For Immediate Release

HCSB Financial Corporation Announces Fourth Quarter 2016

Financial Results

 

Loris, SC, January 26, 2017----HCSB Financial Corporation, (the “Company”)(OTCQB: HCFB), the holding company for Horry County State Bank (the “Bank”), announced today financial results for the fourth quarter ended December 31, 2016. The Company announced net income of $1.4 million, or $0.00 per common share, for the fourth quarter of 2016, an increase from a net loss of $1.8 million, or $0.00 per common share at the end of the third quarter of 2016.

“We have wrapped up 2016 on a very positive note, with net income of $1.4 million for the fourth quarter. We believe this gives us great momentum going into 2017 as our focus remains on delivering profitability for our shareholders and valuable financial services to our communities. Our loan production exceeded our internal expectations, and we believe that is poised to continue as our bankers are providing exceptional customer service in each of our markets. In the fourth quarter, we were able to release $1.1 million in loan loss reserves, as the quality of our portfolio has improved significantly with the completion of our asset disposition plan in the second half of the year and the management team gained further understanding about the risk remaining in the loan portfolio. In addition, we have migrated to an independent third party model for calculating our loan loss reserves which gives us great confidence in our estimates and allows us to account for market fluctuations that may occur,” remarked Jan Hollar, Chief Executive Officer of the Company and the Bank.

Financial Highlights

During the fourth quarter, the Company reported net income of $1.4 million, as the Company released $1.1 million in loan loss reserves due to the significant reduction in nonperforming assets, continuing positive trends in past dues, the completion of the accelerated asset disposition plan and management gained an improved understanding of the risk within the loan portfolio. Excluding the reversal of provision, pre-tax net income for the fourth quarter was $29,000, a $1.8 million increase over a net loss of $1.8 million for the third quarter of 2016. Noninterest expense was down $1.7 million quarter-over-quarter as the net cost of operation of other real estate owned (“OREO”) decreased $1.4 million and FDIC insurance expense decreased $183,000.

 

The Company saw loan growth of $5.9 million, or 3%, for the fourth quarter of 2016 as loan production continues to be a key management focus. Total deposits decreased $10.1 million and totaled $313.3 million at December 31, 2016, compared to $323.4 million at September 30, 2016, as non-interest bearing demand accounts decreased $5.7 million due to seasonality of deposits in our market area, and time deposits decreased $4.3 million primarily due to the maturity of internet-based time deposits which were not renewed.

Interest Income and Net Interest Margin

Net interest income remained flat quarter over quarter, totaling $2.5 million for the fourth and third quarters of 2016. Net interest margin increased 6 basis points to 2.86% for the quarter ended December 31, 2016 from 2.80% for the quarter ended September 30, 2016. The increase in net interest margin is primarily the result of a 5 basis point increase in yields on interest earning assets, and the cost of borrowings remains stable. This increase in yields was due to an increase in yield on other interest-earning assets and a decrease in interest-bearing cash for the quarter.

For the year ended December 31, 2016, net interest income increased $124,000, or 1.3%, as compared to the year ended December 31, 2015. This increase in net interest income was primarily the result of a significant decrease in cost of liabilities, partially offset by a decrease in yields on interest earning assets. The decrease in cost of liabilities was primarily due to the payoff of subordinated debt, while the decrease in yields on interest earning assets was the result of lower yields on securities.

Non-Interest Income

Non-interest income was $412,000 in the fourth quarter of 2016 compared to $334,000 in the third quarter of 2016. The third quarter included a $222,000 loss on sale of assets recorded in the third quarter related to the bulk sale of nonperforming loans announced in the second quarter. Also included in non-interest income for the third quarter was a $153,000 gain on sale of securities. There were no gains or losses on the sale of assets or securities in the fourth quarter of 2016.

Non-interest income for the year ended December 31, 2016 was $20.6 million, which included a $19.1 million gain on the extinguishment of debt, as compared to non-interest income of $3.1 million for the year ended December 31, 2015. Non-interest income for 2016 also included $222,000 of losses on the sale of assets as compared to a gain on sale of assets of $717,000 in 2015. Gain on sale of securities for the year ended December 31, 2016 was $68,000 as compared to a gain on sale of securities of $232,000 for the year ended December 31, 2015.

