Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
1.53 (1y: +8%)
Market Cap 16.77 M P/E(ttm)
Enterprise Value 180.3 M P/B 0.30
RBPAA- NAS (USA)
Royal Bancshares of Pennsylvania
  • 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
$1.53
Switch to:

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 : 4/10

vs
industry		 vs
history
Cash to Debt 0.215
RBPAA's Cash to Debt is ranked lower than
85% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. RBPAA: 0.215 )
RBPAA' s 10-Year Cash to Debt Range
Min: 0.03   Max: 0.57
Current: 0.22
0.03
0.57
Equity to Asset 0.071
RBPAA's Equity to Asset is ranked lower than
113379% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RBPAA: 0.071 )
RBPAA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.07
0.07
0.18
Interest Coverage No Debt
RBPAA's Interest Coverage is ranked lower than
113379% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. RBPAA: No Debt )
RBPAA' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 2
Z-Score: -0.15
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 : 4/10

vs
industry		 vs
history
Operating margin (%) -64.70
RBPAA's Operating margin (%) is ranked lower than
139082% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. RBPAA: -64.70 )
RBPAA' s 10-Year Operating margin (%) Range
Min: -116.8   Max: 64.3
Current: -64.7
-116.8
64.3
Net-margin (%) -60.8
RBPAA's Net-margin (%) is ranked lower than
126103% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. RBPAA: -60.8 )
RBPAA' s 10-Year Net-margin (%) Range
Min: -123.7   Max: 46.1
Current: -60.8
-123.7
46.1
ROE (%) -28.6
RBPAA's ROE (%) is ranked lower than
129032% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. RBPAA: -28.6 )
RBPAA' s 10-Year ROE (%) Range
Min: -47.8   Max: 20.6
Current: -28.6
-47.8
20.6
ROA (%) -2
RBPAA's ROA (%) is ranked lower than
130208% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBPAA: -2 )
RBPAA' s 10-Year ROA (%) Range
Min: -3.2   Max: 2.5
Current: -2
-3.2
2.5
Revenue Growth (%) -1.1
RBPAA's Revenue Growth (%) is ranked lower than
290697% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. RBPAA: -1.1 )
RBPAA' s 10-Year Revenue Growth (%) Range
Min: -17.2   Max: 12.1
Current: -1.1
-17.2
12.1
EBITDA Growth (%) -14.7
RBPAA's EBITDA Growth (%) is ranked lower than
300300% of the 333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.00 vs. RBPAA: -14.7 )
RBPAA' s 10-Year EBITDA Growth (%) Range
Min: -32.4   Max: 132.4
Current: -14.7
-32.4
132.4
EPS Growth (%) -15.8
RBPAA's EPS Growth (%) is ranked lower than
302115% of the 331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.00 vs. RBPAA: -15.8 )
RBPAA' s 10-Year EPS Growth (%) Range
Min: -59.5   Max: 16.4
Current: -15.8
-59.5
16.4
ยป RBPAA's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

RBPAA Guru Trades in Q2 2012

Jim Simons 38,600 sh (+0.26%)
» More
Q3 2012

RBPAA Guru Trades in Q3 2012

Jim Simons 40,000 sh (+3.63%)
» More
Q4 2012

RBPAA Guru Trades in Q4 2012

Jim Simons 39,300 sh (-1.75%)
» More
Q1 2013

RBPAA Guru Trades in Q1 2013

Jim Simons 37,500 sh (-4.58%)
» More
» Details

Insider Trades

Latest Guru Trades with RBPAA



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/B 0.30
RBPAA's P/B is ranked higher than
84% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. RBPAA: 0.30 )
RBPAA' s 10-Year P/B Range
Min: 0.13   Max: 2.63
Current: 0.3
0.13
2.63
P/S 0.80
RBPAA's P/S is ranked higher than
89% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. RBPAA: 0.80 )
RBPAA' s 10-Year P/S Range
Min: 0.32   Max: 7.31
Current: 0.8
0.32
7.31
PFCF 1.00
RBPAA's PFCF is ranked lower than
143885% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. RBPAA: 1.00 )
RBPAA' s 10-Year PFCF Range
Min: 0.38   Max: 2389.2
Current: 1
0.38
2389.2
EV-to-EBIT 83.3
RBPAA's EV-to-EBIT is ranked lower than
93% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. RBPAA: 83.3 )
RBPAA' s 10-Year EV-to-EBIT Range
Min: 7.7   Max: 121.5
Current: 83.3
7.7
121.5
Shiller P/E 111.9
RBPAA's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. RBPAA: 111.9 )
RBPAA' s 10-Year Shiller P/E Range
Min: 2.88   Max: 417
Current: 111.9
2.88
417

