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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 7.88
MNRK's Cash to Debt is ranked higher than
63% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. MNRK: 7.88 )
Ranked among companies with meaningful Cash to Debt only.
MNRK' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.44 Max: 7.88
Current: 7.88
0.13
7.88
Equity to Asset 0.09
MNRK's Equity to Asset is ranked lower than
63% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MNRK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
MNRK' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.09
0.07
0.12
Interest Coverage 4.90
MNRK's Interest Coverage is ranked higher than
80% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. MNRK: 4.90 )
Ranked among companies with meaningful Interest Coverage only.
MNRK' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.65 Max: 4.9
Current: 4.9
0.13
4.9
F-Score: 4
WACC vs ROIC
3.59%
24.96%
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 (%) 16.64
MNRK's Operating margin (%) is ranked lower than
78% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. MNRK: 16.64 )
Ranked among companies with meaningful Operating margin (%) only.
MNRK' s 10-Year Operating margin (%) Range
Min: -295.95  Med: 13.30 Max: 30.32
Current: 16.64
-295.95
30.32
Net-margin (%) 10.41
MNRK's Net-margin (%) is ranked lower than
82% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. MNRK: 10.41 )
Ranked among companies with meaningful Net-margin (%) only.
MNRK' s 10-Year Net-margin (%) Range
Min: 3.15  Med: 9.46 Max: 35.64
Current: 10.41
3.15
35.64
ROE (%) 11.55
MNRK's ROE (%) is ranked higher than
72% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. MNRK: 11.55 )
Ranked among companies with meaningful ROE (%) only.
MNRK' s 10-Year ROE (%) Range
Min: 2.3  Med: 7.53 Max: 13.97
Current: 11.55
2.3
13.97
ROA (%) 1.14
MNRK's ROA (%) is ranked higher than
69% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. MNRK: 1.14 )
Ranked among companies with meaningful ROA (%) only.
MNRK' s 10-Year ROA (%) Range
Min: 0.21  Med: 0.75 Max: 1.21
Current: 1.14
0.21
1.21
ROC (Joel Greenblatt) (%) 63.80
MNRK's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. MNRK: 63.80 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
MNRK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.33  Med: 59.93 Max: 107.5
Current: 63.8
7.33
107.5
Revenue Growth (3Y)(%) 4.70
MNRK's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. MNRK: 4.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MNRK' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.9  Med: 25.40 Max: 98
Current: 4.7
-3.9
98
EBITDA Growth (3Y)(%) 15.60
MNRK's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. MNRK: 15.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MNRK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 17.85 Max: 59.3
Current: 15.6
0
59.3
EPS Growth (3Y)(%) 24.10
MNRK's EPS Growth (3Y)(%) is ranked higher than
77% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. MNRK: 24.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MNRK' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.2  Med: 26.40 Max: 66.5
Current: 24.1
-28.2
66.5
» MNRK's 10-Y Financials

