Switch to:

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 0.19
RCKB's Cash to Debt is ranked higher than
53% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. RCKB: 0.19 )
RCKB' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.19

Equity to Asset 0.13
RCKB's Equity to Asset is ranked higher than
88% of the 1647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. RCKB: 0.13 )
RCKB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.19
Current: 0.13

0.07
0.19
Interest Coverage 1.87
RCKB's Interest Coverage is ranked higher than
74% of the 1502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. RCKB: 1.87 )
RCKB' s 10-Year Interest Coverage Range
Min: 0.3   Max: 2.05
Current: 1.87

0.3
2.05
F-Score: 3
Z-Score: 0.13
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 : 7/10

vs
industry
vs
history
Operating margin (%) 23.30
RCKB's Operating margin (%) is ranked higher than
65% of the 1646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.41 vs. RCKB: 23.30 )
RCKB' s 10-Year Operating margin (%) Range
Min: -331.76   Max: 30.16
Current: 23.3

-331.76
30.16
Net-margin (%) 16.92
RCKB's Net-margin (%) is ranked higher than
66% of the 1665 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. RCKB: 16.92 )
RCKB' s 10-Year Net-margin (%) Range
Min: -4.72   Max: 147.49
Current: 16.92

-4.72
147.49
ROE (%) 4.75
RCKB's ROE (%) is ranked higher than
60% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. RCKB: 4.75 )
RCKB' s 10-Year ROE (%) Range
Min: -1.09   Max: 10.25
Current: 4.75

-1.09
10.25
ROA (%) 0.62
RCKB's ROA (%) is ranked higher than
67% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. RCKB: 0.62 )
RCKB' s 10-Year ROA (%) Range
Min: -0.1   Max: 0.88
Current: 0.62

-0.1
0.88
ROC (Joel Greenblatt) (%) 79.37
RCKB's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. RCKB: 79.37 )
RCKB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.43   Max: 127.3
Current: 79.37

-249.43
127.3
Revenue Growth (%) 12.40
RCKB's Revenue Growth (%) is ranked higher than
93% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. RCKB: 12.40 )
RCKB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 24.2
Current: 12.4

0
24.2
EBITDA Growth (%) 4.40
RCKB's EBITDA Growth (%) is ranked higher than
70% of the 1306 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. RCKB: 4.40 )
RCKB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 13.6
Current: 4.4

0
13.6
EPS Growth (%) 7.10
RCKB's EPS Growth (%) is ranked higher than
72% of the 1296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. RCKB: 7.10 )
RCKB' s 10-Year EPS Growth (%) Range
Min: 0   Max: 17
Current: 7.1

0
17
» RCKB's 10-Y Financials

Financials


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

» Details

Guru Trades

RCKB Guru Trades in

Q4 2013

RCKB Guru Trades in Q4 2013

John Keeley 361,000 sh (-80.2%)
» More
Q1 2014

RCKB Guru Trades in Q1 2014

Jim Simons 647,310 sh (New)
John Keeley 361,000 sh (unchged)
» More
Q2 2014

RCKB Guru Trades in Q2 2014

Jim Simons Sold Out
John Keeley Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with RCKB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 79.80
RCKB's P/E(ttm) is ranked lower than
53% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.10 vs. RCKB: 79.80 )
RCKB' s 10-Year P/E(ttm) Range
Min: 20.7   Max: 1008.57
Current: 79.8

20.7
1008.57
P/B 0.50
RCKB's P/B is ranked higher than
94% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. RCKB: 0.50 )
RCKB' s 10-Year P/B Range
Min: 0.5   Max: 7.65
Current: 0.5

0.5
7.65
P/S 3.70
RCKB's P/S is ranked lower than
55% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.06 vs. RCKB: 3.70 )
RCKB' s 10-Year P/S Range
Min: 3.59   Max: 14.61
Current: 3.7

3.59
14.61
EV-to-EBIT 105.68
RCKB's EV-to-EBIT is ranked higher than
56% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.09 vs. RCKB: 105.68 )
RCKB' s 10-Year EV-to-EBIT Range
Min: 17.9   Max: 1293.4
Current: 105.68

17.9
1293.4
PEG 8.66
RCKB's PEG is ranked higher than
75% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. RCKB: 8.66 )
RCKB' s 10-Year PEG Range
Min: 0.49   Max: 23.43
Current: 8.66

0.49
23.43
Shiller P/E 36.11
RCKB's Shiller P/E is ranked higher than
66% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 55.69 vs. RCKB: 36.11 )
RCKB' s 10-Year Shiller P/E Range
Min: 29.5   Max: 53.57
Current: 36.11

29.5
53.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.16
RCKB's Dividend Yield is ranked higher than
65% of the 1412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.46 vs. RCKB: 3.16 )
RCKB' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.2
Current: 3.16

0.25
3.2
Dividend Payout 0.98
RCKB's Dividend Payout is ranked higher than
52% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.49 vs. RCKB: 0.98 )
RCKB' s 10-Year Dividend Payout Range
Min: 0.33   Max: 2.5
Current: 0.98

0.33
2.5
Dividend growth (3y) 17.80
RCKB's Dividend growth (3y) is ranked higher than
88% of the 977 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. RCKB: 17.80 )
RCKB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 17.8

0
35.7
Yield on cost (5-Year) 7.67
RCKB's Yield on cost (5-Year) is ranked higher than
91% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. RCKB: 7.67 )
RCKB' s 10-Year Yield on cost (5-Year) Range
Min: 0.61   Max: 7.77
Current: 7.67

