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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 3.70
FRBK's Cash to Debt is ranked higher than
82% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. FRBK: 3.70 )
FRBK' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 3.7

Equity to Asset 0.11
FRBK's Equity to Asset is ranked higher than
76% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FRBK: 0.11 )
FRBK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.11

0.06
0.11
F-Score: 4
Z-Score: 0.07
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) -8.40
FRBK's Operating margin (%) is ranked lower than
53% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. FRBK: -8.40 )
FRBK' s 10-Year Operating margin (%) Range
Min: -64.25   Max: 40.82
Current: -8.4

-64.25
40.82
Net-margin (%) -8.32
FRBK's Net-margin (%) is ranked lower than
53% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. FRBK: -8.32 )
FRBK' s 10-Year Net-margin (%) Range
Min: -60.76   Max: 38.34
Current: -8.32

-60.76
38.34
ROE (%) -5.53
FRBK's ROE (%) is ranked lower than
53% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FRBK: -5.53 )
FRBK' s 10-Year ROE (%) Range
Min: -38.09   Max: 14.67
Current: -5.53

-38.09
14.67
ROA (%) -0.36
FRBK's ROA (%) is ranked lower than
53% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FRBK: -0.36 )
FRBK' s 10-Year ROA (%) Range
Min: -2.36   Max: 1.24
Current: -0.36

-2.36
1.24
ROC (Joel Greenblatt) (%) -15.45
FRBK's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. FRBK: -15.45 )
FRBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -72.13   Max: 571.43
Current: -15.45

-72.13
571.43
Revenue Growth (%) -2.90
FRBK's Revenue Growth (%) is ranked higher than
64% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FRBK: -2.90 )
FRBK' s 10-Year Revenue Growth (%) Range
Min: -18.2   Max: 13.5
Current: -2.9

-18.2
13.5
EBITDA Growth (%) -60.10
FRBK's EBITDA Growth (%) is ranked lower than
51% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FRBK: -60.10 )
FRBK' s 10-Year EBITDA Growth (%) Range
Min: -80.6   Max: 79.7
Current: -60.1

-80.6
79.7
EPS Growth (%) -38.90
FRBK's EPS Growth (%) is ranked higher than
52% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. FRBK: -38.90 )
FRBK' s 10-Year EPS Growth (%) Range
Min: -38.9   Max: 187.4
Current: -38.9

-38.9
187.4
» FRBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

FRBK Guru Trades in Q3 2013

Jim Simons 221,500 sh (+16.52%)
» More
Q4 2013

FRBK Guru Trades in Q4 2013

Jim Simons 230,200 sh (+3.93%)
» More
Q1 2014

FRBK Guru Trades in Q1 2014

Jim Simons 238,919 sh (+3.79%)
» More
Q2 2014

FRBK Guru Trades in Q2 2014

Jim Simons 283,896 sh (+18.83%)
» More
» Details

Insider Trades

Latest Guru Trades with FRBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 1.52
FRBK's P/B is ranked higher than
56% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FRBK: 1.52 )
FRBK' s 10-Year P/B Range
Min: 0.4   Max: 2.21
Current: 1.52

0.4
2.21
P/S 3.02
FRBK's P/S is ranked higher than
65% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. FRBK: 3.02 )
FRBK' s 10-Year P/S Range
Min: 0.62   Max: 14.88
Current: 3.02

0.62
14.88
EV-to-EBIT -37.22
FRBK's EV-to-EBIT is ranked higher than
54% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. FRBK: -37.22 )
FRBK' s 10-Year EV-to-EBIT Range
Min: 6.1   Max: 146.8
Current: -37.22

6.1
146.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.52
FRBK's Price/Tangible Book is ranked higher than
68% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. FRBK: 1.52 )
FRBK' s 10-Year Price/Tangible Book Range
Min: 0.39   Max: 2.17
Current: 1.52

0.39
2.17
Price/DCF (Projected) 1.75
FRBK's Price/DCF (Projected) is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FRBK: 1.75 )
FRBK' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 1.97
Current: 1.75

0.15
1.97
Price/Median PS Value 1.20
FRBK's Price/Median PS Value is ranked higher than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FRBK: 1.20 )
FRBK' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 5.97
Current: 1.2