 

Asset Quality

Overall asset quality continued to improve in the fourth quarter of 2016, as the Bank’s classified assets to Tier 1 capital ratio decreased to 46.4% at December 31, 2016. This compares to a classified asset to Tier 1 capital ratio of 55.3% and 287.2% at September 30, 2016 and December 31, 2015, respectively. OREO decreased by $1.1 million during the quarter to $2.9 million at December 31, 2016 due to the sale of several properties. Nonperforming loans increased by $1.1 million to $2.0 million at December 31, 2016 due to the repurchase of two loans from the asset disposition. Both loans repurchased are SBA guaranteed loans and no additional losses are anticipated. The ratio of nonperforming assets to total assets was 1.31% at December 31, 2016 as compared to 1.30% at September 30, 2016 and the ratio of nonperforming loans to total loans was 0.94% at the end of the fourth quarter of 2016 as compared to 0.45% at the end of the third quarter of 2016.

Allowance for Loan Losses

At December 31, 2016, the allowance for loan losses was $3.8 million, compared to $4.7 million at September 30, 2016. As a percentage of total loans held-for-investment, the allowance for loan losses was 1.74% in the fourth quarter of 2016, down from 2.24% in the third quarter of 2016 and 2.20% at December 31, 2015. In the fourth quarter of 2016, the Company implemented a new third party software for the calculation of the allowance for loan losses. The new model allowed management to perform further analysis of the portfolio and better identify improving credit trends. Overall, the decrease in the allowance for loan losses as a percentage of total loans was a reflection of improved trends in past dues and significant reductions in nonperforming loans in 2016. Out of the $3.8 million in total allowance for loan losses at December 31, 2016, specific allowances for impaired loans accounted for $643,000 as compared to $788,000 in the third quarter of 2016.

Balance Sheet and Capital

Total assets decreased $5.2 million during the fourth quarter of 2016, while gross loans (including loans held-for-sale) increased $5.9 million compared to the third quarter of 2016 as the Company continued to see solid loan production during the quarter. As discussed earlier, total deposits decreased $10.1 million and totaled $313.3million at December 31, 2016, compared to $323.4 million at September 30, 2016.

As of December 31, 2016 the Bank’s leverage ratio, Common Equity Tier 1 ratio (CET1), Tier 1 risk-based capital ratio, and total risk-based capital ratio were 9.95%, 15.14%, 15.14% and 16.39%, respectively.

 

About HCSB Financial Corporation

HCSB Financial Corporation is the holding company for Horry County State Bank, a full-service community bank providing services in eight branches across Horry County, South Carolina. Horry County State Bank’s website is www.hcsbaccess.com. HSCB shares are quoted on the OTCQB tier of the OTC Markets Group, Inc. under the symbol “HCFB”.

SAFE HARBOR

 

This news release contains forward-looking statements, as defined by the federal securities laws, including statement about the Company’s financial outlook and business environment. Forward looking statements generally include words such as “expects,” “projects,” “anticipates,” “believes,” “estimates,” “strategy,” “plan,” “potential,” and other similar expressions. These statements are provided to assist in the understanding of future financial performance and such performance involves risks and uncertainties that may cause actual results to differ materially from those anticipated in such statements. Any such statements are based on current expectations and involve a number of risks and uncertainties. For a discussion of some factors that may cause such forward-looking statements to differ materially from actual results, please refer to the section entitled “Forward-Looking Statements” on pages 1-2 and in the section entitled “Risk Factors” of the Company’s annual report on Form 10-K filed with the SEC for the year ended December 31, 2015. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update or revise forward-looking statements.

 

For additional information contact:

 

Jennifer W. Harris

Chief Financial Officer

(843) 716-6407

jharris@horrycountystatebank.com

 

 

HCSB Financial Corporation

Condensed Consolidated Balance Sheet (Unaudited)

   As of
   December 31,  September 30,  June 30,  March 31,  December 31,
   2016  2016  2016  2016  2015*
   ($ in thousands)
 ASSETS                         
 Cash and due from banks  $25,429   $31,174   $64,024   $41,652   $22,137 
 Investment securities available for sale   106,529    111,581    80,969    83,205    89,701 
 Nonmarketable equity securities   1,345    1,090    1,090    1,276    1,330 
 Loans held for sale   —      —      4,280    —      —   
 Loans   215,112    209,176    199,072    199,635    209,367 
 Allowance for loan losses   (3,750)   (4,676)   (4,492)   (3,719)   (4,601)
 Net loans   211,362    204,500    194,580    195,916    204,766 
                          