0.61
7.77
Share Buyback Rate 2.10
RCKB's Share Buyback Rate is ranked higher than
95% of the 1238 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. RCKB: 2.10 )
RCKB' s 10-Year Share Buyback Rate Range
Min: 0   Max: -15.9
Current: 2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.62
RCKB's Price/Tangible Book is ranked higher than
93% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. RCKB: 0.62 )
RCKB' s 10-Year Price/Tangible Book Range
Min: 0.67   Max: 6.81
Current: 0.62

0.67
6.81
Price/DCF (Projected) 0.82
RCKB's Price/DCF (Projected) is ranked higher than
75% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. RCKB: 0.82 )
RCKB' s 10-Year Price/DCF (Projected) Range
Min: 0.68   Max: 2.69
Current: 0.82

0.68
2.69
Price/Median PS Value 0.70
RCKB's Price/Median PS Value is ranked higher than
92% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. RCKB: 0.70 )
RCKB' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 2.23
Current: 0.7

0.74
2.23
Price/Graham Number 2.28
RCKB's Price/Graham Number is ranked lower than
53% of the 1831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. RCKB: 2.28 )
RCKB' s 10-Year Price/Graham Number Range
Min: 1.01   Max: 6.05
Current: 2.28

1.01
6.05
Earnings Yield (Greenblatt) 0.90
RCKB's Earnings Yield (Greenblatt) is ranked lower than
61% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. RCKB: 0.90 )
RCKB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.6
Current: 0.9

0.1
5.6
Forward Rate of Return (Yacktman) 6.33
RCKB's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.09 vs. RCKB: 6.33 )
RCKB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.4   Max: 54
Current: 6.33

3.4
54

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Rockville Financial, Inc. was incorporated under the laws of Connecticut in 2004. The bank is a provider of traditional banking products and services to business organizations and individuals, offering products such as residential, commercial real estate, commercial business and consumer loans and a variety of deposit products. It serves the financial service needs of the local community and provides quality service to the individuals, families, professionals and businesses in the market areas it serves. One of its main lending activities consists of the origination of one-to-four family residential mortgage loans that are mainly secured by properties located in Hartford, New London and Tolland Counties in Connecticut. It originates commercial real estate loans and loans on owner occupied properties used for a variety of business purposes including small office buildings, industrial facilities and retail facilities. The company offers commercial construction loans including real estate subdivision development loans to licensed contractors and builders for the construction and development of commercial real estate projects and one-to-four family residential properties. The Bank offers adjustable rate (ARM) mortgages which do not contain interest-only or negative amortization features & also offer home equity loans and home equity lines of credit, both of which are secured by owner-occupied one-to-four family residences. The Company is subject to strong competition from banks and other financial institutions, including savings and loan associations, commercial banks, finance and mortgage companies, credit unions, consumer finance companies, brokerage firms and insurance companies. It operates in a primarily suburban market area that has a stable population and household base. All of current branch offices are located in Connecticut in Hartford, New London and Tolland Counties. Rockville Bank is subject to regulation by the Connecticut Banking Department, as its chartering agency, and by the Federal Deposit Insurance Corporation, as its deposit insurer.
» More Articles for RCKB

Headlines

Articles On GuruFocus.com
Rockville Financial Inc. Reports Operating Results (10-Q) Nov 09 2010 
Rockville Financial Inc. Reports Operating Results (10-Q) May 10 2010 
Rockville Financial Inc. Reports Operating Results (10-Q) Nov 09 2009 

More From Other Websites
United Bank Continues to Build its Presence in Fairfield County; Recruits a Commercial Lending Team... Aug 12 2014
John Coleman of Trumbull Joins United Bank’s Mortgage Banking Team Jul 17 2014
Housing Education Resource Center Receives Grant from the Rockville Bank Foundation Jul 14 2014
David B. Reynolds, Jr. Joins United Northeast Financial Advisors Jul 11 2014
United To Open Branches in Glastonbury & East Hartford Jul 09 2014
ROCKVILLE FINANCIAL, INC. /CT/ Files SEC form 8-K, Completion of Acquisition or Disposition of... May 02 2014
Analyst Favorites With Strong Buyback Activity: Rockville Financial Ranks As A Top Pick Apr 29 2014
ROCKVILLE FINANCIAL, INC. /CT/ Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 10 2014
Rockville Financial shareholders approve merger with United Financial Apr 08 2014
Rockville Financial, United Financial receive regulatory approval for merger Mar 31 2014
ROCKVILLE FINANCIAL, INC. /CT/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 31 2014
Rockville Bank Hires Harry Sessa; A Local Mortgage Banker with Nearly 25 Years of Experience - March... Mar 24 2014
ROCKVILLE FINANCIAL, INC. /CT/ Financials Mar 19 2014
Rockville Financial, Inc. and United Financial Bancorp, Inc. Receive Regulatory Approvals for Merger Mar 18 2014
Rockville Financial, United Financial get regulatory approval for merger Mar 18 2014
ROCKVILLE FINANCIAL, INC. /CT/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 18 2014
ROCKVILLE FINANCIAL, INC. /CT/ Files SEC form 10-K, Annual Report Mar 14 2014
Rockville Bank Recruits Another Leading Mortgage Lender to Enhance its Consumer Lending Team -... Feb 26 2014
ROCKVILLE FINANCIAL, INC. /CT/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 20 2014
Analyst Favorites With Strong Buyback Activity: Rockville Financial Ranks As A Top Pick Feb 12 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Email Hide