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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.12
YDKN's Cash to Debt is ranked lower than
91% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. YDKN: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
YDKN' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.68 Max: N/A
Current: 0.12
Equity to Asset 0.13
YDKN's Equity to Asset is ranked higher than
76% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. YDKN: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
YDKN' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 3.17
YDKN's Interest Coverage is ranked higher than
69% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. YDKN: 3.17 )
Ranked among companies with meaningful Interest Coverage only.
YDKN' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 1.37 Max: 3.61
Current: 3.17
0.15
3.61
F-Score: 3
M-Score: -2.08
WACC vs ROIC
5.65%
3.64%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 32.11
YDKN's Operating margin (%) is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. YDKN: 32.11 )
Ranked among companies with meaningful Operating margin (%) only.
YDKN' s Operating margin (%) Range Over the Past 10 Years
Min: -94.78  Med: 13.67 Max: 38.18
Current: 32.11
-94.78
38.18
Net-margin (%) 20.36
YDKN's Net-margin (%) is ranked lower than
58% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. YDKN: 20.36 )
Ranked among companies with meaningful Net-margin (%) only.
YDKN' s Net-margin (%) Range Over the Past 10 Years
Min: -84.76  Med: 9.92 Max: 25.62
Current: 20.36
-84.76
25.62
ROE (%) 6.68
YDKN's ROE (%) is ranked lower than
62% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. YDKN: 6.68 )
Ranked among companies with meaningful ROE (%) only.
YDKN' s ROE (%) Range Over the Past 10 Years
Min: -51.33  Med: 3.94 Max: 11.46
Current: 6.68
-51.33
11.46
ROA (%) 0.87
YDKN's ROA (%) is ranked higher than
50% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. YDKN: 0.87 )
Ranked among companies with meaningful ROA (%) only.
YDKN' s ROA (%) Range Over the Past 10 Years
Min: -4.13  Med: 0.60 Max: 1.29
Current: 0.87
-4.13
1.29
Revenue Growth (3Y)(%) -17.70
YDKN's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. YDKN: -17.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
YDKN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.9  Med: 3.70 Max: 14.8
Current: -17.7
-28.9
14.8
» YDKN's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


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

» Details

Guru Trades

Q2 2015

YDKN Guru Trades in Q2 2015

Jim Simons 467,396 sh (+15.56%)
Westport Asset Management 91,026 sh (unchged)
» More
Q3 2015

YDKN Guru Trades in Q3 2015

John Keeley 9,901 sh (New)
Jim Simons 530,296 sh (+13.46%)
Westport Asset Management 91,026 sh (unchged)
» More
Q4 2015

YDKN Guru Trades in Q4 2015

John Keeley 100,465 sh (+914.70%)
Jim Simons 612,796 sh (+15.56%)
Westport Asset Management 91,026 sh (unchged)
» More
Q1 2016

YDKN Guru Trades in Q1 2016

Jim Simons 769,896 sh (+25.64%)
Westport Asset Management 96,913 sh (+6.47%)
John Keeley 103,915 sh (+3.43%)
» More
» Details

Insider Trades

Latest Guru Trades with YDKN

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

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:UCBI, NAS:CBF, NAS:FFBC, NAS:INDB, NAS:SFBS, NAS:FIBK, NAS:RNST, NAS:LTXB, NAS:NBTB, NAS:BBCN, AMEX:PRK, NAS:SFNC, NAS:WABC, NAS:WSBC, NAS:TLMR, NAS:UBSH, NYSE:FCB, NAS:ABCB, NAS:BANR, AMEX:TMP » details
Yadkin Financial Corp operates as a bank holding company. The Company through its subsidiaries provides general commercial banking and financial services to individuals and small and medium-sized businesses.