 Premises and equipment, net   14,314    14,456    14,591    15,758    15,917 
 Assets held-for-sale   —      —      768    —      —   
 Other real estate owned   2,887    4,032    7,256    11,270    13,624 
 Bank-owned life insurance   11,643    11,562    11,481    11,400    11,319 
 Deferred tax assets   19,646    16,270    16,270    19,587    22,474 
 Valuation allowance for deferred tax assets   (19,646)   (16,270)   (16,270)   (19,587)   (22,474)
 Other assets   2,425    2,712    3,441    2,886    2,629 
                          
 Total assets  $375,934   $381,107   $382,480   $363,363   $361,423 
                          
 LIABILITIES AND SHAREHOLDERS' EQUITY                         
                          
 Deposits:                         
 Demand noninterest-bearing  $41,324   $47,060   $44,077   $40,227   $40,182 
 Money market, NOW and savings   125,714    125,785    119,191    122,613    116,678 
 Time deposits   146,231    150,505    159,974    172,621    173,971 
 Total deposits   313,269    323,350    323,242    335,461    330,831 
                          
 Short-term borrowings   1,983    1,662    1,659    1,248    1,716 
 Long-term debt   24,000    17,000    17,000    34,141    34,138 
 Accrued expenses and other liabilities   1,355    2,502    3,312    7,161    6,988 
 Total liabilities   340,607    344,514    345,213    378,011    373,673 
                          
 Shareholders' equity:                         
 Preferred stock   —      —      9    12,895    12,895 
 Common stock   4,958    4,958    3,633    38    38 
 Warrants   —      —      —      1,012    1,012 
 Additional paid-in capital   68,411    68,273    81,903    30,220    30,220 
 Retained deficit   (34,783)   (36,183)   (48,177)   (58,090)   (54,807)
 Accumulated other comprehensive loss   (3,259)   (455)   (101)   (723)   (1,608)
 Total shareholders' equity   35,327    36,593    37,267    (14,648)   (12,250)
                          
 Total liabilities and shareholders' equity  $375,934   $381,107   $382,480   $363,363   $361,423 
                          
 Common shares issued and outstanding   495,763,940    495,763,940    363,314,783    3,846,340    3,846,340 
                          

* Derived from audited financial statements.

 

 

HCSB Financial Corporation

Condensed Consolidated Income Statement (Unaudited)

   At or For the Three Months Ended
   December 31,  September 30,  June 30,  March 31,  December 31,
   2016  2016  2016  2016  2015
   ($ in thousands, except per share amounts)
 Interest income                         
 Loans, including fees  $2,630   $2,667   $2,581   $2,483   $2,753 
 Investment securities   473    426    386    461    479 
 Nonmarketable equity securities   13    11    14    14    14 
 Interest on deposits at banks   37    68    73    31    14 
 Total interest income   3,153    3,172    3,054    2,989    3,260 
 Interest expense                         
 Money market, NOW and savings deposits   108    115    100    96    98 
 Time deposits   385    403    412    427    450 
 Borrowings   157    150    97    523    518 
 Total interest expense   650    668    609    1,046    1,066 
 Net interest income   2,503    2,504    2,445    1,943    2,194 
 Provision for loan losses   (1,061)   —      3,560    1,424    —   
 Net interest income (loss) after provision   3,564    2,504    (1,115)   519    2,194 
 Noninterest income                         
 Service charges on deposit accounts   168    188    189    161    163 
 Mortgage banking income   41    7    —      —      6 
 Income from bank-owned life insurance   111    110    110    110    109 
Gain (loss) on sale of securities available for sale   —      153    (102)   17    —   
 Gain (loss) on sale of assets   —      (222)   —      —      (4)
 Gain on extinguishment of debt   —      —      19,115    —      —   
 Other noninterest income   92    98    141    128    149 
 Total noninterest income   412    334    19,453    416    423 
 Noninterest expenses                         
 Salaries and employee benefits   1,616    1,638    1,668    1,286    1,228 
 Occupancy and equipment   458    493    486    499    493 
 Legal and professional fees   351    428    1,076    215    494 
 FDIC insurance   21    204    206    309    320 
 Impairment on assets held for sale   —      1    247    —      —   
Net cost of operation of other real estate owned   37    1,392    3,273    1,564    167 
 Other noninterest expense   403    467    549    345    364 
 Total noninterest expenses   2,886    4,622    7,505    4,218    3,066 
 Income (loss) before income taxes   1,090    (1,784)   10,833    (3,283)   (449)
 Income tax expense (benefit)   (310)   —      920    —      (40)
 Net income (loss)   1,400    (1,784)   9,913    (3,283)   (409)
 Preferred dividends   —      —      —      (398)   (405)
 Gain on extinguishment of preferred shares   —      —      13,778    —      —   
Net income (loss) available to common shareholders  $1,400   $(1,784)  $23,691   $(3,681)  $(814)
                          
