Randolph Bancorp (NAS:RNDB) Intrinsic Value: Projected FCF

: $54.65 (As of Today)

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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2023-01-27), Randolph Bancorp's Intrinsic Value: Projected FCF is $54.65. The stock price of Randolph Bancorp is $26.99. Therefore, Randolph Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.

The historical rank and industry rank for Randolph Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:

RNDB' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.48 Med: 1.47 Max: 6.58
Current: 0.49

During the past 8 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Randolph Bancorp was 6.58. The lowest was 0.48. And the median was 1.47.

RNDB's Price-to-Projected-FCF is not ranked
in the Banks industry.
Industry Median: 0.53 vs RNDB: 0.49

Randolph Bancorp Intrinsic Value: Projected FCF Historical Data

The historical data trend for Randolph Bancorp's Intrinsic Value: Projected FCF 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.

Randolph Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Intrinsic Value: Projected FCF

-6.19

39.71

Randolph Bancorp Quarterly Data
	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22
Intrinsic Value: Projected FCF																5.82	9.28	39.71	46.95	54.65

Competitive Comparison

For the Banks - Regional subindustry, Randolph Bancorp's Intrinsic Value: Projected FCF, along with its competitors' market caps and Intrinsic Value: Projected FCF 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.

Annual Data Quarterly Data

Randolph Bancorp Intrinsic Value: Projected FCF Distribution

For the Banks industry and Financial Services sector, Randolph Bancorp's Intrinsic Value: Projected FCF distribution charts can be found below:

* The bar in red indicates where Randolph Bancorp's Intrinsic Value: Projected FCF falls in comparison to its industry or sector. The grey bar indicates the Intrinsic Value: Projected FCF's extreme value range as defined by GuruFocus.

Randolph Bancorp Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)

Add all the Free Cash Flow together and divide 6 will get Randolph Bancorp's Free Cash Flow(6 year avg) = $13.86.

Randolph Bancorp's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF	=	(Growth Multiple	*	Free Cash Flow (6 year avg)	+	Total Stockholders Equity (Jun22)	*	0.8)	/	Shares Outstanding (Diluted Average)
	=	(14.862653310476	*	13.85872	+	89.278	*	0.8)	/	5.076
	=	54.65

Randolph Bancorp (NAS:RNDB) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Randolph Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF	=	Share Price	/	Intrinsic Value: Projected FCF
	=	26.99	/	54.649281065201
	=	0.49

Randolph Bancorp Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Randolph Bancorp's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.

Randolph Bancorp (NAS:RNDB) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Randolph Bancorp Inc (NAS:RNDB) » Definitions » Intrinsic Value: Projected FCF

Comparable Companies

Traded in Other Exchanges

N/A

Address

10 Cabot Place, Stoughton, MA, USA, 02072

Website

http://www.randolphbancorp.com

Randolph Bancorp Inc is a bank holding company of Envision Bank. The company is engaged in providing financial services to individuals, families, and small to mid-size businesses. The business of the company includes accepting deposits from the public and investing those deposits, commercial real estate loans, construction loans, investment securities, and consumer loans. The firm also offers deposit accounts, certificates of deposit, and money market accounts. The company has two reporting segments; Envision Bank, which is the key revenue generating segment; and Envision Mortgage. Envision Mortgage consists primarily of gains on loan origination and sales activities, loan servicing income and interest income on loans held for sale and residential construction loans.

Executives

Friedman Martin S.	10 percent owner	7901 JONES BRANCH DR. SUITE 210 MCLEAN VA 22102
Kaupp Evelyn	director	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Perry Ronald K	director	320 NORWOOD PARK SOUTH NORWOOD MA 02062
Scott Pamela C	director	151 BRADLEE AVENUE SWAMPSCOTT MA 01907
Parent William M	director, officer: President & CEO	C/O GRAIL INVESTMENT CORP. 767 THIRD AVENUE, 21ST FLOOR NEW YORK NY 10017
Messmore Lauren	officer: EVP & CFO	320 NORWOOD PARK SOUTH NORWOOD MA 02062
Curry Nancy J.	officer: SVP/Commercial Lending	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Fraser Peter J.	officer: Senior Vice President	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
O'connor John J. Iii	director	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Mcdonough James P	director, officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Donovan Paul R	director	CHAIRMAN'S VIEW 300 GRANITE ST., SUITE 406 BRAINTREE MA 02184
Phillips Richard A. Sr.	director	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Dwyer Martie M.	officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Devlin Michael K	officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Thaxter Donna L.	officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072