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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

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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

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» MNRK's 30-Y Financials

Financials


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

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Business Description

Industry: Banks » Banks - Regional - US  
Compare:OTCPK:CSHX, OTCPK:ISBA, NAS:UNB, NAS:MBTF, NAS:SHBI, NAS:FCFP, NAS:PVBC, NAS:SONA, NAS:PFBI, NAS:CVLY, NAS:NRIM, OTCPK:JMSB, NAS:CSTR, NAS:ISTR, NAS:FBIZ, NAS:PMBC, NAS:LCNB, NAS:CIVB, NAS:FNBG, NAS:BWFG » details
Headquarter Location:USA
Monarch Financial Holdings Inc is a holding Company, which through Monarch Bank, is engaged in business and consumer banking, investment and insurance sales, and mortgage origination and brokerage.

Monarch Financial Holdings Inc was created on June 1, 2006 through a reorganization plan, under the laws of the Commonwealth of Virginia, in which Monarch Bank became its wholly-owned subsidiary. Monarch Bank was incorporated on May 1, 1998 and opened for business on April 14, 1999 as a Virginia-chartered bank and a member of the Federal Reserve banking system. The Company is engaged in business and consumer banking, investment and insurance sales, and mortgage origination and brokerage. It conducts its operations through its wholly-owned subsidiary, Monarch Bank, and its two wholly-owned subsidiaries, Monarch Investment, LLC and Monarch Capital, LLC. It also does business in some markets as OBX Bank, Monarch Bank Private Wealth, Monarch Mortgage and under various names via joint ventures with other partners. The Company operates through two segments that offer different products and services; community banking ("banking") and retail mortgage banking services ("mortgage banking"). Banking involves making loans to and generating deposits from individuals and businesses. Mortgage banking originates residential mortgage loans and subsequently sells them to investors. It serves the needs of local businesses, professionals, corporate executives and individuals in the Hampton Roads South Hampton Roads area of Southeastern Virginia and the Outer Banks region of Northeastern North Carolina. It operate ten banking offices, four commercial lending office and eleven residential mortgage offices in the cities of Chesapeake, Norfolk, Newport News, Richmond, Williamsburg and Virginia Beach, Virginia. It has two full-service banking offices operating under the name 'OBX Bank' and a residential mortgage office operating under the name of 'OBX Bank Mortgage' in the Outer Banks region of Northeastern North Carolina in the towns of Kitty Hawk and Nags Head. It also operates twenty-nine additional residential mortgage offices outside of its main market areas. The Company's business banking group supports its business and commercial clients and offers both secured and unsecured commercial loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and the purchase of equipment and machinery, as well as loans secured by commercial real estate. This Company also originates business deposits and related services. The Company's Real Estate Finance Group supports the delivery of residential and commercial real estate construction, acquisition and development loans, with the majority of its focus in the 1-4 family residential development markets of Hampton Roads and Northeastern North Carolina. This group supports this type of banking in all of its markets. The Commercial Real Estate Finance Group specializing in underwriting commercial real estate loans, which are either financed for its balance sheet or brokered to other investors. Non-owner occupied income producing real est

Ratios

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Dividend & Buy Back

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Dividend Yield % 1.86
MNRK's Dividend Yield % is ranked lower than
69% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. MNRK: 1.86 )
Ranked among companies with meaningful Dividend Yield % only.
MNRK' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.86
Current: 1.86
0
1.86
Dividend Payout Ratio 0.29
MNRK's Dividend Payout Ratio is ranked higher than
57% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. MNRK: 0.29 )
Ranked among companies with meaningful Dividend Payout Ratio only.
MNRK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.29
Current: 0.29
0
0.29
Forward Dividend Yield % 1.95
MNRK's Forward Dividend Yield % is ranked lower than
72% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. MNRK: 1.95 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.86
MNRK's 5-Year Yield-on-Cost % is ranked lower than
78% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. MNRK: 1.86 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MNRK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.86
Current: 1.86
0
1.86

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $128.28
EPS (TTM) $ 1.25
Short Percentage of Float0.08%
52-Week Range $10.87 - 19.99
Shares Outstanding (Mil)11.88
» More Articles for MNRK

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: WINA, AROW, HBAN, ANCX, MNRK Apr 28 2013 
Monarch Financial Holdings Inc. (MNRK) CEO William F Jr Rountree buys 7,001 Shares Jan 13 2010 

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