 Earnings per common share, fully diluted  $0.00   $(0.00)  $0.03   $(0.96)  $(0.21)
 Weighted average diluted common shares   508,945,190    411,085,981    319,862,554    3,846,340    3,846,340 

 

 

HCSB Financial Corporation

Condensed Consolidated Income Statement (Unaudited)

   At or For the Twelve Months Ended
   December 31,  December 31,  December 31,
   2016  2015  2014
   ($ in thousands, except per share amounts)
 Interest income               
 Loans, including fees  $10,361   $11,628   $13,417 
 Investment securities   1,747    1,980    2,556 
 Nonmarketable equity securities   52    51    60 
 Interest on deposits at banks   208    67    62 
 Total interest income   12,368    13,726    16,095 
 Interest expense               
 Money market, NOW and savings deposits   419    423    450 
 Time deposits   1,626    2,009    2,545 
 Borrowings   927    2,022    2,059 
 Total interest expense   2,972    4,454    5,054 
 Net interest income   9,396    9,272    11,041 
 Provision for loan losses   3,923    —      1,061 
 Net interest income (loss) after provision   5,473    9,272    9,980 
 Noninterest income               
 Service charges on deposit accounts   706    744    880 
 Mortgage banking income   48    181    229 
 Income from bank-owned life insurance   441    431    440 
 Gain (loss) on sale of securities available for sale   68    232    201 
 Gain (loss) on sale of assets   (222)   717    6 
 Gain on extinguishment of debt   19,115    —      —   
 Other noninterest income   458    830    1,800 
 Total noninterest income   20,614    3,135    3,556 
 Noninterest expenses               
 Salaries and employee benefits   6,208    5,383    5,606 
 Occupancy and equipment   1,936    2,133    2,243 
 Legal and professional fees   2,070    1,708    1,318 
 FDIC insurance   740    1,391    1,574 
 Impairment on assets held for sale   248    —      —   
 Net cost of operation of other real estate owned   6,266    632    1,411 
 Other noninterest expense   1,763    1,379    1,597 
 Total noninterest expenses   19,231    12,626    13,749 
 Income (loss) before income taxes   6,856    (219)   (213)
 Income tax expense (benefit)   610    27    78 
 Net income (loss)   6,246    (246)   (291)
 Preferred dividends   —      (1,512)   (1,112)
 Gain on extinguishment of preferred shares   13,778           
 Net income (loss) available to common shareholders  $20,024   $(1,758)  $(1,403)
                
 Earnings per common share, fully diluted  $0.07   $(0.46)  $(0.37)
 Weighted average diluted common shares   317,563,726    3,823,244    3,770,355 

 

 

HCSB Financial Corporation

Average Balance Sheets and Net Interest Analysis (Unaudited)

   For the Three Months Ended
   December 31, 2016  December 31, 2015
   Average  Income/  Yield/  Average  Income/  Yield/
   Balance  Expense  Rate (2)  Balance  Expense  Rate (2)
Assets  ($ in thousands)
Interest-earning assets:                              
   Loans and loans held for sale (1)  $208,850   $2,630    5.01%  $214,778   $2,753    5.09%
   Interest-bearing deposits   28,480    37    0.52%   22,711    14    0.24%
   Investment securities   109,615    473    1.73%   88,846    479    2.16%
   Other interest-earning assets   1,262    13    4.10%   1,144    14    4.86%
                               
      Total interest-earning assets   348,207    3,153    3.60%   327,479    3,260    3.95%
                               
Allowance for loan losses   (4,716)             (5,009)          
Cash and due from banks   1,497              1,356           
Premises and equipment (net)   14,408              16,011           
Other assets   18,432              29,980           
                               
      Total assets  $377,828             $369,817           
                               
Liabilities and shareholders' equity                              
Interest-bearing liabilities:                              
   Interest-bearing demand  $40,664   $13    0.13%  $39,326   $16    0.16%
   Money market, NOW and savings   83,394    95    0.45%   78,739    82    0.41%
   Time deposits   143,939    378    1.04%   173,916    426    0.97%
   Brokered deposits   4,038    7    0.69%   3,135    24    3.04%
      Total interest-bearing deposits   272,035    493    0.72%   295,116    548    0.74%
   Short-term borrowings   1,383    1    0.29%   992    2    0.80%
   Long-term debt   21,717    156    2.86%   34,248    516    5.98%
      Total borrowed funds   23,100    157    2.70%   35,240    518    5.83%
                               
      Total interest-bearing liabilities   295,135    650    0.88%   330,356    1,066    1.28%
                               
Net interest rate spread        2,503    2.74%        2,194    2.67%
                               
Noninterest-bearing demand deposits   44,241              43,761           
Other liabilities   2,116              7,225           
Shareholders' equity   36,336              (11,525)          
                               
Total liabilities and shareholders' equity  $377,828             $369,817           
                               
Net interest margin             2.86%             2.66%

 

(1) Nonaccrual loans are included in the average loan balances.

