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FIRST REPUBLIC BANK/CA (FRC) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:FRC - US33616C1009 - Common Stock

3.51 USD
-2.68 (-43.3%)
Last: 4/28/2023, 8:15:36 PM
3.375 USD
-0.13 (-3.85%)
Pre-Market: 5/1/2023, 9:12:28 AM
Fundamental Rating

2

Taking everything into account, FRC scores 2 out of 10 in our fundamental rating. FRC was compared to 383 industry peers in the Banks industry. FRC has a bad profitability rating. Also its financial health evaluation is rather negative. FRC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

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 has a Profit Margin of 24.16%. This is in the lower half of the industry: FRC underperforms 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

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0

2. Health

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.
  • FRC has a better debt/assets ratio than last year.
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

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4

3. Growth

3.1 Past

  • The earnings per share for FRC have decreased by -3.73% in the last year.
  • Measured over the past years, FRC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.64% on average per year.
  • FRC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.22%.
  • Measured over the past years, FRC shows a quite strong growth in Revenue. The Revenue has been growing by 17.56% on average per year.
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

  • FRC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.25% yearly.
  • FRC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.36% yearly.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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

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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.47, the valuation of FRC can be described as very cheap.
  • 99.53% of the companies in the same industry are more expensive than FRC, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of FRC to the average of the S&P500 Index (28.60), we can say FRC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 1.37, the valuation of FRC can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, FRC is valued cheaply inside the industry as 99.77% of the companies are valued more expensively.
  • FRC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
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

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

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0

5. Dividend

5.1 Amount

  • No dividends for FRC!.
Industry RankSector Rank
Dividend Yield 0%

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FIRST REPUBLIC BANK/CA / FRC 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%.