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 2.80
ROMA's Cash to Debt is ranked higher than
80% of the 1274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ROMA: 2.80 )
ROMA' s 10-Year Cash to Debt Range
Min: 1.04   Max: No Debt
Current: 2.8

Equity to Asset 0.13
ROMA's Equity to Asset is ranked higher than
81% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ROMA: 0.13 )
ROMA' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.27
Current: 0.13

0.11
0.27
Interest Coverage 0.11
ROMA's Interest Coverage is ranked lower than
56% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ROMA: 0.11 )
ROMA' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.63
Current: 0.11

0.11
0.63
F-Score: 2
Z-Score: 0.40
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 (%) 2.84
ROMA's Operating margin (%) is ranked lower than
53% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. ROMA: 2.84 )
ROMA' s 10-Year Operating margin (%) Range
Min: 2.84   Max: 35.03
Current: 2.84

2.84
35.03
Net-margin (%) 1.07
ROMA's Net-margin (%) is ranked lower than
54% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.45 vs. ROMA: 1.07 )
ROMA' s 10-Year Net-margin (%) Range
Min: 1.07   Max: 33.49
Current: 1.07

1.07
33.49
ROE (%) 0.29
ROMA's ROE (%) is ranked lower than
51% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.96 vs. ROMA: 0.29 )
ROMA' s 10-Year ROE (%) Range
Min: 0.29   Max: 6.64
Current: 0.29

0.29
6.64
ROA (%) 0.03
ROMA's ROA (%) is ranked lower than
54% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. ROMA: 0.03 )
ROMA' s 10-Year ROA (%) Range
Min: 0.03   Max: 1.24
Current: 0.03

0.03
1.24
ROC (Joel Greenblatt) (%) 3.52
ROMA's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 1430 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. ROMA: 3.52 )
ROMA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.52   Max: 33.84
Current: 3.52

3.52
33.84
Revenue Growth (%) 18.80
ROMA's Revenue Growth (%) is ranked higher than
95% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ROMA: 18.80 )
ROMA' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 22.1
Current: 18.8

0
22.1
EBITDA Growth (%) -30.70
ROMA's EBITDA Growth (%) is ranked higher than
52% of the 1123 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ROMA: -30.70 )
ROMA' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 169.2
Current: -30.7

0
169.2
EPS Growth (%) -39.40
ROMA's EPS Growth (%) is ranked higher than
50% of the 1105 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.50 vs. ROMA: -39.40 )
ROMA' s 10-Year EPS Growth (%) Range
Min: 0   Max: 15.3
Current: -39.4

0
15.3
» ROMA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

ROMA Guru Trades in Q1 2013

Jim Simons 226,109 sh (+0.04%)
» More
Q2 2013

ROMA Guru Trades in Q2 2013

Jim Simons 227,409 sh (+0.57%)
» More
Q3 2013

ROMA Guru Trades in Q3 2013

Jim Simons 238,309 sh (+4.79%)
» More
Q4 2013

ROMA Guru Trades in Q4 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ROMA



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 1914.50
ROMA's P/E(ttm) is ranked lower than
70% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.70 vs. ROMA: 1914.50 )
ROMA' s 10-Year P/E(ttm) Range
Min: 35.77   Max: 1914.55
Current: 1914.5

35.77
1914.55
P/B 2.93
ROMA's P/B is ranked lower than
68% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ROMA: 2.93 )
ROMA' s 10-Year P/B Range
Min: 1.09   Max: 2.93
Current: 2.93

1.09
2.93
P/S 11.57
ROMA's P/S is ranked lower than
86% of the 1640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. ROMA: 11.57 )
ROMA' s 10-Year P/S Range
Min: 3.95   Max: 35.87
Current: 11.57

3.95
35.87
EV-to-EBIT 545.82
ROMA's EV-to-EBIT is ranked lower than
78% of the 1410 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.82 vs. ROMA: 545.82 )
ROMA' s 10-Year EV-to-EBIT Range
Min: 13.7   Max: 437.5
Current: 545.82

