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Last $12.15 USD
Change Today +0.04 / 0.33%
Volume 18.1K
CHFN On Other Exchanges
Symbol
Exchange
NASDAQ CM
As of 5:20 PM 09/4/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

1233 O. G. Skinner Drive

West Point, GA 31833

United States

Phone: 706-645-1391

Fax:

Charter Financial Corporation operates as the holding company for CharterBank that provides various community banking services. The company, in addition to 14 branch offices in west-central Georgia, east-central Alabama and the Florida Gulf Coast, operates a cashless branch office in Norcross, Georgia. Lending Activities The company offers a range of loan products with various rates and terms. The company’s lending operations consist of the following segments: commercial real estate lending; single-family residential mortgage lending for retention in its portfolio; construction lending; and residential mortgage lending for resale in the secondary mortgage market, generally on a servicing-released basis. To a lesser extent, the company also originates consumer loans, and commercial business loans. Commercial Real Estate Loans: Commercial real estate loans have higher yields, shorter durations and larger loan balances. Commercial real estate loans are generally made to Georgia, Alabama or Florida borrowers and are secured by properties in these states. The company’s commercial real estate loans are typically secured by offices, hotels, strip shopping centers, warehouses/distribution facilities, land, multi-family properties, or convenience stores located principally in Georgia, Alabama and Florida. The company offers commercial real estate loans at fixed rates and adjustable rates tied to the prime rate as reported in The Wall Street Journal. The company offers terms of up to 10 years. Residential Mortgage Loans: The company originates first and second mortgage loans secured by one- to four-family residential properties within Georgia, Florida and Alabama. The company originates mortgages in all of its markets. The company originates both fixed rate and adjustable rate one- to four-family residential mortgage loans. The company originates one- to four-family residential loans with loan-to-values of up to 80%. The company offers home equity lines of credit as a complement to its one- to four-family residential mortgage lending. Construction Loans: The company makes loans primarily for the construction of one- to four-family residences but also for multi-family and nonresidential real estate projects on a select basis. The company offers construction loans to pre-approved local builders including loans on both speculative (unsold) and pre-sold properties. Commercial Loans and Consumer Loans: The company also originates non-mortgage loans, including commercial business and consumer loans. The company’s commercial business loans are limited to terms of five years or less. The company’s consumer loans are loans on deposits, automobile loans and various other installment loans. Investment Securities As of September 30, 2013, the company’s investment portfolio included tax free municipals; mortgage–backed securities; collateralized mortgage obligations; and private-label mortgage securities. Deposits The company offers a selection of deposit products, including checking, NOW, money market, regular savings and term certificate accounts. Regulations The company is a savings and loan holding company, and is required to file certain reports with, and is subject to examination by, and otherwise must comply with the rules and regulations of the Board of Governors of the Federal Reserve System (Federal Reserve Board). It is also subject to the rules and regulations of the Securities and Exchange Commission under the federal securities laws. The bank is a federal savings bank, examined and supervised by the Office of the Comptroller of the Currency (OCC) and is subject to examination by the Federal Deposit Insurance Corporation (FDIC). History Charter Financial Corporation was founded in 1954.

 

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Industry Analysis

CHFN

Industry Average

Valuation CHFN Industry Range
Price/Earnings 34.2x
Price/Sales 4.2x
Price/Book 0.9x
Price/Cash Flow 33.0x
TEV/Sales 2.4x
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