Yadkin Financial Corp was incorporated under the laws of North Carolina on March 2, 2006. It is a bank holding company. It conducts its business operations through its wholly-owned subsidiary, Yadkin Bank. Yadkin Bank's primary business is providing banking, mortgage, investment and insurance services to businesses and consumers across the Carolinas. The Company has a single operating segment, which is providing general commercial banking and financial services to individuals and businesses located in North Carolina and South Carolina, and to customers in various states through its SBA lending program. The Company operates branches in North Carolina and South Carolina. From an operational standpoint, management has organized its branches into six regions. The Company provides Commercial and Industrial (C&I) Loans, Commercial Real Estate Loans, Construction Loans, Consumer Loans, Home Equity Lines of Credit and Residential Real Estate Loans, Residential Mortgage Loans and Government-Guaranteed Loans. The Company provides deposit services to businesses and individuals, including non-interest bearing checking accounts, interest-bearing checking accounts, savings accounts, money market accounts, IRAs and CDs. The Company competes in its market areas with regional and national banking organizations, other federally and state-chartered financial institutions such as savings and loan institutions and credit unions, consumer finance companies, mortgage companies and other lenders engaged in the business of extending credit. As a bank holding company, the Company is subject to regulation under the Bank Holding Company Act and to the supervision, examination and reporting requirements of the Board of Governors of the Federal Reserve System, or the Federal Reserve.

Ratios

vs
industry
vs
history
P/E(ttm) 19.70
YDKN's P/E(ttm) is ranked lower than
79% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. YDKN: 19.70 )
Ranked among companies with meaningful P/E(ttm) only.
YDKN' s P/E(ttm) Range Over the Past 10 Years
Min: 2.64  Med: 14.27 Max: 44.71
Current: 19.7
2.64
44.71
Forward P/E 14.81
YDKN's Forward P/E is ranked lower than
71% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. YDKN: 14.81 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.70
YDKN's PE(NRI) is ranked lower than
78% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. YDKN: 19.70 )
Ranked among companies with meaningful PE(NRI) only.
YDKN' s PE(NRI) Range Over the Past 10 Years
Min: 2.64  Med: 14.27 Max: 44.71
Current: 19.7
2.64
44.71
Price/Owner Earnings (ttm) 15.53
YDKN's Price/Owner Earnings (ttm) is ranked lower than
64% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. YDKN: 15.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
YDKN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.93  Med: 10.18 Max: 656.15
Current: 15.53
1.93
656.15
P/B 1.31
YDKN's P/B is ranked lower than
68% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. YDKN: 1.31 )
Ranked among companies with meaningful P/B only.
YDKN' s P/B Range Over the Past 10 Years
Min: 0.02  Med: 1.14 Max: 2
Current: 1.31
0.02
2
P/S 3.97
YDKN's P/S is ranked lower than
71% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. YDKN: 3.97 )
Ranked among companies with meaningful P/S only.
YDKN' s P/S Range Over the Past 10 Years
Min: 0.32  Med: 2.39 Max: 4.27
Current: 3.97
0.32
4.27
PFCF 20.67
YDKN's PFCF is ranked lower than
83% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. YDKN: 20.67 )
Ranked among companies with meaningful PFCF only.
YDKN' s PFCF Range Over the Past 10 Years
Min: 0.27  Med: 9.79 Max: 90.89
Current: 20.67
0.27
90.89
POCF 18.52
YDKN's POCF is ranked lower than
86% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. YDKN: 18.52 )
Ranked among companies with meaningful POCF only.
YDKN' s POCF Range Over the Past 10 Years
Min: 0.26  Med: 8.36 Max: 73.58
Current: 18.52
0.26
73.58
EV-to-EBIT 31.93
YDKN's EV-to-EBIT is ranked lower than
87% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. YDKN: 31.93 )
Ranked among companies with meaningful EV-to-EBIT only.
YDKN' s EV-to-EBIT Range Over the Past 10 Years
Min: -47  Med: 11.40 Max: 197.5
Current: 31.93
-47
197.5
EV-to-EBITDA 27.90
YDKN's EV-to-EBITDA is ranked lower than
88% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. YDKN: 27.90 )
Ranked among companies with meaningful EV-to-EBITDA only.
YDKN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -116  Med: 9.80 Max: 244.6
Current: 27.9
-116
244.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.59
YDKN's Dividend Yield is ranked lower than
78% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. YDKN: 1.59 )
Ranked among companies with meaningful Dividend Yield only.
YDKN' s Dividend Yield Range Over the Past 10 Years
Min: 0.39  Med: 2.57 Max: 16.62
Current: 1.59
0.39
16.62
Dividend Payout 0.23
YDKN's Dividend Payout is ranked higher than
71% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. YDKN: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
YDKN' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.37 Max: 1.73
Current: 0.23
0.27
1.73
Forward Dividend Yield 1.59
YDKN's Forward Dividend Yield is ranked lower than
83% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. YDKN: 1.59 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.58
YDKN's Yield on cost (5-Year) is ranked lower than
81% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. YDKN: 1.58 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
YDKN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.39  Med: 2.57 Max: 16.62
Current: 1.58
0.39
16.62
3-Year Average Share Buyback Ratio -30.20
YDKN's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. YDKN: -30.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
YDKN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -290.4  Med: -19.20 Max: 71.1
Current: -30.2
-290.4
71.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.05
YDKN's Price/Tangible Book is ranked lower than
84% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. YDKN: 2.05 )
Ranked among companies with meaningful Price/Tangible Book only.
YDKN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.03  Med: 0.63 Max: 3.96
Current: 2.05
0.03
3.96
Price/Projected FCF 1.07
YDKN's Price/Projected FCF is ranked lower than
80% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. YDKN: 1.07 )
Ranked among companies with meaningful Price/Projected FCF only.
YDKN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.63 Max: 2.21
Current: 1.07
0.09
2.21
Price/Median PS Value 1.67
YDKN's Price/Median PS Value is ranked lower than
92% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. YDKN: 1.67 )
Ranked among companies with meaningful Price/Median PS Value only.
YDKN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.14  Med: 1.34 Max: 14.16
Current: 1.67
0.14
14.16
Price/Graham Number 1.34
YDKN's Price/Graham Number is ranked lower than
84% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. YDKN: 1.34 )
Ranked among companies with meaningful Price/Graham Number only.
YDKN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.13  Med: 0.34 Max: 2.13
Current: 1.34
0.13
2.13
Earnings Yield (Greenblatt) (%) 3.08
YDKN's Earnings Yield (Greenblatt) (%) is ranked lower than
80% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. YDKN: 3.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
YDKN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 7.10 Max: 5512649.6
Current: 3.08
0.5
5512649.6
Forward Rate of Return (Yacktman) (%) 15.10
YDKN's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. YDKN: 15.10 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
YDKN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -41.5  Med: 17.90 Max: 67
Current: 15.1
-41.5
67

