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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 1.69
NAS:FRBK's Cash-to-Debt is ranked lower than
55% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. NAS:FRBK: 1.69 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:FRBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 1.01 Max: No Debt
Current: 1.69
Equity-to-Asset 0.11
NAS:FRBK's Equity-to-Asset is ranked higher than
60% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:FRBK: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:FRBK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.11
Current: 0.11
0.06
0.11
Interest Coverage 0.75
NAS:FRBK's Interest Coverage is ranked lower than
73% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. NAS:FRBK: 0.75 )
Ranked among companies with meaningful Interest Coverage only.
NAS:FRBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 0.52 Max: 0.75
Current: 0.75
0.27
0.75
Beneish M-Score: -2.09
WACC vs ROIC
8.89%
41.22%
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 : 2/10

vs
industry
vs
history
Operating Margin % 8.17
NAS:FRBK's Operating Margin % is ranked lower than
89% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. NAS:FRBK: 8.17 )
Ranked among companies with meaningful Operating Margin % only.
NAS:FRBK' s Operating Margin % Range Over the Past 10 Years
Min: -64.25  Med: 0.34 Max: 30.68
Current: 8.17
-64.25
30.68
Net Margin % 8.36
NAS:FRBK's Net Margin % is ranked lower than
86% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. NAS:FRBK: 8.36 )
Ranked among companies with meaningful Net Margin % only.
NAS:FRBK' s Net Margin % Range Over the Past 10 Years
Min: -60.76  Med: 1.65 Max: 20.79
Current: 8.36
-60.76
20.79
ROE % 3.58
NAS:FRBK's ROE % is ranked lower than
82% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. NAS:FRBK: 3.58 )
Ranked among companies with meaningful ROE % only.
NAS:FRBK' s ROE % Range Over the Past 10 Years
Min: -32.29  Med: 0.78 Max: 8.87
Current: 3.58
-32.29
8.87
ROA % 0.32
NAS:FRBK's ROA % is ranked lower than
81% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. NAS:FRBK: 0.32 )
Ranked among companies with meaningful ROA % only.
NAS:FRBK' s ROA % Range Over the Past 10 Years
Min: -2.57  Med: 0.07 Max: 0.68
Current: 0.32
-2.57
0.68
3-Year Revenue Growth Rate -0.80
NAS:FRBK's 3-Year Revenue Growth Rate is ranked lower than
74% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NAS:FRBK: -0.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:FRBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -18.3  Med: -0.8 Max: 13.5
Current: -0.8
-18.3
13.5
GuruFocus has detected 5 Warning Signs with Republic First Bancorp Inc $NAS:FRBK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:FRBK's 30-Y Financials

Financials (Next Earnings Date: 2017-07-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

FRBK Guru Trades in Q2 2016

Jim Simons 373,737 sh (+20.25%)
» More
Q3 2016

FRBK Guru Trades in Q3 2016

Jim Simons 386,000 sh (+3.28%)
» More
Q4 2016

FRBK Guru Trades in Q4 2016

Jim Simons 628,400 sh (+62.80%)
» More
Q1 2017

FRBK Guru Trades in Q1 2017

Jim Simons 417,439 sh (-33.57%)
» More
» Details

Insider Trades

Latest Guru Trades with FRBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HTBK, NAS:MBWM, NYSE:FSB, NAS:ABTX, NAS:FFWM, NAS:CARO, NAS:NCOM, OTCPK:HBIA, NAS:BHBK, OTCPK:FMCB, NAS:MSBI, NAS:PGC, NYSE:SCNB, NAS:ACBI, NAS:SNBC, NAS:CACB, NAS:HTBI, NAS:PCBK, NAS:OKSB, NAS:HBNC » details
Headquarter Location:USA
Republic First Bancorp Inc, through its subsidiary offers commercial & consumer banking services to individuals, small and medium-sized businesses, executives, professionals and professional organizations.

