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11.25 (1y: +36%)
Market Cap 117.3 M P/E(ttm) 6.40
Enterprise Value 133.54 M P/B 1.38
MNRK- NAS (USA)
Monarch Financial Holdings, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$11.25
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.201
MNRK's Cash to Debt is ranked lower than
68% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. MNRK: 0.201 )
MNRK' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.2
Equity to Asset 0.071
MNRK's Equity to Asset is ranked lower than
75% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MNRK: 0.071 )
MNRK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.07
0.07
0.11
Interest Coverage No Debt
MNRK's Interest Coverage is ranked lower than
93% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. MNRK: No Debt )
MNRK' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.44
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 16.30
MNRK's Operating margin (%) is ranked lower than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. MNRK: 16.30 )
MNRK' s 10-Year Operating margin (%) Range
Min: 5.3   Max: 30.3
Current: 16.3
5.3
30.3
Net-margin (%) 9.8
MNRK's Net-margin (%) is ranked lower than
73% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. MNRK: 9.8 )
MNRK' s 10-Year Net-margin (%) Range
Min: 3.2   Max: 20.3
Current: 9.8
3.2
20.3
ROE (%) 14.7
MNRK's ROE (%) is ranked higher than
90% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. MNRK: 14.7 )
MNRK' s 10-Year ROE (%) Range
Min: 1.1   Max: 14.7
Current: 14.7
1.1
14.7
ROA (%) 1.1
MNRK's ROA (%) is ranked higher than
77% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. MNRK: 1.1 )
MNRK' s 10-Year ROA (%) Range
Min: 0.1   Max: 1.1
Current: 1.1
0.1
1.1
Revenue Growth (%) 11.2
MNRK's Revenue Growth (%) is ranked higher than
92% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 11.2 )
MNRK' s 10-Year Revenue Growth (%) Range
Min: 11.2   Max: 30.8
Current: 11.2
11.2
30.8
EBITDA Growth (%) 16.2
MNRK's EBITDA Growth (%) is ranked higher than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 16.2 )
MNRK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 45.2
Current: 16.2
0
45.2
EPS Growth (%) 22.8
MNRK's EPS Growth (%) is ranked higher than
88% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 22.8 )
MNRK' s 10-Year EPS Growth (%) Range
Min: -21.5   Max: 53.7
Current: 22.8
-21.5
53.7
ยป MNRK's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 6.40
MNRK's P/E(ttm) is ranked higher than
90% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. MNRK: 6.40 )
MNRK' s 10-Year P/E(ttm) Range
Min: 4.88   Max: 87.01
Current: 6.4
4.88
87.01
P/B 1.38
MNRK's P/B is ranked lower than
76% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. MNRK: 1.38 )
MNRK' s 10-Year P/B Range
Min: 0.4   Max: 2.75
Current: 1.38
0.4
2.75
P/S 0.53
MNRK's P/S is ranked higher than
90% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. MNRK: 0.53 )
MNRK' s 10-Year P/S Range
Min: 0.46   Max: 5.9
Current: 0.53
0.46
5.9
PFCF 0.48
MNRK's PFCF is ranked higher than
96% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. MNRK: 0.48 )
MNRK' s 10-Year PFCF Range
Min: 0.41   Max: 51.18
Current: 0.48
0.41
51.18
EV-to-EBIT 5.84
MNRK's EV-to-EBIT is ranked higher than
92% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. MNRK: 5.84 )
MNRK' s 10-Year EV-to-EBIT Range
Min: 1.1   Max: 77.8
Current: 5.84
1.1
77.8
PEG 0.17
MNRK's PEG is ranked higher than
94% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. MNRK: 0.17 )
MNRK' s 10-Year PEG Range
Min: 0.16   Max: 57.61
Current: 0.17
0.16
57.61
Shiller P/E 14.62
MNRK's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. MNRK: 14.62 )
MNRK' s 10-Year Shiller P/E Range
Min: 8.98   Max: 17.28
Current: 14.62
8.98
17.28

