Royal Bancshares of Pennsylvania, Inc.
Royal Bancshares of Pennsylvania, Inc. Fundamental Analysis
Royal Bancshares of Pennsylvania, Inc. (RBPAA) shows moderate financial fundamentals with a PE ratio of 13.11, profit margin of 39.75%, and ROE of 16.79%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 52.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze RBPAA's fundamental strength across five key dimensions:
Efficiency Score
WeakRBPAA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentRBPAA trades at attractive valuation levels.
Growth Score
WeakRBPAA faces weak or negative growth trends.
Financial Health Score
ModerateRBPAA shows balanced financial health with some risks.
Profitability Score
ModerateRBPAA maintains healthy but balanced margins.
Key Financial Metrics
Is RBPAA Expensive or Cheap?
P/E Ratio
RBPAA trades at 13.11 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RBPAA's PEG of 0.13 indicates potential undervaluation.
Price to Book
The market values Royal Bancshares of Pennsylvania, Inc. at 2.63 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -5.32 times EBITDA. This is generally considered low.
How Well Does RBPAA Make Money?
Net Profit Margin
For every $100 in sales, Royal Bancshares of Pennsylvania, Inc. keeps $39.75 as profit after all expenses.
Operating Margin
Core operations generate 35.13 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.79 in profit for every $100 of shareholder equity.
ROA
Royal Bancshares of Pennsylvania, Inc. generates $1.25 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $0.21 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.11
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.13
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.63
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.01
vs 25 benchmark
Current Ratio
Current assets to current liabilities
10.27
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How RBPAA Stacks Against Its Sector Peers
| Metric | RBPAA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.11 | 18.56 | Better (Cheaper) |
| ROE | 16.79% | 828.00% | Weak |
| Net Margin | 39.75% | 2518.00% | Weak |
| Debt/Equity | 2.01 | 1.00 | Weak (High Leverage) |
| Current Ratio | 10.27 | 663.54 | Strong Liquidity |
| ROA | 1.25% | -21156.00% (disorted) | Weak |
RBPAA outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Royal Bancshares of Pennsylvania, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical