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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 0.26
RBPAA's Cash to Debt is ranked higher than
58% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. RBPAA: 0.26 )
RBPAA' s 10-Year Cash to Debt Range
Min: 0.03   Max: 15.77
Current: 0.26

0.03
15.77
Equity to Asset 0.09
RBPAA's Equity to Asset is ranked higher than
68% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RBPAA: 0.09 )
RBPAA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.22
Current: 0.09

0.07
0.22
Interest Coverage 0.75
RBPAA's Interest Coverage is ranked higher than
61% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. RBPAA: 0.75 )
RBPAA' s 10-Year Interest Coverage Range
Min: 0.21   Max: 1.41
Current: 0.75

0.21
1.41
F-Score: 6
Z-Score: -0.09
WACC vs ROIC
6.94%
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 higher than
59% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. RBPAA: 19.10 )
RBPAA' s 10-Year Operating margin (%) Range
Min: -188.2   Max: 64.41
Current: 19.1

-188.2
64.41
Net-margin (%) 19.94
RBPAA's Net-margin (%) is ranked higher than
70% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. RBPAA: 19.94 )
RBPAA' s 10-Year Net-margin (%) Range
Min: -201.84   Max: 46.13
Current: 19.94

-201.84
46.13
ROE (%) 8.81
RBPAA's ROE (%) is ranked higher than
75% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. RBPAA: 8.81 )
RBPAA' s 10-Year ROE (%) Range
Min: -36.78   Max: 21.63
Current: 8.81

-36.78
21.63
ROA (%) 0.71
RBPAA's ROA (%) is ranked higher than
68% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. RBPAA: 0.71 )
RBPAA' s 10-Year ROA (%) Range
Min: -3.1   Max: 2.87
Current: 0.71

-3.1
2.87
ROC (Joel Greenblatt) (%) 101.82
RBPAA's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. RBPAA: 101.82 )
RBPAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -82.45   Max: 398.41
Current: 101.82

-82.45
398.41
Revenue Growth (3Y)(%) -20.20
RBPAA's Revenue Growth (3Y)(%) is ranked higher than
50% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. RBPAA: -20.20 )
RBPAA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   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

Q1 2014

RBPAA Guru Trades in Q1 2014

Jim Simons 44,200 sh (+18.82%)
» More
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
» 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) 11.80
RBPAA's P/E(ttm) is ranked higher than
89% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. RBPAA: 11.80 )
RBPAA' s 10-Year P/E(ttm) Range
Min: 5.39   Max: 492
Current: 11.8

5.39
492
PE(NRI) 11.60
RBPAA's PE(NRI) is ranked higher than
89% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. RBPAA: 11.60 )
RBPAA' s 10-Year PE(NRI) Range
Min: 5.3   Max: 306.2
Current: 11.6

5.3
306.2
P/B 0.80
RBPAA's P/B is ranked higher than
87% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. RBPAA: 0.80 )
RBPAA' s 10-Year P/B Range
Min: 0.17   Max: 2.58
Current: 0.8

0.17
2.58
P/S 1.60
RBPAA's P/S is ranked higher than
93% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. RBPAA: 1.60 )
RBPAA' s 10-Year P/S Range
Min: 0.31   Max: 204
Current: 1.6

0.31
204
PFCF 3.90
RBPAA's PFCF is ranked higher than
92% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RBPAA: 3.90 )
RBPAA' s 10-Year PFCF Range
Min: 0.38   Max: 154.87
Current: 3.9

0.38
154.87
POCF 3.19
RBPAA's POCF is ranked higher than
93% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. RBPAA: 3.19 )
RBPAA' s 10-Year POCF Range
Min: 0.37   Max: 296
Current: 3.19

0.37
296
EV-to-EBIT 44.57
RBPAA's EV-to-EBIT is ranked higher than
62% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. RBPAA: 44.57 )
RBPAA' s 10-Year EV-to-EBIT Range
Min: -218   Max: 167.8
Current: 44.57

-218
167.8
Days Sales Outstanding 68.17
RBPAA's Days Sales Outstanding is ranked higher than
83% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RBPAA: 68.17 )
RBPAA' s 10-Year Days Sales Outstanding Range
Min: 74.46   Max: 440.82
Current: 68.17

74.46
440.82

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
RBPAA's Price/Tangible Book is ranked higher than
90% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. RBPAA: 0.80 )
RBPAA' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 2.67
Current: 0.8

0.23
2.67
Price/DCF (Projected) 0.30
RBPAA's Price/DCF (Projected) is ranked higher than
96% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RBPAA: 0.30 )
RBPAA' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 6.73
Current: 0.3

0.07
6.73
Price/Median PS Value 1.00
RBPAA's Price/Median PS Value is ranked higher than
92% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. RBPAA: 1.00 )
RBPAA' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 8.56
Current: 1

0.32
8.56
Price/Graham Number 0.60
RBPAA's Price/Graham Number is ranked higher than
92% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RBPAA: 0.60 )
RBPAA' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 3.43
Current: 0.6

0.38
3.43
Earnings Yield (Greenblatt) 2.20
RBPAA's Earnings Yield (Greenblatt) is ranked higher than
50% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RBPAA: 2.20 )
RBPAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 6.7
Current: 2.2

0.6
6.7
Forward Rate of Return (Yacktman) -5.24
RBPAA's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. RBPAA: -5.24 )
RBPAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.3   Max: 166.1
Current: -5.24

-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 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) Aug 14 2009 
Royal Bancshares of Pennsylvania Inc. Reports Operating Results (10-Q) May 15 2009 

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