(2) Yield/ rate calculated on Actual/Actual day count basis, except for yield on investments which is calculated on a 30/360 day count basis.

 

 

HCSB Financial Corporation

Selected Ratios (Unaudited)

   At or For the Three Months Ended
   December 31,  September 30,  June 30,  March 31,  December 31,
   2016  2016  2016  2016  2015
   ($ in thousands, except per share amounts)
Per Share Data:                         
Basic Earnings (Loss) per Common Share  $0.00   $(0.00)  $0.03   $(0.96)  $(0.21)
Book value per common share (1)  $0.07   $0.07   $0.10   $(7.16)  $(6.54)
Common shares outstanding   495,763,940    495,763,940    363,314,783    3,846,340    3,846,340 
Weighted average dilutive common shares outstanding   508,945,190    411,085,981    319,862,554    3,846,340    3,846,340 
                          
Selected Performance Ratios:                         
Return on Average Assets   1.47%   -1.85%   11.07%   -3.57%   -0.41%
Return on Average Equity (2)   15.33%   -19.92%   -336.28%   N/A    N/A 
Net interest margin (non-tax equivalent)   2.86%   2.80%   2.84%   2.45%   2.66%
Non-interest Income as a % of Revenue   11.56%   9.53%   86.43%   12.22%   11.49%
Non-interest Income as a % of Average Assets   0.11%   0.09%   5.40%   0.11%   0.11%
Non-interest Expense as a % of Average Assets   0.76%   1.20%   2.08%   1.14%   0.78%
                          
Asset Quality:                         
Past due 30-59 days (and still accruing)  $888   $535   $636   $3,667   $3,897 
Past due 60-89 days (and still accruing)   150    112    159    647    244 
Past due 90 days plus (and still accruing)   —      —      —      —      —   
Nonaccrual loans   2,025    931    332    6,115    8,742 
Nonperforming loans   2,025    931    332    6,115    8,742 
Nonperforming loans held for sale (nonaccruing)   —      —      4,012    —      —   
OREO   2,887    4,032    7,256    11,270    13,624 
Nonperforming assets   4,912    4,963    11,600    17,385    22,366 
                          
Nonperforming loans to total loans   0.94%   0.45%   0.17%   3.06%   4.18%
Nonperforming assets to total assets   1.31%   1.30%   3.03%   4.78%   6.19%
Allowance to total loans held-for-investment   1.74%   2.24%   2.26%   1.86%   2.20%
Allowance to nonperforming loans   185.19%   502.26%   1353.01%   60.82%   52.63%
Allowance to nonperforming assets   76.34%   94.22%   38.72%   21.39%   20.57%
Net charge-offs (recoveries) to average loans   -0.26%   -0.36%   5.46%   4.32%   0.74%
(annualized)                         
                          
Capital Ratios (Bank):                         
Common Equity Tier 1 (CET1) capital  $37,721   $36,404   $38,114   $9,238   $12,135 
Tier 1 capital   37,721    36,404    38,114    9,238    12,135 
Tier 2 capital   3,122    3,039    2,939    2,962    3,267 
Total risk based capital   40,843    39,443    41,053    12,200    15,402 
Risk weighted assets   249,122    241,456    233,528    236,204    260,024 
Average assets for leverage ratio   379,052    388,135    384,914    360,649    370,482 
                          
Common Equity Tier 1 (CET1) ratio   15.14%   15.08%   16.32%   3.91%   4.67%
Tier 1 ratio   15.14%   15.08%   16.32%   3.91%   4.67%
Total risk based capital ratio   16.39%   16.34%   17.58%   5.17%   5.92%
Tier 1 leverage ratio   9.95%   9.38%   9.90%   2.56%   3.28%

 

(1) Book value per share excludes non-voting preferred shares

(2) Ratio not applicable in prior periods due to negative equity

 

 

 

 

 


The following information was filed by Hcsb Financial Corp (HCFB) on Thursday, January 26, 2017 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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