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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 7.06
FRBK's Cash to Debt is ranked higher than
65% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. FRBK: 7.06 )
Ranked among companies with meaningful Cash to Debt only.
FRBK' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 7.06

Equity to Asset 0.09
FRBK's Equity to Asset is ranked lower than
59% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FRBK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FRBK' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.09

0.06
0.11
Interest Coverage 0.52
FRBK's Interest Coverage is ranked lower than
80% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. FRBK: 0.52 )
Ranked among companies with meaningful Interest Coverage only.
FRBK' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.82
Current: 0.52

0.11
0.82
F-Score: 4
Z-Score: 0.08
WACC vs ROIC
12.64%
9.24%
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 (%) 4.98
FRBK's Operating margin (%) is ranked lower than
89% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. FRBK: 4.98 )
Ranked among companies with meaningful Operating margin (%) only.
FRBK' s 10-Year Operating margin (%) Range
Min: -64.25   Max: 40.82
Current: 4.98

-64.25
40.82
Net-margin (%) 4.99
FRBK's Net-margin (%) is ranked lower than
89% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. FRBK: 4.99 )
Ranked among companies with meaningful Net-margin (%) only.
FRBK' s 10-Year Net-margin (%) Range
Min: -60.76   Max: 38.34
Current: 4.99

-60.76
38.34
ROE (%) 2.15
FRBK's ROE (%) is ranked lower than
87% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. FRBK: 2.15 )
Ranked among companies with meaningful ROE (%) only.
FRBK' s 10-Year ROE (%) Range
Min: -32.29   Max: 14.7
Current: 2.15

-32.29
14.7
ROA (%) 0.20
FRBK's ROA (%) is ranked lower than
86% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FRBK: 0.20 )
Ranked among companies with meaningful ROA (%) only.
FRBK' s 10-Year ROA (%) Range
Min: -2.57   Max: 1.3
Current: 0.2

-2.57
1.3
ROC (Joel Greenblatt) (%) 7.14
FRBK's ROC (Joel Greenblatt) (%) is ranked lower than
86% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. FRBK: 7.14 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FRBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -67.39   Max: 408
Current: 7.14

-67.39
408
Revenue Growth (3Y)(%) -6.80
FRBK's Revenue Growth (3Y)(%) is ranked lower than
80% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FRBK: -6.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FRBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -18.2   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

Q2 2014

FRBK Guru Trades in Q2 2014

Jim Simons 283,896 sh (+18.83%)
» More
Q3 2014

FRBK Guru Trades in Q3 2014

Jim Simons 283,112 sh (-0.28%)
» More
Q4 2014

FRBK Guru Trades in Q4 2014

Jim Simons 269,403 sh (-4.84%)
» More
Q1 2015

FRBK Guru Trades in Q1 2015

Jim Simons 283,300 sh (+5.16%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 56.80
FRBK's P/E(ttm) is ranked lower than
96% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. FRBK: 56.80 )
Ranked among companies with meaningful P/E(ttm) only.
FRBK' s 10-Year P/E(ttm) Range
Min: 9.08   Max: 134.8
Current: 56.8

9.08
134.8
Forward P/E 26.88
FRBK's Forward P/E is ranked lower than
93% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. FRBK: 26.88 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 58.50
FRBK's PE(NRI) is ranked lower than
95% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. FRBK: 58.50 )
Ranked among companies with meaningful PE(NRI) only.
FRBK' s 10-Year PE(NRI) Range
Min: 9.08   Max: 168.5
Current: 58.5

9.08
168.5
P/B 1.20
FRBK's P/B is ranked lower than
56% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FRBK: 1.20 )
Ranked among companies with meaningful P/B only.
FRBK' s 10-Year P/B Range
Min: 0.4   Max: 2.03
Current: 1.2

0.4
2.03
P/S 3.10
FRBK's P/S is ranked lower than
54% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. FRBK: 3.10 )
Ranked among companies with meaningful P/S only.
FRBK' s 10-Year P/S Range
Min: 0.62   Max: 17.46
Current: 3.1

0.62
17.46
POCF 70.20
FRBK's POCF is ranked lower than
96% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. FRBK: 70.20 )
Ranked among companies with meaningful POCF only.
FRBK' s 10-Year POCF Range
Min: 3.51   Max: 184
Current: 70.2

3.51
184
Days Sales Outstanding 27.98
FRBK's Days Sales Outstanding is ranked higher than
63% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. FRBK: 27.98 )
Ranked among companies with meaningful Days Sales Outstanding only.
FRBK' s 10-Year Days Sales Outstanding Range
Min: 26.6   Max: 55.76
Current: 27.98

26.6
55.76

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
FRBK's Price/Tangible Book is ranked higher than
56% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FRBK: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
FRBK' s 10-Year Price/Tangible Book Range
Min: 0.39   Max: 2.17
Current: 1.2

0.39
2.17
Price/DCF (Projected) 1.80
FRBK's Price/DCF (Projected) is ranked lower than
86% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. FRBK: 1.80 )
Ranked among companies with meaningful Price/DCF (Projected) only.
FRBK' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 1.91
Current: 1.8

0.16
1.91
Price/Median PS Value 1.10
FRBK's Price/Median PS Value is ranked higher than
56% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FRBK: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
FRBK' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 6.45
Current: 1.1

0.26
6.45
Price/Graham Number 1.80
FRBK's Price/Graham Number is ranked lower than
92% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FRBK: 1.80 )
Ranked among companies with meaningful Price/Graham Number only.
FRBK' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 2.59
Current: 1.8

0.42
2.59
Earnings Yield (Greenblatt) -63.50
FRBK's Earnings Yield (Greenblatt) is ranked lower than
99% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FRBK: -63.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
FRBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: -64.6   Max: 488.6
Current: -63.5

-64.6
488.6
Forward Rate of Return (Yacktman) 22.37
FRBK's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. FRBK: 22.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
FRBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8   Max: 25.3
Current: 22.37

-8
25.3

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, 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 mainly 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 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 upgraded by Sandler O'Neill May 28 2015
REPUBLIC FIRST BANCORP INC Financials May 16 2015
Republic Bank Hires New VP Commercial Real Estate Lending for Pennsylvania May 14 2015
Republic Bank Hires New VP Commercial Real Estate Lending for Pennsylvania May 14 2015
10-Q for Republic First Bancorp, Inc. May 10 2015
REPUBLIC FIRST BANCORP INC Files SEC form 10-Q, Quarterly Report May 08 2015
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 07 2015
Republic Bank Hires Jackson Taylor as Vice President Commercial Lender for Pennsylvania May 06 2015
Republic Bank Hires Jackson Taylor as Vice President Commercial Lender for Pennsylvania May 06 2015
10-K for Republic First Bancorp, Inc. May 05 2015
Republic Bank's Pennsylvania Commercial Lending Team Continues to Grow Apr 29 2015
Republic Bank's Pennsylvania Commercial Lending Team Continues to Grow Apr 29 2015
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 20 2015
Republic First posts 1Q profit Apr 20 2015
Republic First posts 1Q profit Apr 20 2015
Republic First Bancorp, Inc. Reports Asset Growth Of 30%; Deposits Increase By 27% Apr 20 2015
Republic Bank Hires Assistant Vice President and Manager for 16th and Market Store Mar 25 2015
Republic Bank Hires Assistant Vice President and Manager for 16th and Market Store Mar 25 2015
REPUBLIC FIRST BANCORP INC Files SEC form 8-K, Financial Statements and Exhibits Mar 20 2015
REPUBLIC FIRST BANCORP INC Files SEC form 10-K, Annual Report Mar 13 2015

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