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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 0.21
YDKN's Cash to Debt is ranked higher than
55% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. YDKN: 0.21 )
YDKN' s 10-Year Cash to Debt Range
Min: 0.11   Max: No Debt
Current: 0.21

Equity to Asset 0.13
YDKN's Equity to Asset is ranked higher than
89% of the 1996 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 2.85
YDKN's Interest Coverage is ranked higher than
82% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 4
Z-Score: 0.16
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 (%) 40.27
YDKN's Operating margin (%) is ranked higher than
87% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. YDKN: 40.27 )
YDKN' s 10-Year Operating margin (%) Range
Min: -94.78   Max: 54.64
Current: 40.27

-94.78
54.64
Net-margin (%) 26.69
YDKN's Net-margin (%) is ranked higher than
84% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. YDKN: 26.69 )
YDKN' s 10-Year Net-margin (%) Range
Min: -84.76   Max: 35.99
Current: 26.69

-84.76
35.99
ROE (%) 10.73
YDKN's ROE (%) is ranked higher than
84% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. YDKN: 10.73 )
YDKN' s 10-Year ROE (%) Range
Min: -49.72   Max: 16.16
Current: 10.73

-49.72
16.16
ROA (%) 1.21
YDKN's ROA (%) is ranked higher than
88% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. YDKN: 1.21 )
YDKN' s 10-Year ROA (%) Range
Min: -4.13   Max: 1.88
Current: 1.21

-4.13
1.88
ROC (Joel Greenblatt) (%) 45.92
YDKN's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. YDKN: 45.92 )
YDKN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -77.73   Max: 384.61
Current: 45.92

-77.73
384.61
Revenue Growth (%) -28.90
YDKN's Revenue Growth (%) is ranked higher than
51% of the 1727 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
98% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 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

Q4 2013

YDKN Guru Trades in Q4 2013

Jim Simons 94,629 sh (+11.68%)
Michael Price 357,140 sh (unchged)
» More
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 (+30.7%)
Michael Price 150,700 sh (-19.45%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-06-30 Reduce -36.75%0.28%$18.05 - $21.68 $ 19.411%187100
Michael Price 2014-03-31 Reduce -17.18%0.14%$17.04 - $21.9 $ 19.411%295800
Michael Price 2013-06-30 Reduce -66.67%0.37%$11.55 - $14.04 $ 19.4157%357140
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 24.00
YDKN's P/E(ttm) is ranked higher than
69% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. YDKN: 24.00 )
YDKN' s 10-Year P/E(ttm) Range
Min: 2.72   Max: 44.23
Current: 24

2.72
44.23
P/B 1.20
YDKN's P/B is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 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 2.60
YDKN's P/S is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. YDKN: 2.60 )
YDKN' s 10-Year P/S Range
Min: 0.32   Max: 5.38
Current: 2.6

0.32
5.38
PFCF 107.80
YDKN's PFCF is ranked higher than
78% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. YDKN: 107.80 )
YDKN' s 10-Year PFCF Range
Min: 0.27   Max: 108.11
Current: 107.8

0.27
108.11
EV-to-EBIT 23.20
YDKN's EV-to-EBIT is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. YDKN: 23.20 )
YDKN' s 10-Year EV-to-EBIT Range
Min: -47   Max: 69.6
Current: 23.2

-47
69.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
YDKN's Price/Tangible Book is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. YDKN: 1.80 )
YDKN' s 10-Year Price/Tangible Book Range
Min: 0.03   Max: 3.96
Current: 1.8

0.03
3.96
Price/DCF (Projected) 0.40
YDKN's Price/DCF (Projected) is ranked higher than
94% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. YDKN: 0.40 )
YDKN' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 2.21
Current: 0.4

0.1
2.21
Price/Median PS Value 1.00
YDKN's Price/Median PS Value is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. YDKN: 1.00 )
YDKN' s 10-Year Price/Median PS Value Range
Min: 0.13   Max: 12.61
Current: 1

0.13
12.61
Price/Graham Number 1.30
YDKN's Price/Graham Number is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. YDKN: 1.30 )
YDKN' s 10-Year Price/Graham Number Range
Min: 0.02   Max: 2.14
Current: 1.3

0.02
2.14
Earnings Yield (Greenblatt) 4.20
YDKN's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. YDKN: 4.20 )
YDKN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 5512649.6
Current: 4.2

1.4
5512649.6
Forward Rate of Return (Yacktman) 13.60
YDKN's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. YDKN: 13.60 )
YDKN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -35.9   Max: 48.2
Current: 13.6

-35.9
48.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Yadkin Financial Corp was incorporated in North Carolina on July 1, 2006, and is a member of the Federal Deposit Insurance Corporation or FDIC. The Bank's operations are mainly retail oriented and directed toward individuals and small and medium-sized businesses located in banking market. It provides 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. Its products include: Deposit products and Loan products. Deposit products provide Checking Accounts, Savings and Money Market Accounts; whereas Loan products provide SBA Loans, Commercial Loans and Lines of Credit, Commercial Real Estate Loans and Business Credit Cards. The Bank operates in the central piedmont, research triangle area and the northwestern region of North Carolina and the upstate piedmont area of South Carolina. The Bank 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.
» 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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