FIRST REPUBLIC BANK/CA (FRC) Fundamental Analysis & Valuation

NYSE:FRC • US33616C1009

Current stock price

3.51 USD
-2.68 (-43.3%)
At close:
3.375 USD
-0.13 (-3.85%)
Pre-Market:

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

1

1. FRC Profitability Analysis

1.1 Basic Checks

  • In the past year FRC was profitable.
FRC Yearly Net Income VS EBIT VS OCF VS FCFFRC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B

1.2 Ratios

  • The profitability ratios for FRC are negative, so there is not much use analyzing them.
Industry RankSector Rank
ROA N/A
ROE N/A
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
FRC Yearly ROA, ROE, ROICFRC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2 4 6 8

1.3 Margins

  • FRC's Profit Margin of 24.16% is on the low side compared to the rest of the industry. FRC is outperformed by 68.37% of its industry peers.
  • FRC's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FRC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.87%
PM growth 5Y-0.83%
GM growth 3YN/A
GM growth 5YN/A
FRC Yearly Profit, Operating, Gross MarginsFRC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. FRC Health Analysis

2.1 Basic Checks

  • FRC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FRC has been increased compared to 1 year ago.
  • The debt/assets ratio for FRC has been reduced compared to a year ago.
FRC Yearly Shares OutstandingFRC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M
FRC Yearly Total Debt VS Total AssetsFRC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 50B 100B 150B 200B

2.2 Solvency

Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.65%
FRC Yearly LT Debt VS Equity VS FCFFRC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FRC Yearly Current Assets VS Current LiabilitesFRC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 500M 1B 1.5B

More info and screens

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

4

3. FRC Growth Analysis

3.1 Past

  • FRC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.73%.
  • The Earnings Per Share has been growing by 12.64% on average over the past years. This is quite good.
  • Looking at the last year, FRC shows a small growth in Revenue. The Revenue has grown by 7.22% in the last year.
  • The Revenue has been growing by 17.56% on average over the past years. This is quite good.
EPS 1Y (TTM)-3.73%
EPS 3Y16.63%
EPS 5Y12.64%
EPS Q2Q%-38.5%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y20.63%
Revenue growth 5Y17.56%
Sales Q2Q%-13.4%

3.2 Future

  • Based on estimates for the next years, FRC will show a small growth in Earnings Per Share. The EPS will grow by 4.25% on average per year.
  • The Revenue is expected to grow by 8.36% on average over the next years. This is quite good.
EPS Next Y-86.04%
EPS Next 2Y-44.37%
EPS Next 3Y-29.16%
EPS Next 5Y4.25%
Revenue Next Year-38.58%
Revenue Next 2Y-11.26%
Revenue Next 3Y-0.07%
Revenue Next 5Y8.36%

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.
FRC Yearly Revenue VS EstimatesFRC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B 10B
FRC Yearly EPS VS EstimatesFRC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

5

4. FRC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.47, the valuation of FRC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of FRC indicates a rather cheap valuation: FRC is cheaper than 99.53% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of FRC to the average of the S&P500 Index (25.70), we can say FRC is valued rather cheaply.
  • FRC is valuated cheaply with a Price/Forward Earnings ratio of 1.37.
  • 99.77% of the companies in the same industry are more expensive than FRC, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FRC to the average of the S&P500 Index (23.84), we can say FRC is valued rather cheaply.
Industry RankSector Rank
PE 0.47
Fwd PE 1.37
FRC Price Earnings VS Forward Price EarningsFRC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FRC Per share dataFRC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • FRC's earnings are expected to decrease with -29.16% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.04
EPS Next 2Y-44.37%
EPS Next 3Y-29.16%

More info and screens

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

0

5. FRC Dividend Analysis

5.1 Amount

  • FRC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FRC Fundamentals: All Metrics, Ratios and Statistics

FIRST REPUBLIC BANK/CA

NYSE:FRC (4/28/2023, 8:15:36 PM)

Premarket: 3.375 -0.13 (-3.85%)

3.51

-2.68 (-43.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24
Earnings (Next)07-12
Inst Owners0.02%
Inst Owner Change-20.17%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap642.33M
Revenue(TTM)5.68B
Net Income(TTM)1.37B
Analysts48
Price Target54.37 (1449%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend1.92
Dividend Growth(5Y)12.34%
DP19.75%
Div Incr Years10
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.57%
Min EPS beat(2)3.59%
Max EPS beat(2)43.56%
EPS beat(4)4
Avg EPS beat(4)12.46%
Min EPS beat(4)0.22%
Max EPS beat(4)43.56%
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)1
Avg Revenue beat(2)1.67%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)4.31%
Revenue beat(4)2
Avg Revenue beat(4)0.63%
Min Revenue beat(4)-2.31%
Max Revenue beat(4)4.31%
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)-50.19%
PT rev (3m)-62.27%
EPS NQ rev (1m)-107.84%
EPS NQ rev (3m)-103.54%
EPS NY rev (1m)-81.23%
EPS NY rev (3m)-83.86%
Revenue NQ rev (1m)-22.08%
Revenue NQ rev (3m)-43.34%
Revenue NY rev (1m)-36.81%
Revenue NY rev (3m)-39.83%
Valuation
Industry RankSector Rank
PE 0.47
Fwd PE 1.37
P/S 0.11
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)7.48
EY213.11%
EPS(NY)2.55
Fwd EY72.74%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS31.03
BVpSN/A
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.04
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.16%
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 3Y-0.87%
PM growth 5Y-0.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score0
Asset TurnoverN/A
Health
Industry RankSector Rank
Debt/Equity N/A
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-Score0
WACC6.65%
ROIC/WACCN/A
Cap/Depr(3y)99.91%
Cap/Depr(5y)107.74%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)38.22%
Profit Quality(5y)64.97%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.73%
EPS 3Y16.63%
EPS 5Y12.64%
EPS Q2Q%-38.5%
EPS Next Y-86.04%
EPS Next 2Y-44.37%
EPS Next 3Y-29.16%
EPS Next 5Y4.25%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y20.63%
Revenue growth 5Y17.56%
Sales Q2Q%-13.4%
Revenue Next Year-38.58%
Revenue Next 2Y-11.26%
Revenue Next 3Y-0.07%
Revenue Next 5Y8.36%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3Y10.83%
EBIT Next 5YN/A
FCF growth 1Y-94.53%
FCF growth 3Y-58.52%
FCF growth 5Y-42.1%
OCF growth 1Y-79.07%
OCF growth 3Y-35.49%
OCF growth 5Y-24.28%

FIRST REPUBLIC BANK/CA / FRC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST REPUBLIC BANK/CA?

ChartMill assigns a fundamental rating of 2 / 10 to FRC.


Can you provide the valuation status for FIRST REPUBLIC BANK/CA?

ChartMill assigns a valuation rating of 10 / 10 to FIRST REPUBLIC BANK/CA (FRC). This can be considered as Undervalued.


What is the profitability of FRC stock?

FIRST REPUBLIC BANK/CA (FRC) has a profitability rating of 0 / 10.


How financially healthy is FIRST REPUBLIC BANK/CA?

The financial health rating of FIRST REPUBLIC BANK/CA (FRC) is 0 / 10.


Can you provide the dividend sustainability for FRC stock?

The dividend rating of FIRST REPUBLIC BANK/CA (FRC) is 0 / 10 and the dividend payout ratio is 19.75%.