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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 0.35
RBPAA's Cash to Debt is ranked lower than
75% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. RBPAA: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
RBPAA' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.26 Max: 15.77
Current: 0.35
0.03
15.77
Equity to Asset 0.09
RBPAA's Equity to Asset is ranked lower than
60% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RBPAA: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
RBPAA' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.25
Current: 0.09
0.07
0.25
Interest Coverage 0.75
RBPAA's Interest Coverage is ranked lower than
71% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. RBPAA: 0.75 )
Ranked among companies with meaningful Interest Coverage only.
RBPAA' s 10-Year Interest Coverage Range
Min: 0.21  Med: 0.94 Max: 1.41
Current: 0.75
0.21
1.41
F-Score: 5
WACC vs ROIC
8.31%
3.71%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 19.10
RBPAA's Operating margin (%) is ranked lower than
75% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. RBPAA: 19.10 )
Ranked among companies with meaningful Operating margin (%) only.
RBPAA' s 10-Year Operating margin (%) Range
Min: -188.2  Med: 51.45 Max: 64.41
Current: 19.1
-188.2
64.41
Net-margin (%) 19.94
RBPAA's Net-margin (%) is ranked lower than
56% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. RBPAA: 19.94 )
Ranked among companies with meaningful Net-margin (%) only.
RBPAA' s 10-Year Net-margin (%) Range
Min: -201.84  Med: 35.77 Max: 46.13
Current: 19.94
-201.84
46.13
ROE (%) 8.81
RBPAA's ROE (%) is ranked higher than
53% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. RBPAA: 8.81 )
Ranked among companies with meaningful ROE (%) only.
RBPAA' s 10-Year ROE (%) Range
Min: -36.78  Med: 11.76 Max: 21.63
Current: 8.81
-36.78
21.63
ROA (%) 0.71
RBPAA's ROA (%) is ranked lower than
59% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. RBPAA: 0.71 )
Ranked among companies with meaningful ROA (%) only.
RBPAA' s 10-Year ROA (%) Range
Min: -3.1  Med: 1.65 Max: 2.87
Current: 0.71
-3.1
2.87
ROC (Joel Greenblatt) (%) 101.82
RBPAA's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. RBPAA: 101.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RBPAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -82.45  Med: 100.00 Max: 398.41
Current: 101.82
-82.45
398.41
Revenue Growth (3Y)(%) -20.20
RBPAA's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. RBPAA: -20.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBPAA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.50 Max: 19.4
Current: -20.2
0
19.4
» RBPAA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

