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Fox Chase Bancorp (Fox Chase Bancorp) ROE % : 5.07% (As of Mar. 2016)


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What is Fox Chase Bancorp ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Fox Chase Bancorp's annualized net income for the quarter that ended in Mar. 2016 was $9.00 Mil. Fox Chase Bancorp's average Total Stockholders Equity over the quarter that ended in Mar. 2016 was $177.38 Mil. Therefore, Fox Chase Bancorp's annualized ROE % for the quarter that ended in Mar. 2016 was 5.07%.

The historical rank and industry rank for Fox Chase Bancorp's ROE % or its related term are showing as below:

FXCB's ROE % is not ranked *
in the Banks industry.
Industry Median: 9.68
* Ranked among companies with meaningful ROE % only.

Fox Chase Bancorp ROE % Historical Data

The historical data trend for Fox Chase Bancorp's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Fox Chase Bancorp ROE % Chart

Fox Chase Bancorp Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.43 2.74 3.12 4.69 5.41

Fox Chase Bancorp Quarterly Data
Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.19 7.23 5.32 4.04 5.07

Competitive Comparison of Fox Chase Bancorp's ROE %

For the Banks - Regional subindustry, Fox Chase Bancorp's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fox Chase Bancorp's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Fox Chase Bancorp's ROE % distribution charts can be found below:

* The bar in red indicates where Fox Chase Bancorp's ROE % falls into.



Fox Chase Bancorp ROE % Calculation

Fox Chase Bancorp's annualized ROE % for the fiscal year that ended in Dec. 2015 is calculated as

ROE %=Net Income (A: Dec. 2015 )/( (Total Stockholders Equity (A: Dec. 2014 )+Total Stockholders Equity (A: Dec. 2015 ))/ count )
=9.546/( (175.911+176.914)/ 2 )
=9.546/176.4125
=5.41 %

Fox Chase Bancorp's annualized ROE % for the quarter that ended in Mar. 2016 is calculated as

ROE %=Net Income (Q: Mar. 2016 )/( (Total Stockholders Equity (Q: Dec. 2015 )+Total Stockholders Equity (Q: Mar. 2016 ))/ count )
=8.996/( (176.914+177.84)/ 2 )
=8.996/177.377
=5.07 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2016) net income data. ROE % is displayed in the 30-year financial page.


Fox Chase Bancorp  (NAS:FXCB) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Mar. 2016 )
=Net Income/Total Stockholders Equity
=8.996/177.377
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(8.996 / 36.84)*(36.84 / 1128.672)*(1128.672 / 177.377)
=Net Margin %*Asset Turnover*Equity Multiplier
=24.42 %*0.0326*6.3631
=ROA %*Equity Multiplier
=0.8 %*6.3631
=5.07 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Mar. 2016 )
=Net Income/Total Stockholders Equity
=8.996/177.377
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (8.996 / 13.12) * (13.12 / 36.84) * (36.84 / 1128.672) * (1128.672 / 177.377)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.6857 * 35.61 % * 0.0326 * 6.3631
=5.07 %

Note: The net income data used here is four times the quarterly (Mar. 2016) net income data. The Revenue data used here is four times the quarterly (Mar. 2016) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Fox Chase Bancorp ROE % Related Terms

Thank you for viewing the detailed overview of Fox Chase Bancorp's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


Fox Chase Bancorp (Fox Chase Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
Fox Chase Bancorp Inc is a Maryland corporation that was incorporated in March 2010. The Bank operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market areas. The Bank attracts deposits from the general public and uses those funds to originate one- to four-family real estate, multi-family and commercial real estate, construction, commercial and consumer loans, which the Bank generally holds for investment. The largest segment of its loan portfolio is multi-family and commercial real estate loans. It offers fixed-rate and adjustable-rate mortgage loans secured by multi-family and commercial real estate to individuals and small businesses in its main market areas. Its multi-family and commercial real estate loans are generally secured by condominiums, apartment buildings and mixed-use properties with residential units, as well as office and retail space. It originates multi-family and commercial real estate loans with terms of up to 25 years. The second largest segment of its loan portfolio is residential mortgage loans, which enable borrowers to purchase or refinance existing homes, which are owner occupied. It offer fixed-rate and adjustable-rate loans with terms up to 30 years. It also offers commercial and industrial loans to professionals, sole proprietorships and small and mid-size businesses in its market area. It offers variety of consumer loans, including home equity loans and lines of credit, loans to individuals to purchase insurance policies, loans secured by certificate of deposits (share loans) and unsecured overdraft lines of credit. It competes with various financial institutions and credit unions operating in its market areas and, to a lesser extent, from other financial service companies such as brokerage firms and insurance companies. Its competition for loans comes mainly from financial institutions in its market areas, and, to a lesser extent, from other financial service providers such as mortgage companies, mortgage brokers and credit unions. As a savings and loan holding company, it is subject to Federal Reserve Board regulations, examinations, supervision, reporting requirements and regulations concerning its activities.
Executives
Thomas M Petro director, officer: President and CEO 14 NORTH MAIN STREET, PO BOX197, SOUDERTON PA 18964
Randall J Mcgarry officer: Sr. VP Chief Info. Officer 4390 DAVISVILLE ROAD, HATBORO PA 19040
Roger S Deacon officer: EVP and CFO 14 NORTH MAIN STREET, PO BOX 197, SOUDERTON PA 18964
Nichols Anthony A Sr director
Donald R Caldwell director 5 RADNOR CORP CENTER STE 555, RADNOR PA 19087
Roger H Ballou director C/O CDI CORP, 1717 ARCH ST 35TH FL, PHILADELPHIA PA 19103
Todd S Benning director 14 NORTH MAIN STREET, PO BOX 197, SOUDERTON PA 18964
Richard M Eisenstaedt director
Gerald A Ronon director 4390 DAVISVILLE ROAD, HATBORO PA 19040
Peter A Sears director 1659 EAST BOOT ROAD, WEST CHESTER PA 19380

Fox Chase Bancorp (Fox Chase Bancorp) Headlines

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