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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 0.23
RBPAB's Cash to Debt is ranked higher than
54% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. RBPAB: 0.23 )
RBPAB' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.23

Equity to Asset 0.08
RBPAB's Equity to Asset is ranked higher than
61% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RBPAB: 0.08 )
RBPAB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.26
Current: 0.08

0.07
0.26
Interest Coverage 0.21
RBPAB's Interest Coverage is ranked lower than
54% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. RBPAB: 0.21 )
RBPAB' s 10-Year Interest Coverage Range
Min: 0.21   Max: 1.41
Current: 0.21

0.21
1.41
F-Score: 4
Z-Score: -0.16
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 : 6/10

vs
industry
vs
history
Operating margin (%) 5.82
RBPAB's Operating margin (%) is ranked higher than
50% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. RBPAB: 5.82 )
RBPAB' s 10-Year Operating margin (%) Range
Min: -188.2   Max: 64.41
Current: 5.82

-188.2
64.41
Net-margin (%) 7.80
RBPAB's Net-margin (%) is ranked higher than
52% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. RBPAB: 7.80 )
RBPAB' s 10-Year Net-margin (%) Range
Min: -201.84   Max: 46.13
Current: 7.8

-201.84
46.13
ROE (%) 4.44
RBPAB's ROE (%) is ranked higher than
58% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. RBPAB: 4.44 )
RBPAB' s 10-Year ROE (%) Range
Min: -47.79   Max: 20.61
Current: 4.44

-47.79
20.61
ROA (%) 0.29
RBPAB's ROA (%) is ranked higher than
56% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. RBPAB: 0.29 )
RBPAB' s 10-Year ROA (%) Range
Min: -3.24   Max: 2.87
Current: 0.29

-3.24
2.87
ROC (Joel Greenblatt) (%) 35.15
RBPAB's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. RBPAB: 35.15 )
RBPAB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -415.87   Max: 534.55
Current: 35.15

-415.87
534.55
Revenue Growth (%) -11.50
RBPAB's Revenue Growth (%) is ranked higher than
54% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RBPAB: -11.50 )
RBPAB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 19.4
Current: -11.5

0
19.4
EPS Growth (%) -100.00
RBPAB's EPS Growth (%) is ranked lower than
52% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. RBPAB: -100.00 )
RBPAB' s 10-Year EPS Growth (%) Range
Min: -100   Max: 22.5
Current: -100

-100
22.5
» RBPAB's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with RBPAB

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Ratios

vs
industry
vs
history
P/E(ttm) 6.60
RBPAB's P/E(ttm) is ranked higher than
95% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. RBPAB: 6.60 )
RBPAB' s 10-Year P/E(ttm) Range
Min: 6.43   Max: 492
Current: 6.6

6.43
492
P/B 0.70
RBPAB's P/B is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RBPAB: 0.70 )
RBPAB' s 10-Year P/B Range
Min: 0.14   Max: 2.58
Current: 0.7

0.14
2.58
P/S 0.70
RBPAB's P/S is ranked higher than
97% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. RBPAB: 0.70 )
RBPAB' s 10-Year P/S Range
Min: 0.31   Max: 204
Current: 0.7

0.31
204
PFCF 11.90
RBPAB's PFCF is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. RBPAB: 11.90 )
RBPAB' s 10-Year PFCF Range
Min: 0.38   Max: 2389.2
Current: 11.9

0.38
2389.2
EV-to-EBIT 33.64
RBPAB's EV-to-EBIT is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. RBPAB: 33.64 )
RBPAB' s 10-Year EV-to-EBIT Range
Min: 14.9   Max: 167.8
Current: 33.64

14.9
167.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
RBPAB's Price/Tangible Book is ranked higher than
93% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. RBPAB: 0.70 )
RBPAB' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.67
Current: 0.7

0.2
2.67
Price/DCF (Projected) 0.10
RBPAB's Price/DCF (Projected) is ranked higher than
98% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. RBPAB: 0.10 )
RBPAB' s 10-Year Price/DCF (Projected) Range
Min: 0.06   Max: 1.72
Current: 0.1

0.06
1.72
Price/Median PS Value 0.24
RBPAB's Price/Median PS Value is ranked higher than
99% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. RBPAB: 0.24 )
RBPAB' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 62.33
Current: 0.24

0.13
62.33
Price/Graham Number 0.21
RBPAB's Price/Graham Number is ranked higher than
99% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. RBPAB: 0.21 )
RBPAB' s 10-Year Price/Graham Number Range
Min: 0.24   Max: 3.43
Current: 0.21

0.24
3.43
Earnings Yield (Greenblatt) 3.00
RBPAB's Earnings Yield (Greenblatt) is ranked higher than
51% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. RBPAB: 3.00 )
RBPAB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 6.7
Current: 3

0.6
6.7
Forward Rate of Return (Yacktman) 67.75
RBPAB's Forward Rate of Return (Yacktman) is ranked higher than
94% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. RBPAB: 67.75 )
RBPAB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.4   Max: 101.8
Current: 67.75

-4.4
101.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:RBPAA.USA
Royal Bancshares of Pennsylvania 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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