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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 7.14
MNRK's Cash to Debt is ranked higher than
84% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. MNRK: 7.14 )
MNRK' s 10-Year Cash to Debt Range
Min: 0.13   Max: 7.14
Current: 7.14

0.13
7.14
Equity to Asset 0.10
MNRK's Equity to Asset is ranked higher than
72% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MNRK: 0.10 )
MNRK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 3.87
MNRK's Interest Coverage is ranked higher than
87% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. MNRK: 3.87 )
MNRK' s 10-Year Interest Coverage Range
Min: 0.13   Max: 3.87
Current: 3.87

0.13
3.87
F-Score: 1
Z-Score: 0.32
WACC vs ROIC
3.77%
20.41%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.60
MNRK's Operating margin (%) is ranked higher than
59% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. MNRK: 16.60 )
MNRK' s 10-Year Operating margin (%) Range
Min: -295.95   Max: 30.32
Current: 16.6

-295.95
30.32
Net-margin (%) 10.43
MNRK's Net-margin (%) is ranked higher than
57% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. MNRK: 10.43 )
MNRK' s 10-Year Net-margin (%) Range
Min: 3.15   Max: 35.64
Current: 10.43

3.15
35.64
ROE (%) 10.67
MNRK's ROE (%) is ranked higher than
84% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. MNRK: 10.67 )
MNRK' s 10-Year ROE (%) Range
Min: 2.35   Max: 15.68
Current: 10.67

2.35
15.68
ROA (%) 1.05
MNRK's ROA (%) is ranked higher than
84% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MNRK: 1.05 )
MNRK' s 10-Year ROA (%) Range
Min: 0.21   Max: 1.21
Current: 1.05

0.21
1.21
ROC (Joel Greenblatt) (%) 57.07
MNRK's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. MNRK: 57.07 )
MNRK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.33   Max: 107.5
Current: 57.07

7.33
107.5
Revenue Growth (3Y)(%) -3.90
MNRK's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. MNRK: -3.90 )
MNRK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.9   Max: 98
Current: -3.9

-3.9
98
EBITDA Growth (3Y)(%) 8.40
MNRK's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. MNRK: 8.40 )
MNRK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 59.3
Current: 8.4

0
59.3
EPS Growth (3Y)(%) 19.70
MNRK's EPS Growth (3Y)(%) is ranked higher than
86% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. MNRK: 19.70 )
MNRK' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.2   Max: 66.5
Current: 19.7

-28.2
66.5
» MNRK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

MNRK Guru Trades in Q1 2014

Jim Simons 55,900 sh (+7.82%)
» More
Q2 2014

MNRK Guru Trades in Q2 2014

Jim Simons 63,753 sh (+14.05%)
» More
Q3 2014

MNRK Guru Trades in Q3 2014

Jim Simons 72,680 sh (+14%)
» More
Q4 2014

MNRK Guru Trades in Q4 2014

Jim Simons 79,000 sh (+8.7%)
» More
» Details

Insider Trades

Latest Guru Trades with MNRK

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



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.30
MNRK's P/E(ttm) is ranked higher than
87% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. MNRK: 12.30 )
MNRK' s 10-Year P/E(ttm) Range
Min: 5.9   Max: 82.91
Current: 12.3

5.9
82.91
Forward P/E 8.68
MNRK's Forward P/E is ranked higher than
94% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. MNRK: 8.68 )
N/A
PE(NRI) 12.30
MNRK's PE(NRI) is ranked higher than
87% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. MNRK: 12.30 )
MNRK' s 10-Year PE(NRI) Range
Min: 6.45   Max: 87.88
Current: 12.3

6.45
87.88
P/B 1.30
MNRK's P/B is ranked higher than
73% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. MNRK: 1.30 )
MNRK' s 10-Year P/B Range
Min: 0.53   Max: 2.58
Current: 1.3

0.53
2.58
P/S 1.30
MNRK's P/S is ranked higher than
96% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. MNRK: 1.30 )
MNRK' s 10-Year P/S Range
Min: 0.44   Max: 27.27
Current: 1.3

0.44
27.27
EV-to-EBIT 4.08
MNRK's EV-to-EBIT is ranked higher than
97% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. MNRK: 4.08 )
MNRK' s 10-Year EV-to-EBIT Range
Min: 3.4   Max: 153.9
Current: 4.08

3.4
153.9
PEG 0.43
MNRK's PEG is ranked higher than
97% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 0.43 )
MNRK' s 10-Year PEG Range
Min: 0.17   Max: 1.04
Current: 0.43

