Fundamental Analysis of FIRST REPUBLIC BANK/CA(NYSE:FRC) stock

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to FRC. FRC was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of FRC have multiple concerns. FRC has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

FRC had positive earnings in the past year.

Each year in the past 5 years FRC has been profitable.

In the past 5 years FRC always reported a positive cash flow from operatings.

1.2 Ratios

FRC has negative profitability rations, so we won't be analyzing them here.

		Industry Rank	Sector 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

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.

In the last couple of years the Profit Margin of FRC has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for FRC so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FRC does not have a ROIC to compare to the WACC, probably because it is not profitable.

FRC has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, FRC has more shares outstanding

Compared to 1 year ago, FRC has an improved debt to assets ratio.

2.2 Solvency

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.65%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Revenue has been growing slightly by 7.22% in the past year.

FRC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.56% yearly.

EPS 1Y (TTM)-3.73%

EPS 3Y16.63%

EPS 5Y12.64%

EPS growth Q2Q-38.5%

Revenue 1Y (TTM)7.22%

Revenue growth 3Y20.63%

Revenue growth 5Y17.56%

Revenue growth Q2Q-13.4%

3.2 Future

The Earnings Per Share is expected to grow by 4.25% on average over the next years.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

FRC is valuated cheaply with a Price/Earnings ratio of 0.47.

Based on the Price/Earnings ratio, FRC is valued cheaply inside the industry as 99.53% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 28.28. FRC is valued rather cheaply when compared to this.

Based on the 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 cheaper than 99.77% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.88, FRC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	0.47
Fwd PE	1.37

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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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5. Dividend

5.1 Amount

No dividends for FRC!.

		Industry Rank	Sector Rank
Dividend Yield	0%

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FIRST REPUBLIC BANK/CA

NYSE:FRC (4/28/2023, 7:15:36 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)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap642.33M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

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EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

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Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	0.47
Fwd PE	1.37
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)0.04

Profitability

		Industry Rank	Sector Rank
ROA	N/A
ROE	N/A
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	24.16%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset TurnoverN/A

Health

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-3.73%

EPS 3Y16.63%

EPS 5Y

EPS growth Q2Q

EPS Next Y-86.04%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)7.22%

Revenue growth 3Y20.63%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

FIRST REPUBLIC BANK/CA (FRC)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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