REPUBLIC FIRST BANCORP INC (FRBK) Fundamental Analysis & Valuation

NASDAQ:FRBK • US7604161072

Current stock price

0.309 USD
-0.39 (-55.86%)
At close:
0.311 USD
+0 (+0.65%)
After Hours:

This FRBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FRBK Profitability Analysis

1.1 Basic Checks

  • FRBK had negative earnings in the past year.
FRBK Yearly Net Income VS EBIT VS OCF VS FCFFRBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 20M -20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of FRBK (0.35%) is worse than 91.55% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.01%, FRBK is in line with its industry, outperforming 48.07% of the companies in the same industry.
Industry RankSector Rank
ROA 0.35%
ROE 11.01%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FRBK Yearly ROA, ROE, ROICFRBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 0 2 4 6

1.3 Margins

  • With a Profit Margin value of 13.38%, FRBK is not doing good in the industry: 89.61% of the companies in the same industry are doing better.
  • FRBK's Profit Margin has improved in the last couple of years.
  • FRBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.4%
PM growth 5Y11.36%
GM growth 3YN/A
GM growth 5YN/A
FRBK Yearly Profit, Operating, Gross MarginsFRBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 0 5 10

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0

2. FRBK Health Analysis

2.1 Basic Checks

  • FRBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for FRBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FRBK Yearly Shares OutstandingFRBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M
FRBK Yearly Total Debt VS Total AssetsFRBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B 5B

2.2 Solvency

  • A Debt/Equity ratio of 4.99 is on the high side and indicates that FRBK has dependencies on debt financing.
  • The Debt to Equity ratio of FRBK (4.99) is worse than 99.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.99
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.12%
FRBK Yearly LT Debt VS Equity VS FCFFRBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRBK Yearly Current Assets VS Current LiabilitesFRBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 200M 400M 600M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FRBK Growth Analysis

3.1 Past

  • The earnings per share for FRBK have decreased strongly by -128.13% in the last year.
  • The Earnings Per Share has been growing by 22.42% on average over the past years. This is a very strong growth
  • FRBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.53%.
  • The Revenue has been growing by 20.90% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-128.12%
EPS 3Y30.06%
EPS 5Y22.42%
EPS Q2Q%-287.5%
Revenue 1Y (TTM)26.53%
Revenue growth 3Y18.96%
Revenue growth 5Y20.9%
Sales Q2Q%-37.6%

3.2 Future

  • Based on estimates for the next years, FRBK will show a very negative growth in Earnings Per Share. The EPS will decrease by -34.49% on average per year.
  • FRBK is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -10.07% yearly.
EPS Next Y5.09%
EPS Next 2Y-73.78%
EPS Next 3Y-34.49%
EPS Next 5YN/A
Revenue Next Year7.77%
Revenue Next 2Y-18.41%
Revenue Next 3Y-10.07%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FRBK Yearly Revenue VS EstimatesFRBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
FRBK Yearly EPS VS EstimatesFRBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0.2 -0.2

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0

4. FRBK Valuation Analysis

4.1 Price/Earnings Ratio

  • FRBK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year FRBK is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
FRBK Price Earnings VS Forward Price EarningsFRBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FRBK Per share dataFRBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2

4.3 Compensation for Growth

  • A cheap valuation may be justified as FRBK's earnings are expected to decrease with -34.49% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-73.78%
EPS Next 3Y-34.49%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FRBK Dividend Analysis

5.1 Amount

  • FRBK has a Yearly Dividend Yield of 19.22%, which is a nice return.
  • In the last 3 months the price of FRBK has falen by -79.12%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.73, FRBK pays a better dividend. On top of this FRBK pays more dividend than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, FRBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 19.22%

5.2 History

  • FRBK does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • FRBK has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-4%
EPS Next 2Y-73.78%
EPS Next 3Y-34.49%
FRBK Yearly Income VS Free CF VS DividendFRBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 0 20M -20M 40M 60M

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FRBK Fundamentals: All Metrics, Ratios and Statistics

REPUBLIC FIRST BANCORP INC

NASDAQ:FRBK (8/22/2023, 8:58:02 PM)

After market: 0.311 +0 (+0.65%)

0.309

-0.39 (-55.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31
Earnings (Next)N/A
Inst Owners0.26%
Inst Owner Change0%
Ins Owners10.85%
Ins Owner Change0%
Market Cap21.69M
Revenue(TTM)161.96M
Net Income(TTM)21.68M
Analysts45.71
Price Target4.08 (1220.39%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 19.22%
Yearly Dividend0.06
Dividend Growth(5Y)N/A
DP-4%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-161.72%
Min EPS beat(2)-213.12%
Max EPS beat(2)-110.32%
EPS beat(4)0
Avg EPS beat(4)-106.68%
Min EPS beat(4)-213.12%
Max EPS beat(4)-14.75%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-48.51%
Min Revenue beat(2)-48.51%
Max Revenue beat(2)-48.51%
Revenue beat(4)1
Avg Revenue beat(4)15.73%
Min Revenue beat(4)-48.51%
Max Revenue beat(4)97.55%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)60%
PT rev (3m)60%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.13
P/FCF N/A
P/OCF N/A
P/B 0.11
P/tB 0.11
EV/EBITDA N/A
EPS(TTM)-0.09
EYN/A
EPS(NY)-0.34
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.31
BVpS2.8
TBVpS2.8
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 11.01%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.38%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.4%
PM growth 5Y11.36%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.99
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC5.12%
ROIC/WACCN/A
Cap/Depr(3y)292.94%
Cap/Depr(5y)338.69%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-128.12%
EPS 3Y30.06%
EPS 5Y22.42%
EPS Q2Q%-287.5%
EPS Next Y5.09%
EPS Next 2Y-73.78%
EPS Next 3Y-34.49%
EPS Next 5YN/A
Revenue 1Y (TTM)26.53%
Revenue growth 3Y18.96%
Revenue growth 5Y20.9%
Sales Q2Q%-37.6%
Revenue Next Year7.77%
Revenue Next 2Y-18.41%
Revenue Next 3Y-10.07%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y378.42%
FCF growth 3Y48.24%
FCF growth 5YN/A
OCF growth 1Y870.05%
OCF growth 3Y27.75%
OCF growth 5Y73.27%

REPUBLIC FIRST BANCORP INC / FRBK Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for REPUBLIC FIRST BANCORP INC?

ChartMill assigns a fundamental rating of 1 / 10 to FRBK.


What is the valuation status of REPUBLIC FIRST BANCORP INC (FRBK) stock?

ChartMill assigns a valuation rating of 0 / 10 to REPUBLIC FIRST BANCORP INC (FRBK). This can be considered as Overvalued.


What is the profitability of FRBK stock?

REPUBLIC FIRST BANCORP INC (FRBK) has a profitability rating of 1 / 10.


Can you provide the financial health for FRBK stock?

The financial health rating of REPUBLIC FIRST BANCORP INC (FRBK) is 0 / 10.


How sustainable is the dividend of REPUBLIC FIRST BANCORP INC (FRBK) stock?

The dividend rating of REPUBLIC FIRST BANCORP INC (FRBK) is 4 / 10 and the dividend payout ratio is -4%.