0.17
1.04
Shiller P/E 14.50
MNRK's Shiller P/E is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 14.50 )
MNRK' s 10-Year Shiller P/E Range
Min: 9.3   Max: 18.16
Current: 14.5

9.3
18.16
Days Sales Outstanding 84.40
MNRK's Days Sales Outstanding is ranked higher than
81% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 84.40 )
MNRK' s 10-Year Days Sales Outstanding Range
Min: 27.17   Max: 78.06
Current: 84.4

27.17
78.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
MNRK's Dividend Yield is ranked higher than
54% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. MNRK: 2.50 )
MNRK' s 10-Year Dividend Yield Range
Min: 0.81   Max: 2.53
Current: 2.5

0.81
2.53
Dividend Payout 0.29
MNRK's Dividend Payout is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. MNRK: 0.29 )
MNRK' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.42
Current: 0.29

0.11
0.42
Dividend growth (3y) 27.10
MNRK's Dividend growth (3y) is ranked higher than
93% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. MNRK: 27.10 )
MNRK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 27.1
Current: 27.1

0
27.1
Yield on cost (5-Year) 2.50
MNRK's Yield on cost (5-Year) is ranked higher than
54% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. MNRK: 2.50 )
MNRK' s 10-Year Yield on cost (5-Year) Range
Min: 0.81   Max: 2.53
Current: 2.5

0.81
2.53
Share Buyback Rate -13.70
MNRK's Share Buyback Rate is ranked higher than
57% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MNRK: -13.70 )
MNRK' s 10-Year Share Buyback Rate Range
Min: -4.7   Max: -22.5
Current: -13.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
MNRK's Price/Tangible Book is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. MNRK: 1.30 )
MNRK' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 2.4
Current: 1.3

0.55
2.4
Price/DCF (Projected) 7.50
MNRK's Price/DCF (Projected) is ranked higher than
73% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. MNRK: 7.50 )
MNRK' s 10-Year Price/DCF (Projected) Range
Min: 1.71   Max: 7.43
Current: 7.5

1.71
7.43
Price/Median PS Value 1.10
MNRK's Price/Median PS Value is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. MNRK: 1.10 )
MNRK' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 18.42
Current: 1.1

0.4
18.42
Price/Peter Lynch Fair Value 1.00
MNRK's Price/Peter Lynch Fair Value is ranked higher than
95% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. MNRK: 1.00 )
MNRK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 2.49
Current: 1

0.26
2.49
Price/Graham Number 0.80
MNRK's Price/Graham Number is ranked higher than
84% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MNRK: 0.80 )
MNRK' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 2.59
Current: 0.8

0.35
2.59
Earnings Yield (Greenblatt) 24.30
MNRK's Earnings Yield (Greenblatt) is ranked higher than
96% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MNRK: 24.30 )
MNRK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 29.3
Current: 24.3

0.6
29.3
Forward Rate of Return (Yacktman) -14.06
MNRK's Forward Rate of Return (Yacktman) is ranked higher than
52% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. MNRK: -14.06 )
MNRK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -103.6   Max: 38.5
Current: -14.06

-103.6
38.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 Bank Private Wealth, 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 Hampton Roads South Hampton Roads area of Southeastern Virginia and the Outer Banks region of Northeastern North Carolina. It operate eleven banking offices, one commercial lending office and eleven residential mortgage offices in the cities of Chesapeake, Norfolk, Newport News, Williamsburg 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 thirty-three additional residential mortgage offices outside of its 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 Finance 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 markets. The Commercial Real Estate Finance Group specializing in underwriting commercial real estate loans, which are either financed for its balance sheet or brokered to other investors. Non-owner occupied income producing real estate loans require a specialized approach to underwriting, structuring, and pricing. Its newly formed Private Wealth Group specializes in serving the needs of high net worth individuals. The Company formed this group to ensure proper risk management and customer relationships are retained with those clients that expect an experienced and well equipped banki
» More Articles for MNRK

Headlines

Articles On GuruFocus.com
comment on MNRK May 26 2013 
Weekly CEO Buys Highlight: WINA, AROW, HBAN, ANCX, MNRK Apr 28 2013 
Monarch Financial Holdings Inc. (MNRK) CEO William F Jr Rountree buys 7,001 Shares Jan 13 2010 

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Monarch Bank Awarded Best Places to Work in Virginia for Second Year Dec 18 2014
MONARCH FINANCIAL HOLDINGS, INC. Financials Nov 15 2014
MONARCH FINANCIAL HOLDINGS, INC. Files SEC form 10-Q, Quarterly Report Nov 06 2014
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