6 m

Retained Earnings

44.6 m65.7 m67.8 m71.1 m72 m73.8 m77.4 m

Total Equity

104.3 m127.1 m130.8 m135 m

Financial Leverage

8.5 x7.6 x7.5 x10.3 x
USDFY, 2014FY, 2015FY, 2016

Net Income

5.9 m23.8 m6.4 m

Accounts Receivable

(252 k)(629 k)(906 k)

Inventories

2 m(1.6 m)(1.3 m)

Accounts Payable

(1.7 m)(110 k)11 k

Cash From Operating Activities

3.4 m9.8 m16.6 m

Purchases of PP&E

(881 k)(3.6 m)(357 k)

Cash From Investing Activities

(81.3 m)(95 m)(173 m)

Long-term Borrowings

(152.1 m)(659.6 m)

Cash From Financing Activities

102.5 m66.8 m159 m

Income Taxes Paid

150 k150 k
USDQ3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

4.6 m2.6 m19.7 m21.9 m1.4 m2.2 m4 m1.3 m

Depreciation and Amortization

652 k

Accounts Receivable

(334 k)(219 k)(311 k)(441 k)(262 k)(154 k)(203 k)(275 k)

Accounts Payable

244 k7 k(107 k)(118 k)37 k22 k1 k(5 k)

Cash From Operating Activities

1.8 m5.4 m3.2 m11.3 m5.9 m6.8 m10 m4.5 m

Purchases of PP&E

(885 k)(2.4 m)(2.4 m)(3 m)(144 k)(144 k)(295 k)(253 k)

Cash From Investing Activities

(43 m)(28.4 m)(83.1 m)(83.3 m)(13.5 m)(42.9 m)(65.3 m)107.7 m

Long-term Borrowings

(10 m)(40 m)(95.1 m)(115 m)(9 m)(9 m)(415 m)

Cash From Financing Activities

91.1 m11.7 m49.9 m55.5 m12.8 m53.4 m76.7 m(71.3 m)

Income Taxes Paid

150 k
USDY, 2017

Revenue/Employee

61.8 k

Financial Leverage

10.3 x

Entegra Financial Corporation Market Value History

Entegra Financial Corporation Company Life and Culture

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