Republic First Bancorp Inc was organized and incorporated under the laws of the Commonwealth of Pennsylvania in 1987 to be the holding company for Republic First Bank. The Company offers banking products and services, including consumer and commercial deposit accounts, checking accounts, interest-bearing demand accounts, money market accounts, certificates of deposit, savings accounts, sweep accounts, lockbox services and individual retirement accounts, secured and unsecured commercial loans, real estate loans, construction and land development loans, automobile loans, home improvement loans, mortgages, home equity and overdraft lines of credit, and other products. The Company has one reportable segment: community banking It offers a variety of credit and depository banking services in the Greater Philadelphia and Southern New Jersey area through their offices and branches in Philadelphia, Montgomery, and Delaware Counties in Pennsylvania and Camden, Burlington, and Gloucester Counties in New Jersey. Its competitors include Wells Fargo, Citizens, PNC, Sovereign, TD Bank and Bank of America, as well as local community banks. In addition, it compete directly with savings banks, savings and loan associations, finance companies, credit unions, factors, mortgage brokers, insurance companies, securities brokerage firms, mutual funds, money market funds, private lenders and other institutions for deposits, commercial loans, mortgages and consumer loans, as well as other services. The Company is a bank holding company subject to supervision and regulation by the Board of Governors of the Federal Reserve System.

Ratios

vs
industry
vs
history
PE Ratio 75.00
FRBK's PE Ratio is ranked lower than
96% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. FRBK: 75.00 )
Ranked among companies with meaningful PE Ratio only.
FRBK' s PE Ratio Range Over the Past 10 Years
Min: 9.08  Med: 42.95 Max: 112.33
Current: 75
9.08
112.33
PE Ratio without NRI 75.00
FRBK's PE Ratio without NRI is ranked lower than
96% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. FRBK: 75.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
FRBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.08  Med: 42.95 Max: 112.33
Current: 75
9.08
112.33
PB Ratio 2.34
FRBK's PB Ratio is ranked lower than
89% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FRBK: 2.34 )
Ranked among companies with meaningful PB Ratio only.
FRBK' s PB Ratio Range Over the Past 10 Years
Min: 0.4  Med: 1.13 Max: 2.36
Current: 2.34
0.4
2.36
PS Ratio 5.86
FRBK's PS Ratio is ranked lower than
84% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FRBK: 5.86 )
Ranked among companies with meaningful PS Ratio only.
FRBK' s PS Ratio Range Over the Past 10 Years
Min: 0.62  Med: 2.57 Max: 14.79
Current: 5.86
0.62
14.79
Price-to-Operating-Cash-Flow 59.60
FRBK's Price-to-Operating-Cash-Flow is ranked lower than
96% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. FRBK: 59.60 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FRBK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.5  Med: 11.87 Max: 175.24
Current: 59.6
3.5
175.24
EV-to-EBIT 90.18
FRBK's EV-to-EBIT is ranked lower than
97% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. FRBK: 90.18 )
Ranked among companies with meaningful EV-to-EBIT only.
FRBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -165.8  Med: 7 Max: 146.8
Current: 90.18
-165.8
146.8
EV-to-EBITDA 53.45
FRBK's EV-to-EBITDA is ranked lower than
95% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. FRBK: 53.45 )
Ranked among companies with meaningful EV-to-EBITDA only.
FRBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -94.8  Med: 6.5 Max: 2203.5
Current: 53.45
-94.8
2203.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -13.30
FRBK's 3-Year Average Share Buyback Ratio is ranked lower than
81% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FRBK: -13.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FRBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -42.8  Med: -4.3 Max: 0.6
Current: -13.3
-42.8
0.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.40
FRBK's Price-to-Tangible-Book is ranked lower than
86% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. FRBK: 2.40 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FRBK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.36  Med: 1.06 Max: 2.4
Current: 2.4
0.36
2.4
Price-to-Intrinsic-Value-Projected-FCF 3.20
FRBK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
95% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FRBK: 3.20 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FRBK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.76 Max: 3.2
Current: 3.2
0.16
3.2
Price-to-Median-PS-Value 2.28
FRBK's Price-to-Median-PS-Value is ranked lower than
94% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FRBK: 2.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FRBK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.29  Med: 0.9 Max: 6.59
Current: 2.28
0.29
6.59
Price-to-Graham-Number 2.83
FRBK's Price-to-Graham-Number is ranked lower than
96% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FRBK: 2.83 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FRBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.98 Max: 2.83
Current: 2.83
0.42
2.83
Earnings Yield (Greenblatt) % 1.11
FRBK's Earnings Yield (Greenblatt) % is ranked lower than
73% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. FRBK: 1.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FRBK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.7  Med: 4.35 Max: 488.6
Current: 1.11
0.7
488.6
Forward Rate of Return (Yacktman) % 0.71
FRBK's Forward Rate of Return (Yacktman) % is ranked lower than
79% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. FRBK: 0.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FRBK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -8  Med: 5 Max: 25.3
Current: 0.71
-8
25.3

