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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 0.31
YDKN's Cash to Debt is ranked higher than
58% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. YDKN: 0.31 )
YDKN' s 10-Year Cash to Debt Range
Min: 0.13   Max: 7.17
Current: 0.31

0.13
7.17
Equity to Asset 0.13
YDKN's Equity to Asset is ranked higher than
86% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. YDKN: 0.13 )
YDKN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.13

0.06
0.13
Interest Coverage 1.94
YDKN's Interest Coverage is ranked higher than
75% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. YDKN: 1.94 )
YDKN' s 10-Year Interest Coverage Range
Min: 0.15   Max: 2.85
Current: 1.94

0.15
2.85
F-Score: 4
Z-Score: 0.17
WACC vs ROIC
6.40%
5.00%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 21.79
YDKN's Operating margin (%) is ranked higher than
62% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. YDKN: 21.79 )
YDKN' s 10-Year Operating margin (%) Range
Min: -94.78   Max: 54.64
Current: 21.79

-94.78
54.64
Net-margin (%) 17.26
YDKN's Net-margin (%) is ranked higher than
65% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. YDKN: 17.26 )
YDKN' s 10-Year Net-margin (%) Range
Min: -84.76   Max: 35.99
Current: 17.26

-84.76
35.99
ROE (%) 7.36
YDKN's ROE (%) is ranked higher than
69% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. YDKN: 7.36 )
YDKN' s 10-Year ROE (%) Range
Min: -49.72   Max: 16.16
Current: 7.36

-49.72
16.16
ROA (%) 0.88
YDKN's ROA (%) is ranked higher than
75% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. YDKN: 0.88 )
YDKN' s 10-Year ROA (%) Range
Min: -4.13   Max: 1.88
Current: 0.88

-4.13
1.88
ROC (Joel Greenblatt) (%) 27.37
YDKN's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. YDKN: 27.37 )
YDKN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -77.73   Max: 384.61
Current: 27.37

-77.73
384.61
Revenue Growth (3Y)(%) -18.30
YDKN's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. YDKN: -18.30 )
YDKN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -18.3   Max: 14.8
Current: -18.3

-18.3
14.8
» YDKN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

YDKN Guru Trades in Q1 2014

Jim Simons 184,115 sh (+94.57%)
Michael Price 295,800 sh (-17.18%)
» More
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
» 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) 20.50
YDKN's P/E(ttm) is ranked higher than
65% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. YDKN: 20.50 )
YDKN' s 10-Year P/E(ttm) Range
Min: 2.72   Max: 44.23
Current: 20.5

2.72
44.23
Forward P/E 11.93
YDKN's Forward P/E is ranked higher than
80% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. YDKN: 11.93 )
N/A
PE(NRI) 20.80
YDKN's PE(NRI) is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. YDKN: 20.80 )
YDKN' s 10-Year PE(NRI) Range
Min: 2.73   Max: 43.85
Current: 20.8

2.73
43.85
P/B 1.20
YDKN's P/B is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. YDKN: 1.20 )
YDKN' s 10-Year P/B Range
Min: 0.02   Max: 1.96
Current: 1.2

0.02
1.96
P/S 2.70
YDKN's P/S is ranked higher than
72% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. YDKN: 2.70 )
YDKN' s 10-Year P/S Range
Min: 0.32   Max: 4.4
Current: 2.7

0.32
4.4
PFCF 26.10
YDKN's PFCF is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. YDKN: 26.10 )
YDKN' s 10-Year PFCF Range
Min: 0.27   Max: 108.11
Current: 26.1

0.27
108.11
POCF 19.61
YDKN's POCF is ranked higher than
74% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. YDKN: 19.61 )
YDKN' s 10-Year POCF Range
Min: 0.26   Max: 76.29
Current: 19.61

0.26
76.29
EV-to-EBIT 30.95
YDKN's EV-to-EBIT is ranked higher than
65% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. YDKN: 30.95 )
YDKN' s 10-Year EV-to-EBIT Range
Min: -47   Max: 69.6
Current: 30.95

-47
69.6
Days Sales Outstanding 208.60
YDKN's Days Sales Outstanding is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. YDKN: 208.60 )
YDKN' s 10-Year Days Sales Outstanding Range
Min: 27.53   Max: 198.58
Current: 208.6

27.53
198.58

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
YDKN's Price/Tangible Book is ranked higher than
67% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. YDKN: 1.70 )
YDKN' s 10-Year Price/Tangible Book Range
Min: 0.03   Max: 3.96
Current: 1.7

0.03
3.96
Price/DCF (Projected) 0.80
YDKN's Price/DCF (Projected) is ranked higher than
84% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. YDKN: 0.80 )
YDKN' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.84
Current: 0.8

0.1
0.84
Price/Median PS Value 1.30
YDKN's Price/Median PS Value is ranked higher than
69% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. YDKN: 1.30 )
YDKN' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 2.65
Current: 1.3

0.13
2.65
Price/Graham Number 1.40
YDKN's Price/Graham Number is ranked higher than
67% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. YDKN: 1.40 )
YDKN' s 10-Year Price/Graham Number Range
Min: 0.02   Max: 1.84
Current: 1.4

0.02
1.84
Earnings Yield (Greenblatt) 3.20
YDKN's Earnings Yield (Greenblatt) is ranked higher than
52% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. YDKN: 3.20 )
YDKN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 5512564.1
Current: 3.2

1.4
5512564.1
Forward Rate of Return (Yacktman) 9.28
YDKN's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. YDKN: 9.28 )
YDKN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -41.5   Max: 67
Current: 9.28

-41.5
67

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 

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