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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 : 7/10

vs
industry
vs
history
Cash to Debt 2.79
MNRK's Cash to Debt is ranked higher than
54% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. MNRK: 2.79 )
Ranked among companies with meaningful Cash to Debt only.
MNRK' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.48 Max: N/A
Current: 2.79
Equity to Asset 0.10
MNRK's Equity to Asset is ranked lower than
52% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MNRK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
MNRK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.1
0.07
0.12
Interest Coverage 6.67
MNRK's Interest Coverage is ranked higher than
86% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. MNRK: 6.67 )
Ranked among companies with meaningful Interest Coverage only.
MNRK' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 0.92 Max: 4.9
Current: 6.67
0.13
4.9
F-Score: 4
WACC vs ROIC
4.04%
23.28%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 16.23
MNRK's Operating margin (%) is ranked lower than
81% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. MNRK: 16.23 )
Ranked among companies with meaningful Operating margin (%) only.
MNRK' s Operating margin (%) Range Over the Past 10 Years
Min: 5.34  Med: 16.57 Max: 30.32
Current: 16.23
5.34
30.32
Net-margin (%) 10.22
MNRK's Net-margin (%) is ranked lower than
84% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. MNRK: 10.22 )
Ranked among companies with meaningful Net-margin (%) only.
MNRK' s Net-margin (%) Range Over the Past 10 Years
Min: 3.15  Med: 9.99 Max: 20.33
Current: 10.22
3.15
20.33
ROE (%) 11.70
MNRK's ROE (%) is ranked higher than
73% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. MNRK: 11.70 )
Ranked among companies with meaningful ROE (%) only.
MNRK' s ROE (%) Range Over the Past 10 Years
Min: 2.3  Med: 8.61 Max: 13.97
Current: 11.7
2.3
13.97
ROA (%) 1.16
MNRK's ROA (%) is ranked higher than
71% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MNRK: 1.16 )
Ranked among companies with meaningful ROA (%) only.
MNRK' s ROA (%) Range Over the Past 10 Years
Min: 0.21  Med: 0.81 Max: 1.21
Current: 1.16
0.21
1.21
Revenue Growth (3Y)(%) 4.70
MNRK's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. MNRK: 4.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MNRK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.9  Med: 25.40 Max: 97.3
Current: 4.7
-3.9
97.3
EBITDA Growth (3Y)(%) 15.70
MNRK's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. MNRK: 15.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MNRK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 17.75 Max: 62
Current: 15.7
0
62
EPS Growth (3Y)(%) 24.30
MNRK's EPS Growth (3Y)(%) is ranked higher than
81% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. MNRK: 24.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MNRK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.5  Med: 26.70 Max: 66.1
Current: 24.3
-27.5
66.1
» MNRK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

