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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
RBPAB's Cash to Debt is ranked lower than
75% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. RBPAB: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
RBPAB' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.26 Max: N/A
Current: 0.35
Equity to Asset 0.09
RBPAB's Equity to Asset is ranked lower than
59% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RBPAB: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
RBPAB' 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
RBPAB's Interest Coverage is ranked lower than
71% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. RBPAB: 0.75 )
Ranked among companies with meaningful Interest Coverage only.
RBPAB' 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
9.39%
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
RBPAB's Operating margin (%) is ranked lower than
74% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. RBPAB: 19.10 )
Ranked among companies with meaningful Operating margin (%) only.
RBPAB' 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
RBPAB's Net-margin (%) is ranked lower than
55% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. RBPAB: 19.94 )
Ranked among companies with meaningful Net-margin (%) only.
RBPAB' 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
RBPAB's ROE (%) is ranked higher than
54% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. RBPAB: 8.81 )
Ranked among companies with meaningful ROE (%) only.
RBPAB' s 10-Year ROE (%) Range
Min: -36.78  Med: 11.76 Max: 21.63
Current: 8.81
-36.78
21.63
ROA (%) 0.71
RBPAB's ROA (%) is ranked lower than
57% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBPAB: 0.71 )
Ranked among companies with meaningful ROA (%) only.
RBPAB' 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
RBPAB's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. RBPAB: 101.82 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RBPAB' 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
RBPAB's Revenue Growth (3Y)(%) is ranked lower than
92% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. RBPAB: -20.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBPAB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.50 Max: 19.4
Current: -20.2
0
19.4
» RBPAB's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 16.20
RBPAB's P/E(ttm) is ranked lower than
60% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. RBPAB: 16.20 )
Ranked among companies with meaningful P/E(ttm) only.
RBPAB' s 10-Year P/E(ttm) Range
Min: 5.39  Med: 14.15 Max: 492
Current: 16.2
5.39
492
PE(NRI) 16.60
RBPAB's PE(NRI) is ranked lower than
62% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. RBPAB: 16.60 )
Ranked among companies with meaningful PE(NRI) only.
RBPAB' s 10-Year PE(NRI) Range
Min: 5.3  Med: 14.21 Max: 306.2
Current: 16.6
5.3
306.2
P/B 1.41
RBPAB's P/B is ranked lower than
70% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. RBPAB: 1.41 )
Ranked among companies with meaningful P/B only.
RBPAB' s 10-Year P/B Range
Min: 0.17  Med: 0.87 Max: 2.58
Current: 1.41
0.17
2.58
P/S 2.00
RBPAB's P/S is ranked higher than
74% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. RBPAB: 2.00 )
Ranked among companies with meaningful P/S only.
RBPAB' s 10-Year P/S Range
Min: 0.31  Med: 1.48 Max: 204
Current: 2
0.31
204
PFCF 5.16
RBPAB's PFCF is ranked higher than
72% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. RBPAB: 5.16 )
Ranked among companies with meaningful PFCF only.
RBPAB' s 10-Year PFCF Range
Min: 0.38  Med: 4.63 Max: 154.87
Current: 5.16
0.38
154.87
POCF 4.64
RBPAB's POCF is ranked higher than
72% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. RBPAB: 4.64 )
Ranked among companies with meaningful POCF only.
RBPAB' s 10-Year POCF Range
Min: 0.37  Med: 5.28 Max: 296
Current: 4.64
0.37
296
EV-to-EBIT 32.20
RBPAB's EV-to-EBIT is ranked lower than
84% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. RBPAB: 32.20 )
Ranked among companies with meaningful EV-to-EBIT only.
RBPAB' s 10-Year EV-to-EBIT Range
Min: -218  Med: -7.40 Max: 167.8
Current: 32.2
-218
167.8
Days Sales Outstanding 68.17
RBPAB's Days Sales Outstanding is ranked lower than
68% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. RBPAB: 68.17 )
Ranked among companies with meaningful Days Sales Outstanding only.
RBPAB' 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
Earnings Yield (Greenblatt) (%) 3.10
RBPAB's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RBPAB: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RBPAB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 3.30 Max: 6.7
Current: 3.1
0.6
6.7
Forward Rate of Return (Yacktman) (%) -5.48
RBPAB's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. RBPAB: -5.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RBPAB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.3  Med: 37.60 Max: 166.1
Current: -5.48
-6.3
166.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:RBPAA.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.

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