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Also traded in: USA

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.16
RBPAB's Cash-to-Debt is ranked lower than
89% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. RBPAB: 0.16 )
Ranked among companies with meaningful Cash-to-Debt only.
RBPAB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.21 Max: 0.97
Current: 0.16
0.03
0.97
Equity-to-Asset 0.06
RBPAB's Equity-to-Asset is ranked lower than
85% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RBPAB: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
RBPAB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.22
Current: 0.06
0.06
0.22
Interest Coverage 1.25
RBPAB's Interest Coverage is ranked lower than
57% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. RBPAB: 1.25 )
Ranked among companies with meaningful Interest Coverage only.
RBPAB' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.87 Max: 1.25
Current: 1.25
0.21
1.25
Beneish M-Score: -2.41
WACC vs ROIC
6.15%
6.69%
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 : 1/10

vs
industry
vs
history
Operating Margin % 30.15
RBPAB's Operating Margin % is ranked lower than
52% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. RBPAB: 30.15 )
Ranked among companies with meaningful Operating Margin % only.
RBPAB' s Operating Margin % Range Over the Past 10 Years
Min: -188.2  Med: -14.25 Max: 30.15
Current: 30.15
-188.2
30.15
Net Margin % 34.12
RBPAB's Net Margin % is ranked higher than
81% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. RBPAB: 34.12 )
Ranked among companies with meaningful Net Margin % only.
RBPAB' s Net Margin % Range Over the Past 10 Years
Min: -201.84  Med: -12.78 Max: 41.29
Current: 34.12
-201.84
41.29
ROE % 13.78
RBPAB's ROE % is ranked higher than
82% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. RBPAB: 13.78 )
Ranked among companies with meaningful ROE % only.
RBPAB' s ROE % Range Over the Past 10 Years
Min: -38.63  Med: -6.93 Max: 14.96
Current: 13.78
-38.63
14.96
ROA % 1.28
RBPAB's ROA % is ranked higher than
77% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. RBPAB: 1.28 )
Ranked among companies with meaningful ROA % only.
RBPAB' s ROA % Range Over the Past 10 Years
Min: -3.1  Med: -0.45 Max: 1.45
Current: 1.28
-3.1
1.45
3-Year Revenue Growth Rate -20.90
RBPAB's 3-Year Revenue Growth Rate is ranked lower than
95% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. RBPAB: -20.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
RBPAB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -34.9  Med: -1.5 Max: 19.5
Current: -20.9
-34.9
19.5
3-Year EBITDA Growth Rate 28.70
RBPAB's 3-Year EBITDA Growth Rate is ranked higher than
87% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. RBPAB: 28.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
RBPAB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -40.6  Med: 8.7 Max: 206
Current: 28.7
-40.6
206
GuruFocus has detected 4 Warning Signs with Royal Bancshares of Pennsylvania Inc $RBPAB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» RBPAB's 10-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BKSC, NAS:BOCH, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
Traded in other countries:RBPAA.USA,
Royal Bancshares of Pennsylvania Inc is a bank holding company for Royal Bank America. The Bank operates as a commercial bank, and offers checking accounts, savings and time deposits, and loans, including residential mortgages, home equity and SBA loans.

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.

Ratios

vs
industry
vs
history
PE Ratio 12.09
RBPAB's PE Ratio is ranked higher than
58% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. RBPAB: 12.09 )
Ranked among companies with meaningful PE Ratio only.
RBPAB' s PE Ratio Range Over the Past 10 Years
Min: 5.48  Med: 12.5 Max: 765.5
Current: 12.09
5.48
765.5
PE Ratio without NRI 12.09
RBPAB's PE Ratio without NRI is ranked higher than
61% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. RBPAB: 12.09 )
Ranked among companies with meaningful PE Ratio without NRI only.
RBPAB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.48  Med: 12.5 Max: 765.5
Current: 12.09
5.48
765.5
Price-to-Owner-Earnings 11.73
RBPAB's Price-to-Owner-Earnings is ranked higher than
61% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. RBPAB: 11.73 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RBPAB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.13  Med: 9 Max: 66.09
Current: 11.73
1.13
66.09
PB Ratio 2.26
RBPAB's PB Ratio is ranked lower than
90% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. RBPAB: 2.26 )
Ranked among companies with meaningful PB Ratio only.
RBPAB' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 1.01 Max: 2.44
Current: 2.26
0.17
2.44
PS Ratio 3.84
RBPAB's PS Ratio is ranked lower than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. RBPAB: 3.84 )
Ranked among companies with meaningful PS Ratio only.
RBPAB' s PS Ratio Range Over the Past 10 Years
Min: 0.31  Med: 1.49 Max: 61.82
Current: 3.84
0.31
61.82
Price-to-Free-Cash-Flow 18.34
RBPAB's Price-to-Free-Cash-Flow is ranked lower than
75% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. RBPAB: 18.34 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
RBPAB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.38  Med: 6.22 Max: 63.82
Current: 18.34
0.38
63.82
Price-to-Operating-Cash-Flow 13.97
RBPAB's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. RBPAB: 13.97 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
RBPAB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.37  Med: 6.94 Max: 246.67
Current: 13.97
0.37
246.67
EV-to-EBIT 25.28
RBPAB's EV-to-EBIT is ranked lower than
83% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. RBPAB: 25.28 )
Ranked among companies with meaningful EV-to-EBIT only.
RBPAB' s EV-to-EBIT Range Over the Past 10 Years
Min: -224.7  Med: -7.3 Max: 167.8
Current: 25.28
-224.7
167.8
EV-to-EBITDA 23.73
RBPAB's EV-to-EBITDA is ranked lower than
85% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. RBPAB: 23.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBPAB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -631.6  Med: -7.5 Max: 118.1
Current: 23.73
-631.6
118.1

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -31.30
RBPAB's 3-Year Average Share Buyback Ratio is ranked lower than
94% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. RBPAB: -31.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RBPAB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -31.9  Med: -0.4 Max: 0.8
Current: -31.3
-31.9
0.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.26
RBPAB's Price-to-Tangible-Book is ranked lower than
85% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. RBPAB: 2.26 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RBPAB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.24  Med: 1.45 Max: 2.42
Current: 2.26
0.24
2.42
Price-to-Intrinsic-Value-Projected-FCF 0.78
RBPAB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
53% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBPAB: 0.78 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
RBPAB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.07  Med: 0.91 Max: 5.07
Current: 0.78
0.07
5.07
Price-to-Median-PS-Value 2.58
RBPAB's Price-to-Median-PS-Value is ranked lower than
96% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. RBPAB: 2.58 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RBPAB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 2.74 Max: 8.4
Current: 2.58
0.32
8.4
Price-to-Graham-Number 1.12
RBPAB's Price-to-Graham-Number is ranked lower than
65% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. RBPAB: 1.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
RBPAB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.6  Med: 1.12 Max: 3.51
Current: 1.12
0.6
3.51
Earnings Yield (Greenblatt) % 3.96
RBPAB's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. RBPAB: 3.96 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RBPAB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 3.65 Max: 6.7
Current: 3.96
0.6
6.7
Forward Rate of Return (Yacktman) % 0.55
RBPAB's Forward Rate of Return (Yacktman) % is ranked lower than
80% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. RBPAB: 0.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
RBPAB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -4.1  Med: 50.8 Max: 166.1
Current: 0.55
-4.1
166.1

More Statistics

Revenue (TTM) (Mil) $30.41
EPS (TTM) $ 0.37
Beta1.46
Short Percentage of Float0.00%
52-Week Range $1.51 - 4.40
Shares Outstanding (Mil)26.20

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