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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 0.45
YDKN's Cash to Debt is ranked higher than
64% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. YDKN: 0.45 )
YDKN' s 10-Year Cash to Debt Range
Min: 0.13   Max: 7.17
Current: 0.45

0.13
7.17
Equity to Asset 0.10
YDKN's Equity to Asset is ranked higher than
67% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. YDKN: 0.10 )
YDKN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.1

0.06
0.12
Interest Coverage 2.85
YDKN's Interest Coverage is ranked higher than
84% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. YDKN: 2.85 )
YDKN' s 10-Year Interest Coverage Range
Min: 0.15   Max: 2.85
Current: 2.85

0.15
2.85
F-Score: 6
Z-Score: 0.15
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 (%) 35.44
YDKN's Operating margin (%) is ranked higher than
81% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. YDKN: 35.44 )
YDKN' s 10-Year Operating margin (%) Range
Min: -94.78   Max: 54.64
Current: 35.44

-94.78
54.64
Net-margin (%) 22.83
YDKN's Net-margin (%) is ranked higher than
77% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. YDKN: 22.83 )
YDKN' s 10-Year Net-margin (%) Range
Min: -84.76   Max: 35.99
Current: 22.83

-84.76
35.99
ROE (%) 10.21
YDKN's ROE (%) is ranked higher than
82% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. YDKN: 10.21 )
YDKN' s 10-Year ROE (%) Range
Min: -49.29   Max: 15.69
Current: 10.21

-49.29
15.69
ROA (%) 1.04
YDKN's ROA (%) is ranked higher than
83% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. YDKN: 1.04 )
YDKN' s 10-Year ROA (%) Range
Min: -3.55   Max: 1.81
Current: 1.04

-3.55
1.81
ROC (Joel Greenblatt) (%) 68.01
YDKN's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. YDKN: 68.01 )
YDKN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -192.32   Max: 220.66
Current: 68.01

-192.32
220.66
Revenue Growth (%) -28.90
YDKN's Revenue Growth (%) is ranked lower than
52% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. YDKN: -28.90 )
YDKN' s 10-Year Revenue Growth (%) Range
Min: -28.9   Max: 14.8
Current: -28.9

-28.9
14.8
EBITDA Growth (%) 62.10
YDKN's EBITDA Growth (%) is ranked higher than
96% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. YDKN: 62.10 )
YDKN' s 10-Year EBITDA Growth (%) Range
Min: -57.2   Max: 62.1
Current: 62.1

-57.2
62.1
» YDKN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

YDKN Guru Trades in Q1 2013

Michael Price 1,071,420 sh (unchged)
» More
Q2 2013

YDKN Guru Trades in Q2 2013

Jim Simons 46,628 sh (New)
Michael Price 357,140 sh (-66.67%)
» More
Q3 2013

YDKN Guru Trades in Q3 2013

Jim Simons 84,729 sh (+81.71%)
Michael Price 357,140 sh (unchged)
» More
Q4 2013

YDKN Guru Trades in Q4 2013

Jim Simons 94,629 sh (+11.68%)
Michael Price 357,140 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with YDKN

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2013-06-30 Reduce -66.67%0.37%$11.55 - $14.04 $ 19.4858%357140
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.50
YDKN's P/E(ttm) is ranked higher than
57% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. YDKN: 16.50 )
YDKN' s 10-Year P/E(ttm) Range
Min: 2.72   Max: 44.23
Current: 16.5

2.72
44.23
P/B 1.80
YDKN's P/B is ranked lower than
60% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. YDKN: 1.80 )
YDKN' s 10-Year P/B Range
Min: 0.02   Max: 3.75
Current: 1.8

0.02
3.75
P/S 3.40
YDKN's P/S is ranked lower than
55% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. YDKN: 3.40 )
YDKN' s 10-Year P/S Range
Min: 0.32   Max: 5.52
Current: 3.4

0.32
5.52
PFCF 7.30
YDKN's PFCF is ranked higher than
59% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. YDKN: 7.30 )
YDKN' s 10-Year PFCF Range
Min: 0.27   Max: 78.64
Current: 7.3

0.27
78.64
EV-to-EBIT 13.30
YDKN's EV-to-EBIT is ranked higher than
73% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. YDKN: 13.30 )
YDKN' s 10-Year EV-to-EBIT Range
Min: 7   Max: 69.6
Current: 13.3

7
69.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
YDKN's Price/Tangible Book is ranked lower than
54% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. YDKN: 1.80 )
YDKN' s 10-Year Price/Tangible Book Range
Min: 0.04   Max: 3.27
Current: 1.8

0.04
3.27
Price/DCF (Projected) 0.60
YDKN's Price/DCF (Projected) is ranked higher than
67% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. YDKN: 0.60 )
YDKN' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.77
Current: 0.6

0.1
0.77
Price/Median PS Value 1.20
YDKN's Price/Median PS Value is ranked lower than
57% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. YDKN: 1.20 )
YDKN' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 2.47
Current: 1.2

0.12
2.47
Price/Graham Number 1.00
YDKN's Price/Graham Number is ranked higher than
59% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. YDKN: 1.00 )
YDKN' s 10-Year Price/Graham Number Range
Min: 0.02   Max: 1.84
Current: 1

0.02
1.84
Earnings Yield (Greenblatt) 7.50
YDKN's Earnings Yield (Greenblatt) is ranked higher than
76% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. YDKN: 7.50 )
YDKN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 14.4
Current: 7.5

1.4
14.4
Forward Rate of Return (Yacktman) 9.98
YDKN's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. YDKN: 9.98 )
YDKN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10.9   Max: 43
Current: 9.98

10.9
43

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Yadkin Financial Corp, formerly Yadkin Valley Financial Corporation is a bank holding company incorporated under the laws of North Carolina to serve as the holding company for Yadkin Valley Bank and Trust Company, a North Carolina chartered commercial bank with its deposits insured by the Federal Deposit Insurance Corporation ("FDIC") up to applicable limits. The bank's operations are mainly retail oriented and directed toward individuals and small and medium-sized businesses located in its banking market and, to a lesser extent, areas surrounding its immediate banking market. It provides most traditional commercial and consumer banking services, but its main activities are the taking of demand and time deposits and the making of consumer and commercial loans. The bank's main source of revenue is the interest income derived from its lending activities. Its loan portfolio includes consumer and commercial loans, home equity loans, home mortgages, commercial real estate construction and mortgage loans, residential real estate construction and development loans, installment loans, and commercial mortgage loans. Services include mortgage brokerage, insurance, investment, and automated teller machines. The Bank also competes for deposits in the Yadkin Market with other financial institutions such as credit unions, consumer finance companies, insurance companies, brokerage companies, agencies issuing United States government securities and other financial institutions with varying degrees of regulatory restrictions. As a bank holding company under the Bank Holding Company Act of 1956, as amended, the Company is registered with and subject to regulation by the Federal Reserve.

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