More Statistics

Revenue (TTM) (Mil) $239.9
EPS (TTM) $ 1.28
Beta0.69
Short Percentage of Float4.33%
52-Week Range $18.80 - 28.23
Shares Outstanding (Mil)51.50

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 298 338 362
EPS ($) 1.68 1.92 2.05
EPS w/o NRI ($) 1.68 1.92 2.05
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($) 0.92 0.48
» More Articles for YDKN

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: GSVC, SHO, YAVY, CMCSA, ANAC May 16 2011 
Yadkin Valley Financial Corp. Reports Operating Results (10-K) Mar 10 2011 
Yadkin Valley Financial Corp. Reports Operating Results (10-Q) Oct 29 2010 
Yadkin Valley Financial Corp. Reports Operating Results (10-Q) Aug 04 2010 
Yadkin Valley Financial Corp. (YAVY) CFO Jan H Hollar buys 3,000 Shares May 10 2010 
Yadkin Valley Financial Corp. (YAVY) CEO William A Long buys 1,000 Shares May 06 2010 
Yadkin Valley Financial Corp. (YAVY) CFO Jan H Hollar buys 2,000 Shares May 06 2010 
Yadkin Valley Financial Corp. Reports Operating Results (10-Q) May 04 2010 
Weekly CFO Buys Highlight: Endeavour International Corp., WESCO International Inc., Verizon Communic Feb 13 2010 
Weekly CFO Buys Highlight: WESCO International Inc., MIPS Technologies Inc., FieldPoint Petroleum Co Feb 08 2010 

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