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Yadkin Financial (Yadkin Financial) ROE % : 5.39% (As of Dec. 2016)


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What is Yadkin Financial ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Yadkin Financial's annualized net income for the quarter that ended in Dec. 2016 was $54.7 Mil. Yadkin Financial's average Total Stockholders Equity over the quarter that ended in Dec. 2016 was $1,014.2 Mil. Therefore, Yadkin Financial's annualized ROE % for the quarter that ended in Dec. 2016 was 5.39%.

The historical rank and industry rank for Yadkin Financial's ROE % or its related term are showing as below:

YDKN's ROE % is not ranked *
in the Banks industry.
Industry Median: 9.88
* Ranked among companies with meaningful ROE % only.

Yadkin Financial ROE % Historical Data

The historical data trend for Yadkin Financial'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.

Yadkin Financial ROE % Chart

Yadkin Financial Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.74 1.46 5.51 7.97 7.00

Yadkin Financial Quarterly Data
Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16
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 8.47 4.03 7.01 6.46 5.39

Competitive Comparison of Yadkin Financial's ROE %

For the Banks - Regional subindustry, Yadkin Financial'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.


Yadkin Financial's ROE % Distribution in the Banks Industry

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

* The bar in red indicates where Yadkin Financial's ROE % falls into.



Yadkin Financial ROE % Calculation

Yadkin Financial's annualized ROE % for the fiscal year that ended in Dec. 2016 is calculated as

ROE %=Net Income (A: Dec. 2016 )/( (Total Stockholders Equity (A: Dec. 2015 )+Total Stockholders Equity (A: Dec. 2016 ))/ count )
=55.168/( (562.549+1014.231)/ 2 )
=55.168/788.39
=7.00 %

Yadkin Financial's annualized ROE % for the quarter that ended in Dec. 2016 is calculated as

ROE %=Net Income (Q: Dec. 2016 )/( (Total Stockholders Equity (Q: Sep. 2016 )+Total Stockholders Equity (Q: Dec. 2016 ))/ count )
=54.712/( (1014.107+1014.231)/ 2 )
=54.712/1014.169
=5.39 %

* 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 (Dec. 2016) net income data. ROE % is displayed in the 30-year financial page.


Yadkin Financial  (NYSE:YDKN) 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: Dec. 2016 )
=Net Income/Total Stockholders Equity
=54.712/1014.169
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(54.712 / 297.4)*(297.4 / 7283.355)*(7283.355 / 1014.169)
=Net Margin %*Asset Turnover*Equity Multiplier
=18.4 %*0.0408*7.1816
=ROA %*Equity Multiplier
=0.75 %*7.1816
=5.39 %

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: Dec. 2016 )
=Net Income/Total Stockholders Equity
=54.712/1014.169
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (54.712 / 84.68) * (84.68 / 297.4) * (297.4 / 7283.355) * (7283.355 / 1014.169)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.6461 * 28.47 % * 0.0408 * 7.1816
=5.39 %

Note: The net income data used here is four times the quarterly (Dec. 2016) net income data. The Revenue data used here is four times the quarterly (Dec. 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.


Yadkin Financial ROE % Related Terms

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


Yadkin Financial (Yadkin Financial) Business Description

Traded in Other Exchanges
N/A
Address
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. 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.
Executives
Scott Custer director, officer: President and CEO 4711 SIX FORKS ROAD, SUITE 2B, RALEIGH NC 27609
Terry Earley officer: Chief Financial Officer C/O CRESCENT FINANCIAL BANCSHARES, INC., 1005 HIGH HOUSE ROAD, CARY NC 27513
Joseph Hampton Towell director YADKIN VALLEY FINANCIAL CORPORATION, P. O. DRAWER 7109, STATESVILLE NC 28687
J Adam Abram director C/O PIEDMONT COMMUNITY BANK HOLDINGS INC, 4711 SIX FORKS ROAD STE 2B, RALEIGH NC 27609
Stone Point Capital Llc other: Director by Deputization (1) 20 HORSENECK LANE, GREENWICH CT 06830

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