Financials


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

» Details

Guru Trades

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 (+14.00%)
» More
Q4 2014

MNRK Guru Trades in Q4 2014

Jim Simons 79,000 sh (+8.70%)
» More
Q1 2015

MNRK Guru Trades in Q1 2015

Jim Simons 95,500 sh (+20.89%)
» 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) 11.20
MNRK's P/E(ttm) is ranked higher than
68% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. MNRK: 11.20 )
Ranked among companies with meaningful P/E(ttm) only.
MNRK' s 10-Year P/E(ttm) Range
Min: 5.9  Med: 12.64 Max: 82.91
Current: 11.2
5.9
82.91
Forward P/E 8.68
MNRK's Forward P/E is ranked higher than
78% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. MNRK: 8.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.30
MNRK's PE(NRI) is ranked higher than
68% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. MNRK: 11.30 )
Ranked among companies with meaningful PE(NRI) only.
MNRK' s 10-Year PE(NRI) Range
Min: 6.45  Med: 12.64 Max: 87.88
Current: 11.3
6.45
87.88
P/B 1.24
MNRK's P/B is ranked lower than
62% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MNRK: 1.24 )
Ranked among companies with meaningful P/B only.
MNRK' s 10-Year P/B Range
Min: 0.53  Med: 1.22 Max: 2.58
Current: 1.24
0.53
2.58
P/S 1.17
MNRK's P/S is ranked higher than
90% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. MNRK: 1.17 )
Ranked among companies with meaningful P/S only.
MNRK' s 10-Year P/S Range
Min: 0.44  Med: 1.14 Max: 27.27
Current: 1.17
0.44
27.27
EV-to-EBIT 3.15
MNRK's EV-to-EBIT is ranked higher than
95% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. MNRK: 3.15 )
Ranked among companies with meaningful EV-to-EBIT only.
MNRK' s 10-Year EV-to-EBIT Range
Min: 2.7  Med: 12.30 Max: 153.9
Current: 3.15
2.7
153.9
PEG 1.06
MNRK's PEG is ranked higher than
51% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MNRK: 1.06 )
Ranked among companies with meaningful PEG only.
MNRK' s 10-Year PEG Range
Min: 0.17  Med: 0.31 Max: 1.31
Current: 1.06
0.17
1.31
Shiller P/E 12.91
MNRK's Shiller P/E is ranked higher than
70% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. MNRK: 12.91 )
Ranked among companies with meaningful Shiller P/E only.
MNRK' s 10-Year Shiller P/E Range
Min: 9.3  Med: 13.31 Max: 18.16
Current: 12.91
9.3
18.16
Days Sales Outstanding 79.55
MNRK's Days Sales Outstanding is ranked lower than
74% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. MNRK: 79.55 )
Ranked among companies with meaningful Days Sales Outstanding only.
MNRK' s 10-Year Days Sales Outstanding Range
Min: 27.17  Med: 49.99 Max: 78.06
Current: 79.55
27.17
78.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.59
MNRK's Dividend Yield is ranked higher than
50% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. MNRK: 2.59 )
Ranked among companies with meaningful Dividend Yield only.
MNRK' s 10-Year Dividend Yield Range
Min: 0.81  Med: 2.00 Max: 2.66
Current: 2.59
0.81
2.66
Dividend Payout 0.28
MNRK's Dividend Payout is ranked higher than
60% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. MNRK: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
MNRK' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.26 Max: 0.42
Current: 0.28
0.11
0.42
Dividend growth (3y) 32.60
MNRK's Dividend growth (3y) is ranked higher than
86% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MNRK: 32.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
MNRK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 32.6
Current: 32.6
0
32.6
Yield on cost (5-Year) 2.59
MNRK's Yield on cost (5-Year) is ranked lower than
58% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. MNRK: 2.59 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MNRK' s 10-Year Yield on cost (5-Year) Range
Min: 0.81  Med: 2.00 Max: 2.66
Current: 2.59
0.81
2.66
Share Buyback Rate -1.60
MNRK's Share Buyback Rate is ranked higher than
52% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. MNRK: -1.60 )
Ranked among companies with meaningful Share Buyback Rate only.
MNRK' s 10-Year Share Buyback Rate Range
Min: -1.6  Med: -13.70 Max: -22.5
Current: -1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.25
MNRK's Price/Tangible Book is ranked lower than
55% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MNRK: 1.25 )
Ranked among companies with meaningful Price/Tangible Book only.
MNRK' s 10-Year Price/Tangible Book Range
Min: 0.55  Med: 1.30 Max: 2.28
Current: 1.25
0.55
2.28
Price/Projected FCF 2.20
MNRK's Price/Projected FCF is ranked lower than
93% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. MNRK: 2.20 )
Ranked among companies with meaningful Price/Projected FCF only.
MNRK' s 10-Year Price/Projected FCF Range
Min: 1.71  Med: 4.24 Max: 7.43
Current: 2.2
1.71
7.43
Price/DCF (Earnings Based) 0.51
MNRK's Price/DCF (Earnings Based) is ranked higher than
67% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. MNRK: 0.51 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.03
MNRK's Price/Median PS Value is ranked higher than
59% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. MNRK: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
MNRK' s 10-Year Price/Median PS Value Range
Min: 0.41  Med: 1.06 Max: 18.79
Current: 1.03
0.41
18.79
Price/Peter Lynch Fair Value 1.28
MNRK's Price/Peter Lynch Fair Value is ranked lower than
67% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. MNRK: 1.28 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MNRK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26  Med: 0.48 Max: 2.49
Current: 1.28
0.26
2.49
Price/Graham Number 0.78
MNRK's Price/Graham Number is ranked higher than
58% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. MNRK: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
MNRK' s 10-Year Price/Graham Number Range
Min: 0.35  Med: 0.83 Max: 2.59
Current: 0.78
0.35
2.59
Earnings Yield (Greenblatt) (%) 31.70
MNRK's Earnings Yield (Greenblatt) (%) is ranked higher than
95% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MNRK: 31.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MNRK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 8.20 Max: 36.4
Current: 31.7
0.6
36.4
Forward Rate of Return (Yacktman) (%) -17.38
MNRK's Forward Rate of Return (Yacktman) (%) is ranked lower than
90% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. MNRK: -17.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MNRK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -103.6  Med: -27.35 Max: 38.5
Current: -17.38
-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 banking
» 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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