What is Fox Chase Bancorp Financial Strength?
Fox Chase Bancorp has the Financial Strength Rank of 0.
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). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate Fox Chase Bancorp's interest coverage with the available data.
Fox Chase Bancorp's debt to revenue ratio for the quarter that ended in Mar. 2016 was 3.66.
Altman Z-Score does not apply to banks and insurance companies.
Fox Chase Bancorp Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Fox Chase Bancorp's Interest Expense for the
months ended in Mar. 2016 was $-1.60 Mil. Its Operating Income for the
months ended in Mar. 2016 was $3.28 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2016 was $120.00 Mil.
Fox Chase Bancorp's Interest Coverage for the quarter that ended in Mar. 2016 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Fox Chase Bancorp's Debt to Revenue Ratio for the quarter that ended in Mar. 2016 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Fox Chase Bancorp (Fox Chase Bancorp) Business Description
Traded in Other Exchanges
N/A
Address
Fox Chase Bancorp Inc is a Maryland corporation that was incorporated in March 2010. The Bank operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market areas. The Bank attracts deposits from the general public and uses those funds to originate one- to four-family real estate, multi-family and commercial real estate, construction, commercial and consumer loans, which the Bank generally holds for investment. The largest segment of its loan portfolio is multi-family and commercial real estate loans. It offers fixed-rate and adjustable-rate mortgage loans secured by multi-family and commercial real estate to individuals and small businesses in its main market areas. Its multi-family and commercial real estate loans are generally secured by condominiums, apartment buildings and mixed-use properties with residential units, as well as office and retail space. It originates multi-family and commercial real estate loans with terms of up to 25 years. The second largest segment of its loan portfolio is residential mortgage loans, which enable borrowers to purchase or refinance existing homes, which are owner occupied. It offer fixed-rate and adjustable-rate loans with terms up to 30 years. It also offers commercial and industrial loans to professionals, sole proprietorships and small and mid-size businesses in its market area. It offers variety of consumer loans, including home equity loans and lines of credit, loans to individuals to purchase insurance policies, loans secured by certificate of deposits (share loans) and unsecured overdraft lines of credit. It competes with various financial institutions and credit unions operating in its market areas and, to a lesser extent, from other financial service companies such as brokerage firms and insurance companies. Its competition for loans comes mainly from financial institutions in its market areas, and, to a lesser extent, from other financial service providers such as mortgage companies, mortgage brokers and credit unions. As a savings and loan holding company, it is subject to Federal Reserve Board regulations, examinations, supervision, reporting requirements and regulations concerning its activities.
Executives
| Thomas M Petro |
director, officer: President and CEO |
14 NORTH MAIN STREET, PO BOX197, SOUDERTON PA 18964 |
| Randall J Mcgarry |
officer: Sr. VP Chief Info. Officer |
4390 DAVISVILLE ROAD, HATBORO PA 19040 |
| Roger S Deacon |
officer: EVP and CFO |
14 NORTH MAIN STREET, PO BOX 197, SOUDERTON PA 18964 |
| Nichols Anthony A Sr |
director |
|
| Donald R Caldwell |
director |
5 RADNOR CORP CENTER STE 555, RADNOR PA 19087 |
| Roger H Ballou |
director |
C/O CDI CORP, 1717 ARCH ST 35TH FL, PHILADELPHIA PA 19103 |
| Todd S Benning |
director |
14 NORTH MAIN STREET, PO BOX 197, SOUDERTON PA 18964 |
| Richard M Eisenstaedt |
director |
|
| Gerald A Ronon |
director |
4390 DAVISVILLE ROAD, HATBORO PA 19040 |
| Peter A Sears |
director |
1659 EAST BOOT ROAD, WEST CHESTER PA 19380 |
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