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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

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 : 3/10

» FRFC's 10-Y Financials


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

» Details

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Dividend & Buy Back

Dividend Yield 2.31
FRFC's Dividend Yield is ranked lower than
54% of the 2323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.71 vs. FRFC: 2.31 )
Ranked among companies with meaningful Dividend Yield only.
FRFC' s 10-Year Dividend Yield Range
Min: 0  Med: 0.00 Max: 2.51
Current: 2.31
Dividend Payout 0.20
FRFC's Dividend Payout is ranked higher than
76% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FRFC: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
FRFC' s 10-Year Dividend Payout Range
Min: 0  Med: 0.00 Max: 0
Current: 0.2
Forward Dividend Yield 3.60
FRFC's Forward Dividend Yield is ranked higher than
66% of the 2039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. FRFC: 3.60 )
Ranked among companies with meaningful Forward Dividend Yield only.
Yield on cost (5-Year) 2.31
FRFC's Yield on cost (5-Year) is ranked lower than
59% of the 2320 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FRFC: 2.31 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FRFC' s 10-Year Yield on cost (5-Year) Range
Min: 0  Med: 0.00 Max: 2.51
Current: 2.31

Valuation & Return


Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
First Robinson Financial Corp was incorporated under the laws of the State of Delaware in March 1997, under the direction of the Board of Directors of First Robinson Savings and Loan Association, the predecessor institution to First Robinson Savings Bank, National Association for the purpose of serving as a holding company of the Bank. The Company's main activity is the ownership and management of its wholly-owned subsidiary, First Robinson Savings Bank, N.A. The Bank is mainly engaged in providing a range of banking and financial services to individual and corporate customers in Crawford and surrounding counties in Illinois and Knox and surrounding counties in Indiana. The main business of the Bank has historically consisted of attracting retail deposits from the general public and mainly investing those funds in one- to four-family residential real estate loans and, to a lesser extent, consumer loans, commercial and agricultural real estate loans and commercial business and agricultural finance loans. At March 31, 2009, all of the Bank's real estate mortgage loans, were secured by properties located in the Bank's market area. The Bank also invests in investment and equity securities and mortgage-backed securities, and other permissible investments. The Bank currently offers a variety of deposit accounts having a range of interest rates and terms. The Bank's deposits include statement savings, NOW accounts, certificate accounts, IRA accounts, limited accounts and non-interest bearing accounts. The Bank generally solicits deposits in its main market area. The Bank does not accept any brokered deposits. The Bank's revenues are derived mainly from interest income, including interest on loans, deposits in other banks and mortgage-backed securities and other investments. The Bank currently has four offices in Crawford County, Illinois, consisting of three full service offices and one drive-up, located in Robinson, Palestine and Oblong, Illinois. The Bank is subject to competition from other financial institutions. The Company and the Bank are subject to the regulation of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.
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