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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.39
FRBK's Cash to Debt is ranked lower than
72% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FRBK: 0.39 )
Ranked among companies with meaningful Cash to Debt only.
FRBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.22 Max: No Debt
Current: 0.39
Equity to Asset 0.08
FRBK's Equity to Asset is ranked lower than
70% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FRBK: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
FRBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.11
Current: 0.08
0.06
0.11
Interest Coverage 0.45
FRBK's Interest Coverage is ranked lower than
82% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. FRBK: 0.45 )
Ranked among companies with meaningful Interest Coverage only.
FRBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 0.53 Max: 0.82
Current: 0.45
0.27
0.82
F-Score: 6
WACC vs ROIC
8.39%
5.50%
WACC
ROIC
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 (%) 4.81
FRBK's Operating margin (%) is ranked lower than
91% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. FRBK: 4.81 )
Ranked among companies with meaningful Operating margin (%) only.
FRBK' s Operating margin (%) Range Over the Past 10 Years
Min: -64.25  Med: 0.66 Max: 40.82
Current: 4.81
-64.25
40.82
Net-margin (%) 4.87
FRBK's Net-margin (%) is ranked lower than
91% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. FRBK: 4.87 )
Ranked among companies with meaningful Net-margin (%) only.
FRBK' s Net-margin (%) Range Over the Past 10 Years
Min: -60.76  Med: 2.00 Max: 27.14
Current: 4.87
-60.76
27.14
ROE (%) 2.14
FRBK's ROE (%) is ranked lower than
87% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FRBK: 2.14 )
Ranked among companies with meaningful ROE (%) only.
FRBK' s ROE (%) Range Over the Past 10 Years
Min: -32.29  Med: 1.10 Max: 14.62
Current: 2.14
-32.29
14.62
ROA (%) 0.19
FRBK's ROA (%) is ranked lower than
87% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FRBK: 0.19 )
Ranked among companies with meaningful ROA (%) only.
FRBK' s ROA (%) Range Over the Past 10 Years
Min: -2.57  Med: 0.09 Max: 1.13
Current: 0.19
-2.57
1.13
Revenue Growth (3Y)(%) -6.80
FRBK's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FRBK: -6.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FRBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.2  Med: 0.35 Max: 13.5
Current: -6.8
-18.2
13.5
» FRBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

FRBK Guru Trades in Q1 2015

Jim Simons 283,300 sh (+5.16%)
» More
Q2 2015

FRBK Guru Trades in Q2 2015

Jim Simons 455,117 sh (+60.65%)
» More
Q3 2015

FRBK Guru Trades in Q3 2015

Jim Simons 345,900 sh (-24.00%)
» More
Q4 2015

FRBK Guru Trades in Q4 2015

Jim Simons 319,440 sh (-7.65%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 64.36
FRBK's P/E(ttm) is ranked lower than
97% of the 2083 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. FRBK: 64.36 )
Ranked among companies with meaningful P/E(ttm) only.
FRBK' s P/E(ttm) Range Over the Past 10 Years
Min: 9.08  Med: 14.46 Max: 112.33
Current: 64.36
9.08
112.33
Forward P/E 33.33
FRBK's Forward P/E is ranked lower than
99% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.52 vs. FRBK: 33.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 64.36
FRBK's PE(NRI) is ranked lower than
96% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. FRBK: 64.36 )
Ranked among companies with meaningful PE(NRI) only.
FRBK' s PE(NRI) Range Over the Past 10 Years
Min: 9.08  Med: 15.61 Max: 168.5
Current: 64.36
9.08
168.5
P/B 1.29
FRBK's P/B is ranked lower than
75% of the 2114 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FRBK: 1.29 )
Ranked among companies with meaningful P/B only.
FRBK' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.13 Max: 2.02
Current: 1.29
0.4
2.02
P/S 3.18
FRBK's P/S is ranked lower than
66% of the 2513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. FRBK: 3.18 )
Ranked among companies with meaningful P/S only.
FRBK' s P/S Range Over the Past 10 Years
Min: 0.62  Med: 2.19 Max: 7.32
Current: 3.18
0.62
7.32
POCF 27.57
FRBK's POCF is ranked lower than
91% of the 1445 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.26 vs. FRBK: 27.57 )
Ranked among companies with meaningful POCF only.
FRBK' s POCF Range Over the Past 10 Years
Min: 3.28  Med: 13.52 Max: 184
Current: 27.57
3.28
184
EV-to-EBIT 23.85
FRBK's EV-to-EBIT is ranked lower than
81% of the 2044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. FRBK: 23.85 )
Ranked among companies with meaningful EV-to-EBIT only.
FRBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -165  Med: 9.10 Max: 146.8
Current: 23.85
-165
146.8
EV-to-EBITDA 11.41
FRBK's EV-to-EBITDA is ranked lower than
55% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. FRBK: 11.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
FRBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -94.8  Med: 9.45 Max: 2192.1
Current: 11.41
-94.8
2192.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
FRBK's Price/Tangible Book is ranked lower than
68% of the 1932 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FRBK: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
FRBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.46  Med: 1.16 Max: 1.94
Current: 1.29
0.46
1.94
Price/Projected FCF 1.71
FRBK's Price/Projected FCF is ranked lower than
92% of the 1071 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FRBK: 1.71 )
Ranked among companies with meaningful Price/Projected FCF only.
FRBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.83 Max: 1.91
Current: 1.71
0.16
1.91
Price/Median PS Value 1.41
FRBK's Price/Median PS Value is ranked lower than
84% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FRBK: 1.41 )
Ranked among companies with meaningful Price/Median PS Value only.
FRBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.26  Med: 0.86 Max: 6.48
Current: 1.41
0.26
6.48
Price/Peter Lynch Fair Value 5.15
FRBK's Price/Peter Lynch Fair Value is ranked lower than
99.99% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FRBK: 5.15 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FRBK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.38  Med: 1.02 Max: 5.34
Current: 5.15
0.38
5.34
Price/Graham Number 1.92
FRBK's Price/Graham Number is ranked lower than
93% of the 1720 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FRBK: 1.92 )
Ranked among companies with meaningful Price/Graham Number only.
FRBK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.98 Max: 2.95
Current: 1.92
0.42
2.95
Earnings Yield (Greenblatt) (%) 4.15
FRBK's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FRBK: 4.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FRBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 7.10 Max: 488.6
Current: 4.15
0.7
488.6
Forward Rate of Return (Yacktman) (%) 18.21
FRBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FRBK: 18.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FRBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8  Med: 4.70 Max: 25.3
Current: 18.21
-8
25.3

More Statistics

Revenue(Mil) $50
EPS $ 0.06
Beta0.64
Short Percentage of Float1.43%
52-Week Range $3.27 - 4.67
Shares Outstanding(Mil)37.82

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.09 0.12
EPS without NRI($) 0.09 0.12

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 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, 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. Republic offers a variety of credit and depository banking services in the Greater Philadelphia and Southern New Jersey area through their offices and branches in Philadelphia, Montgomery, and Delaware Counties in Pennsylvania and Camden County, New Jersey. It currently has fifteen proprietary ATMs located in its store network. Its 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 

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