13.7
437.5
PEG 361.23
ROMA's PEG is ranked lower than
70% of the 849 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.02 vs. ROMA: 361.23 )
ROMA' s 10-Year PEG Range
Min: 1.14   Max: 21.96
Current: 361.23

1.14
21.96
Shiller P/E 148.61
ROMA's Shiller P/E is ranked lower than
73% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.04 vs. ROMA: 148.61 )
ROMA' s 10-Year Shiller P/E Range
Min: 32.79   Max: 150.43
Current: 148.61

32.79
150.43

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.96
ROMA's Price/Tangible Book is ranked lower than
66% of the 1362 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. ROMA: 2.96 )
ROMA' s 10-Year Price/Tangible Book Range
Min: 1.15   Max: 2.61
Current: 2.96

1.15
2.61
Price/DCF (Projected) 3.41
ROMA's Price/DCF (Projected) is ranked lower than
70% of the 904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. ROMA: 3.41 )
ROMA' s 10-Year Price/DCF (Projected) Range
Min: 1.09   Max: 3.01
Current: 3.41

1.09
3.01
Price/Median PS Value 1.18
ROMA's Price/Median PS Value is ranked lower than
55% of the 1478 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ROMA: 1.18 )
ROMA' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 7.85
Current: 1.18

0.42
7.85
Price/Peter Lynch Fair Value 351.00
ROMA's Price/Peter Lynch Fair Value is ranked lower than
273% of the 444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. ROMA: 351.00 )
ROMA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.48   Max: 309.83
Current: 351

1.48
309.83
Price/Graham Number 25.68
ROMA's Price/Graham Number is ranked lower than
71% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. ROMA: 25.68 )
ROMA' s 10-Year Price/Graham Number Range
Min: 1.37   Max: 22.67
Current: 25.68

1.37
22.67
Earnings Yield (Greenblatt) 0.20
ROMA's Earnings Yield (Greenblatt) is ranked lower than
67% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. ROMA: 0.20 )
ROMA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 7.3
Current: 0.2

0.2
7.3
Forward Rate of Return (Yacktman) -20.38
ROMA's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 1095 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.48 vs. ROMA: -20.38 )
ROMA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.2   Max: 66.5
Current: -20.38

-20.2
66.5

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Roma Financial Corporation was organized in January 2005 for the purpose of acquiring all of the capital stock that Roma Bank issued in its mutual holding company reorganization. Roma Financial Corporation, MHC is a federally-chartered mutual holding company that was formed in connection with the mutual holding company reorganization. The MHC and the Company are now regulated as savings and loan holding companies by the Board of Governors of the Federal Researve Bank as successors to the Office of Thrift Supervision ("OTS") under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Banks offer traditional retail banking services, one-to four-family residential mortgage loans, multi-family and commercial mortgage loans, construction loans, commercial business loans and consumer loans, including home equity loans and lines of credit. Its current deposit products include checking and savings accounts, money market, and certificates of deposit accounts ranging in terms from ninety-one days to seven years, and individual retirement accounts. Roma Bank operates from its main office in Robbinsville, New Jersey, and twenty-three branch offices located in Mercer, Burlington, Camden and Ocean Counties, New Jersey. RomAsia Bank operates from two branches located in Monmouth Junction and Edison, New Jersey. Its competition for deposits and loans historically has come from other insured financial institutions such as local and regional commercial banks, savings institutions, de novo banks, and credit unions located in its primary market area. It also competes with mortgage banking and finance companies for real estate loans and with commercial banks and savings institutions for consumer and commercial loans, and it faces competition for funds from investment products such as mutual funds, short-term money funds and corporate and government securities. The Company is subject to regulation and examination by the Federal Reserve, as successor to the OTS.

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
Hide