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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.23
YDKN's Cash to Debt is ranked lower than
81% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. YDKN: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
YDKN' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.74 Max: N/A
Current: 0.23
Equity to Asset 0.13
YDKN's Equity to Asset is ranked higher than
76% of the 1337 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.11 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 1.94
YDKN's Interest Coverage is ranked higher than
55% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. YDKN: 1.94 )
Ranked among companies with meaningful Interest Coverage only.
YDKN' s 10-Year Interest Coverage Range
Min: 0.15  Med: 0.88 Max: 1.94
Current: 1.94
0.15
1.94
F-Score: 4
WACC vs ROIC
5.40%
4.91%
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 (%) 23.98
YDKN's Operating margin (%) is ranked lower than
64% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. YDKN: 23.98 )
Ranked among companies with meaningful Operating margin (%) only.
YDKN' s 10-Year Operating margin (%) Range
Min: -94.78  Med: 35.39 Max: 54.64
Current: 23.98
-94.78
54.64
Net-margin (%) 18.28
YDKN's Net-margin (%) is ranked lower than
62% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. YDKN: 18.28 )
Ranked among companies with meaningful Net-margin (%) only.
YDKN' s 10-Year Net-margin (%) Range
Min: -84.76  Med: 23.90 Max: 35.99
Current: 18.28
-84.76
35.99
ROE (%) 6.92
YDKN's ROE (%) is ranked lower than
60% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. YDKN: 6.92 )
Ranked among companies with meaningful ROE (%) only.
YDKN' s 10-Year ROE (%) Range
Min: -51.33  Med: 10.04 Max: 16.16
Current: 6.92
-51.33
16.16
ROA (%) 0.94
YDKN's ROA (%) is ranked higher than
58% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. YDKN: 0.94 )
Ranked among companies with meaningful ROA (%) only.
YDKN' s 10-Year ROA (%) Range
Min: -4.13  Med: 1.15 Max: 1.88
Current: 0.94
-4.13
1.88
Revenue Growth (3Y)(%) -17.60
YDKN's Revenue Growth (3Y)(%) is ranked lower than
91% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. YDKN: -17.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
YDKN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -17.6  Med: 4.55 Max: 14.8
Current: -17.6
-17.6
14.8
» YDKN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

YDKN Guru Trades in Q2 2014

Jim Simons 204,844 sh (+11.26%)
Michael Price 187,100 sh (-36.75%)
» More
Q3 2014

YDKN Guru Trades in Q3 2014

Westport Asset Management 141,026 sh (New)
Jim Simons 267,722 sh (+30.70%)
Michael Price 150,700 sh (-19.45%)
» More
Q4 2014

YDKN Guru Trades in Q4 2014

Jim Simons 380,542 sh (+42.14%)
Michael Price Sold Out
Westport Asset Management 91,026 sh (-35.45%)
» More
Q1 2015

YDKN Guru Trades in Q1 2015

Jim Simons 404,478 sh (+6.29%)
Westport Asset Management 91,026 sh (unchged)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 20.86
YDKN's P/E(ttm) is ranked lower than
77% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. YDKN: 20.86 )
Ranked among companies with meaningful P/E(ttm) only.
YDKN' s 10-Year P/E(ttm) Range
Min: 2.72  Med: 14.47 Max: 44.23
Current: 20.86
2.72
44.23
Forward P/E 12.79
YDKN's Forward P/E is ranked lower than
56% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. YDKN: 12.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.60
YDKN's PE(NRI) is ranked lower than
77% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. YDKN: 20.60 )
Ranked among companies with meaningful PE(NRI) only.
YDKN' s 10-Year PE(NRI) Range
Min: 2.73  Med: 14.48 Max: 43.85
Current: 20.6
2.73
43.85
P/B 1.26
YDKN's P/B is ranked lower than
63% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. YDKN: 1.26 )
Ranked among companies with meaningful P/B only.
YDKN' s 10-Year P/B Range
Min: 0.02  Med: 0.94 Max: 2
Current: 1.26
0.02
2
P/S 3.27
YDKN's P/S is ranked lower than
61% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. YDKN: 3.27 )
Ranked among companies with meaningful P/S only.
YDKN' s 10-Year P/S Range
Min: 0.32  Med: 2.20 Max: 4.3
Current: 3.27
0.32
4.3
PFCF 35.85
YDKN's PFCF is ranked lower than
89% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. YDKN: 35.85 )
Ranked among companies with meaningful PFCF only.
YDKN' s 10-Year PFCF Range
Min: 0.27  Med: 6.72 Max: 97.92
Current: 35.85
0.27
97.92
POCF 24.72
YDKN's POCF is ranked lower than
88% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. YDKN: 24.72 )
Ranked among companies with meaningful POCF only.
YDKN' s 10-Year POCF Range
Min: 0.26  Med: 6.53 Max: 76.29
Current: 24.72
0.26
76.29
EV-to-EBIT 26.22
YDKN's EV-to-EBIT is ranked lower than
79% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. YDKN: 26.22 )
Ranked among companies with meaningful EV-to-EBIT only.
YDKN' s 10-Year EV-to-EBIT Range
Min: -47  Med: 10.80 Max: 69.6
Current: 26.22
-47
69.6
Days Sales Outstanding 217.92
YDKN's Days Sales Outstanding is ranked lower than
88% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. YDKN: 217.92 )
Ranked among companies with meaningful Days Sales Outstanding only.
YDKN' s 10-Year Days Sales Outstanding Range
Min: 31.09  Med: 40.74 Max: 198.58
Current: 217.92
31.09
198.58