MNRK Guru Trades in Q1 2015

Jim Simons 95,500 sh (+20.89%)
» More
Q2 2015

MNRK Guru Trades in Q2 2015

Jim Simons 114,198 sh (+19.58%)
» More
Q3 2015

MNRK Guru Trades in Q3 2015

Jim Simons 126,600 sh (+21.95%)
» More
Q4 2015

MNRK Guru Trades in Q4 2015

Jim Simons 158,879 sh (+14.09%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.04
MNRK's P/E(ttm) is ranked lower than
58% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. MNRK: 13.04 )
Ranked among companies with meaningful P/E(ttm) only.
MNRK' s P/E(ttm) Range Over the Past 10 Years
Min: 6.54  Med: 12.28 Max: 47.35
Current: 13.04
6.54
47.35
Forward P/E 8.68
MNRK's Forward P/E is ranked higher than
54% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. MNRK: 8.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.04
MNRK's PE(NRI) is ranked lower than
54% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. MNRK: 13.04 )
Ranked among companies with meaningful PE(NRI) only.
MNRK' s PE(NRI) Range Over the Past 10 Years
Min: 7.35  Med: 12.37 Max: 49.54
Current: 13.04
7.35
49.54
P/B 1.48
MNRK's P/B is ranked lower than
80% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. MNRK: 1.48 )
Ranked among companies with meaningful P/B only.
MNRK' s P/B Range Over the Past 10 Years
Min: 0.53  Med: 1.21 Max: 2.58
Current: 1.48
0.53
2.58
P/S 1.34
MNRK's P/S is ranked higher than
81% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. MNRK: 1.34 )
Ranked among companies with meaningful P/S only.
MNRK' s P/S Range Over the Past 10 Years
Min: 0.53  Med: 1.12 Max: 22.56
Current: 1.34
0.53
22.56
POCF 131.90
MNRK's POCF is ranked lower than
99% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. MNRK: 131.90 )
Ranked among companies with meaningful POCF only.
MNRK' s POCF Range Over the Past 10 Years
Min: 0.34  Med: 10.48 Max: 360.5
Current: 131.9
0.34
360.5
EV-to-EBIT 6.08
MNRK's EV-to-EBIT is ranked higher than
86% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. MNRK: 6.08 )
Ranked among companies with meaningful EV-to-EBIT only.
MNRK' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.8  Med: 11.50 Max: 138.3
Current: 6.08
2.8
138.3
EV-to-EBITDA 5.31
MNRK's EV-to-EBITDA is ranked higher than
87% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. MNRK: 5.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
MNRK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.4  Med: 9.90 Max: 138.3
Current: 5.31
2.4
138.3
PEG 1.21
MNRK's PEG is ranked lower than
60% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MNRK: 1.21 )
Ranked among companies with meaningful PEG only.
MNRK' s PEG Range Over the Past 10 Years
Min: 0.23  Med: 0.32 Max: 2.12
Current: 1.21
0.23
2.12
Shiller P/E 19.29
MNRK's Shiller P/E is ranked lower than
68% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. MNRK: 19.29 )
Ranked among companies with meaningful Shiller P/E only.
MNRK' s Shiller P/E Range Over the Past 10 Years
Min: 14  Med: 16.23 Max: 23.36
Current: 19.29
14
23.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.31
MNRK's Dividend Yield is ranked lower than
68% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. MNRK: 2.31 )
Ranked among companies with meaningful Dividend Yield only.
MNRK' s Dividend Yield Range Over the Past 10 Years
Min: 0.81  Med: 2.03 Max: 2.76
Current: 2.31
0.81
2.76
Dividend Payout 0.29
MNRK's Dividend Payout is ranked higher than
59% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. MNRK: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
MNRK' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.26 Max: 0.42
Current: 0.29
0.11
0.42
Dividend Growth (3y) 32.60
MNRK's Dividend Growth (3y) is ranked higher than
88% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. MNRK: 32.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MNRK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 32.6
Current: 32.6
0
32.6
Forward Dividend Yield 2.52
MNRK's Forward Dividend Yield is ranked lower than
67% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. MNRK: 2.52 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.31
MNRK's Yield on cost (5-Year) is ranked lower than
69% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. MNRK: 2.31 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MNRK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.81  Med: 2.03 Max: 2.76
Current: 2.31
0.81
2.76
3-Year Average Share Buyback Ratio -1.60
MNRK's 3-Year Average Share Buyback Ratio is ranked higher than
50% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MNRK: -1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MNRK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.5  Med: -13.70 Max: -1.6
Current: -1.6
-22.5
-1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
MNRK's Price/Tangible Book is ranked lower than
73% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. MNRK: 1.47 )
Ranked among companies with meaningful Price/Tangible Book only.
MNRK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.28 Max: 2.28
Current: 1.47
0.55
2.28
Price/Projected FCF 2.72
MNRK's Price/Projected FCF is ranked lower than
95% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MNRK: 2.72 )
Ranked among companies with meaningful Price/Projected FCF only.
MNRK' s Price/Projected FCF Range Over the Past 10 Years
Min: 1.71  Med: 3.06 Max: 7.61
Current: 2.72
1.71
7.61
Price/DCF (Earnings Based) 0.61
MNRK's Price/DCF (Earnings Based) is ranked higher than
52% of the 137 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. MNRK: 0.61 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.23
MNRK's Price/Median PS Value is ranked lower than
80% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. MNRK: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
MNRK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.11 Max: 20.33
Current: 1.23
0.44
20.33
Price/Peter Lynch Fair Value 1.51
MNRK's Price/Peter Lynch Fair Value is ranked lower than
80% of the 603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. MNRK: 1.51 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MNRK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.26  Med: 0.46 Max: 2.27
Current: 1.51
0.26
2.27
Price/Graham Number 0.93
MNRK's Price/Graham Number is ranked lower than
64% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. MNRK: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
MNRK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.87 Max: 2.67
Current: 0.93
0.49
2.67
Earnings Yield (Greenblatt) (%) 16.46
MNRK's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MNRK: 16.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MNRK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 8.70 Max: 35.4
Current: 16.46
0.7
35.4
Forward Rate of Return (Yacktman) (%) 14.67
MNRK's Forward Rate of Return (Yacktman) (%) is ranked lower than
76% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. MNRK: 14.67 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MNRK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -114  Med: -28.00 Max: 39.1
Current: 14.67
-114
39.1

More Statistics

Revenue(Mil) $129
EPS $ 1.09
Beta0.17
Short Percentage of Float0.07%
52-Week Range $10.78 - 18.35
Shares Outstanding(Mil)11.86

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 banking
» More Articles for MNRK

Headlines

Articles On GuruFocus.com
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 

More From Other Websites
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MONARCH FINANCIAL HOLDINGS, INC. Financials Dec 08 2015
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