Yadkin Financial (Yadkin Financial) Earnings Yield (Joel Greenblatt) %

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.