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.83
YDKN's Price/Tangible Book is ranked lower than
79% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. YDKN: 1.83 )
Ranked among companies with meaningful Price/Tangible Book only.
YDKN' s 10-Year Price/Tangible Book Range
Min: 0.03  Med: 0.59 Max: 3.96
Current: 1.83
0.03
3.96
Price/Projected FCF 0.80
YDKN's Price/Projected FCF is ranked lower than
60% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. YDKN: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
YDKN' s 10-Year Price/Projected FCF Range
Min: 0.1  Med: 0.59 Max: 2.21
Current: 0.8
0.1
2.21
Price/Median PS Value 1.61
YDKN's Price/Median PS Value is ranked lower than
89% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. YDKN: 1.61 )
Ranked among companies with meaningful Price/Median PS Value only.
YDKN' s 10-Year Price/Median PS Value Range
Min: 0.15  Med: 1.46 Max: 15.39
Current: 1.61
0.15
15.39
Price/Graham Number 1.29
YDKN's Price/Graham Number is ranked lower than
82% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. YDKN: 1.29 )
Ranked among companies with meaningful Price/Graham Number only.
YDKN' s 10-Year Price/Graham Number Range
Min: 0.02  Med: 0.05 Max: 2.14
Current: 1.29
0.02
2.14
Earnings Yield (Greenblatt) (%) 3.78
YDKN's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. YDKN: 3.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
YDKN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.4  Med: 8.00 Max: 5512649.6
Current: 3.78
1.4
5512649.6
Forward Rate of Return (Yacktman) (%) 8.72
YDKN's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. YDKN: 8.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
YDKN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -41.5  Med: 17.20 Max: 67
Current: 8.72
-41.5
67

Analyst Estimate

Dec15 Dec16
EPS($) 1.54 1.68
EPS without NRI($) 1.54 1.68

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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, a North Carolina chartered community bank providing services in 73 branches across North Carolina and upstate South Carolina. 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.
» 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 

More From Other Websites
YADKIN FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 28 2015
Yadkin CEO: Here's why the feds will get their act together on SBA loans Jul 23 2015
Edited Transcript of YDKN earnings conference call or presentation 23-Jul-15 2:00pm GMT Jul 23 2015
Yadkin posts 2Q profit Jul 23 2015
Yadkin posts 2Q profit Jul 23 2015
YADKIN FINANCIAL CORP Files SEC form 8-K, Other Events Jul 23 2015
Q2 2015 Yadkin Financial Corp Earnings Release - Before Market Open Jul 23 2015
Yadkin Financial Corporation Declares Cash Dividend on Common Stock Jul 23 2015
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YADKIN FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jul 02 2015
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YADKIN FINANCIAL CORP Financials May 16 2015
10-Q for Yadkin Financial Corp. May 11 2015
YADKIN FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Yadkin Financial Corp. May 05 2015
YADKIN FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 04 2015
Yadkin misses Street 1Q forecasts Apr 23 2015
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