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.79
MNRK's Dividend Yield is ranked higher than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. MNRK: 1.79 )
MNRK' s 10-Year Dividend Yield Range
Min: 0.81   Max: 2.36
Current: 1.79
0.81
2.36
Dividend Payout 0.2
MNRK's Dividend Payout is ranked higher than
79% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. MNRK: 0.2 )
MNRK' s 10-Year Dividend Payout Range
Min: 0.13   Max: 0.19
Current: 0.2
0.13
0.19
Yield on cost (5-Year) 1.80
MNRK's Yield on cost (5-Year) is ranked higher than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. MNRK: 1.80 )
MNRK' s 10-Year Yield on cost (5-Year) Range
Min: 0.81   Max: 2.36
Current: 1.8
0.81
2.36
Share Buyback Rate -10.2
MNRK's Share Buyback Rate is ranked lower than
86% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. MNRK: -10.2 )
MNRK' s 10-Year Share Buyback Rate Range
Min: -3.9   Max: -14
Current: -10.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
MNRK's Price/Tangible Book is ranked lower than
68% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MNRK: 1.4 )
MNRK' s 10-Year Price/Tangible Book Range
Min: 0.6   Max: 2.1
Current: 1.4
0.6
2.1
Price/Median PS Value 0.6
MNRK's Price/Median PS Value is ranked higher than
92% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MNRK: 0.6 )
MNRK' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 4.1
Current: 0.6
0.4
4.1
Price/Peter Lynch Fair Value 0.3
MNRK's Price/Peter Lynch Fair Value is ranked higher than
98% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MNRK: 0.3 )
MNRK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.2   Max: 1.3
Current: 0.3
0.2
1.3
Price/Graham Number 0.7
MNRK's Price/Graham Number is ranked higher than
59% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MNRK: 0.7 )
MNRK' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 2.1
Current: 0.7
0.4
2.1
Earnings Yield (Greenblatt) 17.10
MNRK's Earnings Yield (Greenblatt) is ranked higher than
93% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. MNRK: 17.10 )
MNRK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 89.7
Current: 17.1
1.3
89.7
Forward Rate of Return (Yacktman) -12.6
MNRK's Forward Rate of Return (Yacktman) is ranked lower than
95% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. MNRK: -12.6 )
MNRK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -101.1   Max: 43.3
Current: -12.6
-101.1
43.3

Business Description

Monarch Financial Holdings, Inc. was created on June 1, 2006 through a reorganization plan, under the laws of the Commonwealth of Virginia, in which Monarch Bank became its wholly-owned subsidiary. Monarch Bank was incorporated on May 1, 1998 and opened for business on April 14, 1999 as a Virginia-chartered bank and a member of the Federal Reserve banking system. The Company is engaged in business and consumer banking, investment and insurance sales, and mortgage origination and brokerage. It conducts its operations through its wholly-owned subsidiary, Monarch Bank, and its two wholly-owned subsidiaries, Monarch Investment, LLC and Monarch Capital, LLC. It also does business in some markets as OBX Bank, Monarch Mortgage and under various names via joint ventures with other partners. Monarch Bank serves the needs of local businesses, professionals, corporate executives and individuals in the South Hampton Roads area of Southeastern Virginia and the Outer Banks region of Northeastern North Carolina. It operates eight banking offices, five residential mortgage offices and one investment services office in the cities of Chesapeake, Norfolk, Suffolk and Virginia Beach, Virginia. It has two full-service banking offices operating under the name "OBX Bank" and a residential mortgage office operating under the name of "OBX Bank Mortgage" in the Outer Banks region of Northeastern North Carolina in the towns of Kitty Hawk and Nags Head. It also operates fourteen additional residential mortgage offices outside of it main market areas. The Company's business banking group supports its business and commercial clients and offers both secured and unsecured commercial loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and the purchase of equipment and machinery, as well as loans secured by commercial real estate. This group also originates business deposits and related services. The Company's Real Estate Banking Group supports the delivery of residential and commercial real estate construction, acquisition and development loans, with the majority of its focus in the 1-4 family residential development markets of Hampton Roads and Northeastern North Carolina. This group supports this type of banking in all of its current markets. The Private Banking Group targets the financial needs of professionals and business executives, and provides custom tailored product and service solutions to its clients. It offers a full range of deposit services including checking accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to longer-term certificates of deposit. Consumer loans include home equity lines of credit and loans, professional lines of credit, secured and unsecured loans for financing automobiles, home improvements, education and personal investments. The Company's main market area includes South Hampton Road
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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