26.99 USD
-0.01 (-0.04%)
Taking everything into account, RNDB scores 2 out of 10 in our fundamental rating. RNDB was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. While RNDB seems to be doing ok healthwise, there are quite some concerns on its profitability. RNDB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- RNDB had positive earnings in the past year.
1.2 Ratios
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 4.41% | ||
| 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
- RNDB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 9.92% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- RNDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- RNDB has less shares outstanding than it did 1 year ago.
- There is no outstanding debt for RNDB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- RNDB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- RNDB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.36%.
- Measured over the past years, RNDB shows a very strong growth in Earnings Per Share. The EPS has been growing by 88.78% on average per year.
- RNDB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -46.91%.
- Measured over the past years, RNDB shows a quite strong growth in Revenue. The Revenue has been growing by 14.28% on average per year.
EPS 1Y (TTM)-75.36%
EPS 3Y75%
EPS 5Y88.78%
EPS Q2Q%-63.64%
Revenue 1Y (TTM)-46.91%
Revenue growth 3Y21.04%
Revenue growth 5Y14.28%
Sales Q2Q%-34.81%
3.2 Future
- The Earnings Per Share is expected to decrease by -4.51% on average over the next years.
- The Revenue is expected to grow by 9.32% on average over the next years. This is quite good.
EPS Next Y-21.94%
EPS Next 2Y-1.88%
EPS Next 3Y-3.96%
EPS Next 5Y-4.51%
Revenue Next Year9.43%
Revenue Next 2Y9.86%
Revenue Next 3Y9.14%
Revenue Next 5Y9.32%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 26.46, which means the current valuation is very expensive for RNDB.
- RNDB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.25.
- A Price/Forward Earnings ratio of 14.30 indicates a correct valuation of RNDB.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, RNDB is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.46 | ||
| Fwd PE | 14.3 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- RNDB's earnings are expected to decrease with -3.96% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.3
EPS Next 2Y-1.88%
EPS Next 3Y-3.96%
5. Dividend
5.1 Amount
- RNDB has a Yearly Dividend Yield of 2.23%. Purely for dividend investing, there may be better candidates out there.
- RNDB's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
5.2 History
- RNDB does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
DPN/A
EPS Next 2Y-1.88%
EPS Next 3Y-3.96%
RANDOLPH BANCORP INC / RNDB FAQ
Can you provide the ChartMill fundamental rating for RANDOLPH BANCORP INC?
ChartMill assigns a fundamental rating of 3 / 10 to RNDB.
What is the valuation status of RANDOLPH BANCORP INC (RNDB) stock?
ChartMill assigns a valuation rating of 4 / 10 to RANDOLPH BANCORP INC (RNDB). This can be considered as Fairly Valued.
How profitable is RANDOLPH BANCORP INC (RNDB) stock?
RANDOLPH BANCORP INC (RNDB) has a profitability rating of 1 / 10.
What is the valuation of RANDOLPH BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for RANDOLPH BANCORP INC (RNDB) is 26.46 and the Price/Book (PB) ratio is 1.57.