Ratios

		vs industry	vs history
P/E(ttm)	0.50	CRBC's P/E(ttm) is ranked higher than 97% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 13.43 vs. CRBC: 0.50 )	CRBC' s 10-Year P/E(ttm) Range Min: 0.5   Max: 277.4 Current: 0.5 0.5 277.4
P/B	0.13	CRBC's P/B is ranked higher than 79% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. CRBC: 0.13 )	CRBC' s 10-Year P/B Range Min: 0.05   Max: 2.31 Current: 0.13 0.05 2.31
P/S	0.43	CRBC's P/S is ranked higher than 57% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. CRBC: 0.43 )	CRBC' s 10-Year P/S Range Min: 0.15   Max: 4.09 Current: 0.43 0.15 4.09
PFCF	1.20	CRBC's PFCF is ranked higher than 59% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 6.70 vs. CRBC: 1.20 )	CRBC' s 10-Year PFCF Range Min: 0.32   Max: 16.04 Current: 1.2 0.32 16.04
EV-to-EBIT	20.77	CRBC's EV-to-EBIT is ranked higher than 55% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 16.90 vs. CRBC: 20.77 )	CRBC' s 10-Year EV-to-EBIT Range Min: 11.7   Max: 170.3 Current: 20.77 11.7 170.3
Shiller P/E	27.3	CRBC's Shiller P/E is ranked higher than 97% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.60 vs. CRBC: 27.3 )	CRBC' s 10-Year Shiller P/E Range Min: 1.04   Max: 27.3 Current: 27.3 1.04 27.3

Valuation & Return

		vs industry	vs history
Price/Tangible Book	0.2	CRBC's Price/Tangible Book is ranked lower than 57% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.00 vs. CRBC: 0.2 )	CRBC' s 10-Year Price/Tangible Book Range Min: 0.1   Max: 2.5 Current: 0.2 0.1 2.5
Price/DCF (Projected)	0.1	CRBC's Price/DCF (Projected) is ranked higher than 54% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.50 vs. CRBC: 0.1 )	CRBC' s 10-Year Price/DCF (Projected) Range Min: 0.1   Max: 0.8 Current: 0.1 0.1 0.8
Price/Median PS Value	0.2	CRBC's Price/Median PS Value is ranked higher than 76% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. CRBC: 0.2 )	CRBC' s 10-Year Price/Median PS Value Range Min: 0.1   Max: 1.5 Current: 0.2 0.1 1.5
Price/Graham Number	0.1	CRBC's Price/Graham Number is ranked lower than 56% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. CRBC: 0.1 )	CRBC' s 10-Year Price/Graham Number Range Min: 0.3   Max: 1.9 Current: 0.1 0.3 1.9
Earnings Yield (Greenblatt)	4.80	CRBC's Earnings Yield (Greenblatt) is ranked higher than 64% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. CRBC: 4.80 )	CRBC' s 10-Year Earnings Yield (Greenblatt) Range Min: 0.6   Max: 8.5 Current: 4.8 0.6 8.5
Forward Rate of Return (Yacktman)	209.26	CRBC's Forward Rate of Return (Yacktman) is ranked higher than 83% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.01 vs. CRBC: 209.26 )	CRBC' s 10-Year Forward Rate of Return (Yacktman) Range Min: -14.5   Max: 100.3 Current: 209.26 -14.5 100.3

Business Description

Citizens Republic Bancorp, Inc., incorporated in the State of Michigan in 1980, is a banking and financial services company that is registered as a bank holding company. The Company provides a range of banking and financial services to individuals and businesses through its subsidiaries Citizens Bank and F&M Bank- Iowa. These services include deposit products, loan products, and other consumer-oriented financial services such as safe deposit and night depository facilities, and Automated Teller Machines. Among the services designed specifically to meet the needs of businesses are various types of specialized financing, treasury management services, and transfer/collection facilities. The Company also provides wealth management services through Citizens Bank Wealth Management, N.A., and through the affiliate trust department of F&M. Citizens' performance is monitored by an internal profitability measurement system that provides line of business results and key performance measures. The Company operates along five major business lines: Regional Banking, Specialty Consumer, Specialty Commercial, Wealth Management, and Other. The Regional Banking, Specialty Consumer, and Specialty Commercial business lines are involved in lending activity. Lending involves credit risk which is controlled and monitored through active asset quality management, the use of lending standards, and thorough review of potential borrowers. The Company's banking subsidiaries compete with other commercial banks, many of which are subsidiaries of other bank holding companies, for loans, deposits, trust accounts and other business on the basis of interest rates, fees, convenience and quality of service. The banking industry is subject to extensive state and federal regulation and continues to undergo significant change and Holding Company is a bank holding company registered with the Federal Reserve Board and is subject to regulation under the Bank Holding Company Act.
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Industry:	Banks - Regional - US
Compare:	MTB, USB, PNC, PB, CFR

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