More Statistics

Revenue (TTM) (Mil) $67.53
EPS (TTM) $ 0.12
Beta1.01
Short Percentage of Float5.42%
52-Week Range $3.70 - 9.65
Shares Outstanding (Mil)56.96

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 0.17
EPS without NRI ($) 0.17
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for FRBK

Headlines

Articles On GuruFocus.com
Republic Bank Hires New Store Manager for Second Cherry Hill Location May 10 2017 
Republic Bank Hires Senior Vice President and Retail Market Manager for South Jersey Apr 06 2017 
National Italian American Foundation Honors Vernon and Shirley Hill Mar 31 2017 
Republic First Bancorp Inc. Reports Operating Results (10-Q) Aug 06 2010 
Weekly CFO Buys Highlight: The Pep BoysManny Moe & Jack, ProLogis, Republic First Bancorp Inc., Gene Jul 03 2010 
Republic First Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2009 
Republic First Bancorp Inc. Reports Operating Results (10-Q) Aug 07 2009 
Republic First Bancorp Inc. Reports Operating Results (10-Q) May 09 2009 
Weekly CEO Buys Highlight: Kronos Worldwide Inc., American Spectrum Realty Inc., StoneMor Partners L Jan 13 2008 
Weekly Top CEO Buys: General Electric Company, Republic First Bancorp Inc., MGIC Investment Corp., Q Oct 30 2007 

More From Other Websites
SHAREHOLDER ALERT: Purcell Julie & Lefkowitz LLP Is Investigating Republic First Bancorp, Inc. for... May 18 2017
Republic Bank Hires New Store Manager for Second Cherry Hill Location May 10 2017
Republic First posts 1Q profit Apr 20 2017
Republic First Bancorp, Inc. Reports First Quarter Financial Results Apr 20 2017
Republic First Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FRBK-US :... Apr 18 2017
Republic Bank Hires Senior Vice President and Retail Market Manager for South Jersey Apr 06 2017
National Italian American Foundation Honors Vernon and Shirley Hill Mar 31 2017
Republic First Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FRBK-US :... Mar 22 2017
Republic First Bancorp, Inc. Adds Lisa R. Jacobs to Board of Directors Mar 06 2017
Republic First Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : FRBK-US :... Mar 01 2017
Republic Bank Announces Promotion of Sharon Hammel to Chief Retail Officer Feb 28 2017
Republic Bank Begins 2017 by Hiring Vice Presidents to Manage Stores in Pennsylvania and New Jersey Feb 08 2017
Republic First Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : FRBK-US :... Feb 07 2017
ETFs with exposure to Republic First Bancorp, Inc. : February 2, 2017 Feb 02 2017
Republic First Bancorp, Inc. :FRBK-US: Earnings Analysis: Q4, 2016 By the Numbers : January 25, 2017 Jan 25 2017
Republic First Bancorp, Inc. Reports Fourth Quarter Financial Results Net Income Increases 103% And... Jan 23 2017
ETFs with exposure to Republic First Bancorp, Inc. : January 11, 2017 Jan 11 2017
How Black Diamond Inc (BDE) Stacks Up Against Its Peers? Dec 13 2016
Republic First Bancorp, Inc.: Strong price momentum but will it sustain? Dec 06 2016

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