0.27
5.97
Earnings Yield (Greenblatt) 0.40
FRBK's Earnings Yield (Greenblatt) is ranked lower than
58% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FRBK: 0.40 )
FRBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 16.4
Current: 0.4

0.7
16.4
Forward Rate of Return (Yacktman) -1.79
FRBK's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. FRBK: -1.79 )
FRBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1   Max: 26.6
Current: -1.79

1
26.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Republic First Bancorp, Inc., was organized and incorporated under the laws of the Commonwealth of Pennsylvania in 1987 to be the holding company for Republic First Bank. The Company offers a range of competitively priced banking products and services, including consumer and commercial deposit accounts, checking accounts, interest-bearing demand accounts, money market accounts, certificates of deposit, savings accounts, sweep accounts, lockbox services and individual retirement accounts (and other traditional banking services), secured and unsecured commercial loans, real estate loans, construction and land development loans, automobile loans, home improvement loans, mortgages, home equity and overdraft lines of credit, and other products. It attempts to offer a high level of personalized service to both its retail and commercial customers. It is a member of the STAR and PLUS automated teller (ATM) networks, which enable it to provide its customers with access to ATMs worldwide. It currently has thirteen proprietary ATMs located in its store network. Its main competitors include Wells Fargo, Citizens, PNC, Sovereign, TD Bank and Bank of America, as well as local community banks. In addition, it compete directly with savings banks, savings and loan associations, finance companies, credit unions, factors, mortgage brokers, insurance companies, securities brokerage firms, mutual funds, money market funds, private lenders and other institutions for deposits, commercial loans, mortgages and consumer loans, as well as other services. The Company is a bank holding company subject to supervision and regulation by the Board of Governors of the Federal Reserve System.
» More Articles for FRBK

Headlines

Articles On GuruFocus.com
Republic First Bancorp Inc. Reports Operating Results (10-Q) Aug 06 2010 
Weekly CFO Buys Highlight: The Pep BoysManny Moe & Jack, ProLogis, Republic First Bancorp Inc., Gene Jul 03 2010 
Republic First Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2009 
Republic First Bancorp Inc. Reports Operating Results (10-Q) Aug 07 2009 
Republic First Bancorp Inc. Reports Operating Results (10-Q) May 09 2009 
Weekly CEO Buys Highlight: Kronos Worldwide Inc., American Spectrum Realty Inc., StoneMor Partners L Jan 13 2008 
Weekly Top CEO Buys: General Electric Company, Republic First Bancorp Inc., MGIC Investment Corp., Q Oct 30 2007 
Michael Price Buys Delta Air Lines, SLM Corp., Encore Capital Group Inc., Sells TD Banknorth Inc., U Aug 14 2007 

More From Other Websites
REPUBLIC FIRST BANCORP INC Financials Aug 19 2014
Republic First Bancorp, Inc. Reports Earnings For Second Quarter 2014 Jul 21 2014
Republic Bank Opens Its Newly-Expanded Flagship Store in Center City Philadelphia Jun 25 2014
Republic Bank Hires New Store Manager for Plymouth Meeting and Abington Stores Jun 17 2014
Republic First Bancorp files to sell 11.84M shares of common stock for holders May 16 2014
Republic First Bancorp Inc.: 64% Growth Led By A Banking Legend May 14 2014
Republic Bank Opens New Store in Voorhees, N.J. May 12 2014
REPUBLIC FIRST BANCORP INC Files SEC form 10-Q, Quarterly Report May 09 2014
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 30 2014
Republic Bank Hires Store Manager for New Revolutionary Banking Store in Voorhees, N.J. Apr 29 2014
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 23 2014
Republic First Bancorp, Inc. Reports Earnings For First Quarter 2014 Apr 23 2014
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 22 2014
Republic First Bancorp, Inc. Completes $45 Million Private Placement Of Its Common Stock Apr 22 2014
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 24 2014
Republic First Bancorp, Inc. Reports Financial Results For 2013 Mar 21 2014
Republic First Bancorp, Inc. Reports Financial Results For 2013 Mar 21 2014
Republic Bank Opens Revolutionary Banking Store in Cherry Hill, N.J. Mar 06 2014
Republic Bank Opens Revolutionary Banking Store in Cherry Hill, N.J. Mar 06 2014
Republic Bank Hires New Store Manager Nov 20 2013

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