RBPAA Guru Trades in Q2 2014

Jim Simons 47,000 sh (+6.33%)
» More
Q3 2014

RBPAA Guru Trades in Q3 2014

Jim Simons 86,892 sh (+84.88%)
» More
Q4 2014

RBPAA Guru Trades in Q4 2014

Jim Simons 89,692 sh (+3.22%)
» More
Q1 2015

RBPAA Guru Trades in Q1 2015

Jim Simons 101,592 sh (+13.27%)
» More
» Details

Insider Trades

Latest Guru Trades with RBPAA

(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) 14.10
RBPAA's P/E(ttm) is ranked lower than
51% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. RBPAA: 14.10 )
Ranked among companies with meaningful P/E(ttm) only.
RBPAA' s 10-Year P/E(ttm) Range
Min: 5.39  Med: 14.11 Max: 492
Current: 14.1
5.39
492
PE(NRI) 14.40
RBPAA's PE(NRI) is ranked lower than
53% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. RBPAA: 14.40 )
Ranked among companies with meaningful PE(NRI) only.
RBPAA' s 10-Year PE(NRI) Range
Min: 5.3  Med: 14.29 Max: 306.2
Current: 14.4
5.3
306.2
P/B 1.23
RBPAA's P/B is ranked lower than
61% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. RBPAA: 1.23 )
Ranked among companies with meaningful P/B only.
RBPAA' s 10-Year P/B Range
Min: 0.17  Med: 0.87 Max: 2.58
Current: 1.23
0.17
2.58
P/S 1.73
RBPAA's P/S is ranked higher than
79% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. RBPAA: 1.73 )
Ranked among companies with meaningful P/S only.
RBPAA' s 10-Year P/S Range
Min: 0.31  Med: 1.49 Max: 204
Current: 1.73
0.31
204
PFCF 4.47
RBPAA's PFCF is ranked higher than
74% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. RBPAA: 4.47 )
Ranked among companies with meaningful PFCF only.
RBPAA' s 10-Year PFCF Range
Min: 0.38  Med: 4.61 Max: 154.87
Current: 4.47
0.38
154.87
POCF 4.02
RBPAA's POCF is ranked higher than
74% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. RBPAA: 4.02 )
Ranked among companies with meaningful POCF only.
RBPAA' s 10-Year POCF Range
Min: 0.37  Med: 5.26 Max: 296
Current: 4.02
0.37
296
EV-to-EBIT 30.46
RBPAA's EV-to-EBIT is ranked lower than
83% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. RBPAA: 30.46 )
Ranked among companies with meaningful EV-to-EBIT only.
RBPAA' s 10-Year EV-to-EBIT Range
Min: -218  Med: -7.40 Max: 167.8
Current: 30.46
-218
167.8
Days Sales Outstanding 68.17
RBPAA's Days Sales Outstanding is ranked lower than
70% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. RBPAA: 68.17 )
Ranked among companies with meaningful Days Sales Outstanding only.
RBPAA' s 10-Year Days Sales Outstanding Range
Min: 74.46  Med: 128.14 Max: 440.82
Current: 68.17
74.46
440.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.23
RBPAA's Price/Tangible Book is ranked lower than
53% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. RBPAA: 1.23 )
Ranked among companies with meaningful Price/Tangible Book only.
RBPAA' s 10-Year Price/Tangible Book Range
Min: 0.23  Med: 1.43 Max: 2.67
Current: 1.23
0.23
2.67
Price/Projected FCF 0.28
RBPAA's Price/Projected FCF is ranked higher than
88% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. RBPAA: 0.28 )
Ranked among companies with meaningful Price/Projected FCF only.
RBPAA' s 10-Year Price/Projected FCF Range
Min: 0.06  Med: 0.99 Max: 6.73
Current: 0.28
0.06
6.73
Price/Median PS Value 1.16
RBPAA's Price/Median PS Value is ranked lower than
59% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. RBPAA: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
RBPAA' s 10-Year Price/Median PS Value Range
Min: 0.27  Med: 3.28 Max: 187
Current: 1.16
0.27
187
Price/Graham Number 0.62
RBPAA's Price/Graham Number is ranked higher than
76% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. RBPAA: 0.62 )
Ranked among companies with meaningful Price/Graham Number only.
RBPAA' s 10-Year Price/Graham Number Range
Min: 0.23  Med: 1.00 Max: 3.43
Current: 0.62
0.23
3.43
Earnings Yield (Greenblatt) (%) 3.30
RBPAA's Earnings Yield (Greenblatt) (%) is ranked lower than
75% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. RBPAA: 3.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RBPAA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 3.30 Max: 6.7
Current: 3.3
0.6
6.7
Forward Rate of Return (Yacktman) (%) -5.34
RBPAA's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. RBPAA: -5.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RBPAA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.3  Med: 37.60 Max: 166.1
Current: -5.34
-6.3
166.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:RBPAB.USA,
Royal Bancshares of Pennsylvania Inc is a Pennsylvania business corporation and a bank holding company. The Company's main activities are supervising Royal Bank America which engages in general banking business mainly in Montgomery, Delaware, Chester, Bucks, Philadelphia and Berks counties in Pennsylvania, southern New Jersey, and Delaware. The Company also has a wholly owned non-bank subsidiary, Royal Investments of Delaware, Inc., which is engaged in investment activities. Royal Bank conducts business operations as a commercial bank offering checking accounts, savings and time deposits, and loans, including residential mortgages, home equity and SBA loans. Royal Bank also offers safe deposit boxes, collections, internet banking and bill payment along with other customary bank services (excluding trust) to its customers. Drive-up, ATM, and night depository facilities are available. Services may be added or deleted from time to time. Royal Bank's main service area includes Pennsylvania, mainly Montgomery, Chester, Bucks, Delaware, Berks and Philadelphia counties, and Camden County, New Jersey. Royal Bank serves this area from fifteen branches located throughout Montgomery, Philadelphia, Delaware and Berks counties and Camden County, New Jersey. Royal Bank also considers New York, Maryland, and Delaware as a part of its service area for certain products and services. In the past, Royal Bank had frequently conducted business with clients located outside of its service area. Royal Bank has loans in twenty-two states via loan originations and/or participations with other lenders who have broad experience in those respective markets. The main competitors include savings banks, savings and loan associations, credit unions, money market and other mutual funds, brokerage firms, mortgage companies, leasing companies, finance companies and other financial services companies offer products and services similar to those offered by Royal Bank, on competitive terms. The Company, as a Pennsylvania business corporation, is subject to the jurisdiction of the Securities and Exchange Commission and of state securities commissions for matters relating to the offering and sale of its securities. The Company is also subject to the provisions of the Holding Company Act, and to supervision, regulation and examination by the Federal Reserve Board.
» More Articles for NAS:RBPAA

Headlines

Articles On GuruFocus.com
Royal Bank America Announces Acquisition of First Cornerstone Branch Jun 16 2015 
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) Aug 14 2009 
Royal Bancshares of Pennsylvania Inc. Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
ROYAL BANCSHARES OF PENNSYLVANIA INC Files SEC form 8-K, Other Events, Financial Statements and... Jun 16 2015
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