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.3
RBPAA's Price/Tangible Book is ranked higher than
91% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. RBPAA: 0.3 )
RBPAA' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.4
Current: 0.3
0.2
2.4
Price/DCF (Projected) 0.1
RBPAA's Price/DCF (Projected) is ranked lower than
198807% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. RBPAA: 0.1 )
RBPAA' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.7
Current: 0.1
0.1
1.7
Price/Median PS Value 0.2
RBPAA's Price/Median PS Value is ranked higher than
97% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RBPAA: 0.2 )
RBPAA' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.6
Current: 0.2
0.1
1.6
Earnings Yield (Greenblatt) 1.20
RBPAA's Earnings Yield (Greenblatt) is ranked lower than
134228% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. RBPAA: 1.20 )
RBPAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 13
Current: 1.2
0.8
13
Forward Rate of Return (Yacktman) 50.27
RBPAA's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. RBPAA: 50.27 )
RBPAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.2   Max: 20.3
Current: 50.27
4.2
20.3

Business Description

Royal Bancshares of Pennsylvania, Inc. through its wholly owned subsidiaries Royal Bank America and Royal Asian Bank offers a full range of banking services to individual and corporate customers mainly located in the Mid-Atlantic States. Royal Bank was incorporated in the Commonwealth of Pennsylvania on July 30, 1963 and derives its income from interest charged on loans, interest earned on investment securities, and fees received in connection with the origination of loans and other services. Royal Bank's principal expenses are interest expense on deposits and operating expenses. Operating revenues, deposit growth, investment maturities, loan sales and the repayment of outstanding loans provide the majority of funds for activities. At December 31, 2009, Royal Bank had a total net loan portfolio of approximately $594.1 million, representing more than 45% of total assets. The loan portfolio is categorized into commercial demand, commercial mortgages, residential mortgages (including home equity lines of credit), construction, real estate tax liens, asset based loans, small business leases and installment loans. Royal Asian Bank was incorporated in the Commonwealth of Pennsylvania on October 4, 2005 and derives its income from interest charged on loans and fees received in connection with other services. Royal Asian's expenses are interest expense on deposits and operating expenses. Operating revenues, deposit growth, and the repayment of outstanding loans provide the majority of funds for activities. At December 31, 2009, Royal Asian had a total net loan portfolio of approximately $64.7 million, representing more than 60% of total assets. The loan portfolio is categorized into commercial demand, commercial mortgages, construction, and installment loans. The banks are engaged in general banking business mainly in Montgomery, Chester, Bucks, Philadelphia and Berks counties in Pennsylvania and in Northern and Southern New Jersey and Delaware. The company has three operating segments: Community Banking, Tax Liens and Equity Investments. Its Community Banking segment consists of commercial and retail banking. The Community Banking business segment is managed as a single strategic unit which generates revenue from a number of products and services provided by the banks. The bank offers demand deposits, money market deposit, checking accounts, savings, and NOW accounts. Its loans include commercial demand loans, commercial mortgages, residential mortgages, home equity lines of credit, construction loans, asset based loans, small business leases, and installment loans. The company's Tax Lien Operation consists of purchasing delinquent tax certificates from local municipalities at auction and then processing those liens to either encourage the property holder to pay off the lien, or to foreclose and sell the property. The tax lien operation earns income based on interest rates (determined at auction) and penalties assigned by the municipali
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
Traded in other countries:RBPAB.USA
ยป More Articles for RBPAA

Headlines

Articles On GuruFocus.com
Royal Bancshares of Pennsylvania Inc. Reports Operating Results (10-Q) Nov 13 2009 
Royal Bancshares of Pennsylvania Inc. Reports Operating Results (10-K/A) Nov 13 2009 
Royal Bancshares of Pennsylvania Inc. Reports Operating Results (10-Q) Aug 14 2009 
Royal Bancshares of Pennsylvania Inc. Reports Operating Results (10-Q) May 15 2009 

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names
Free 7-day Trial