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RANDOLPH BANCORP INC (RNDB) Stock Fundamental Analysis

NASDAQ:RNDB - Nasdaq - US7523781091 - Common Stock - Currency: USD

26.99  -0.01 (-0.04%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to RNDB. 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.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

RNDB had positive earnings in the past year.
RNDB Yearly Net Income VS EBIT VS OCF VS FCFRNDB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M 100M

1.2 Ratios

Industry RankSector 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
RNDB Yearly ROA, ROE, ROICRNDB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 5 10 15

1.3 Margins

The Operating Margin and Gross Margin are not available for RNDB so they could not be analyzed.
Industry RankSector 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
RNDB Yearly Profit, Operating, Gross MarginsRNDB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 10 20

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2. Health

2.1 Basic Checks

RNDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RNDB has less shares outstanding
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.
RNDB Yearly Shares OutstandingRNDB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 1M 2M 3M 4M 5M
RNDB Yearly Total Debt VS Total AssetsRNDB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.86%
RNDB Yearly LT Debt VS Equity VS FCFRNDB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M 100M

2.3 Liquidity

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

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4

3. Growth

3.1 Past

The earnings per share for RNDB have decreased strongly by -75.36% in the last year.
RNDB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 88.78% yearly.
RNDB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -46.91%.
RNDB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.28% yearly.
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

Based on estimates for the next years, RNDB will show a decrease in Earnings Per Share. The EPS will decrease by -4.51% on average per year.
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.
RNDB Yearly Revenue VS EstimatesRNDB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
RNDB Yearly EPS VS EstimatesRNDB Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1 2 3 4

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 26.46, RNDB can be considered very expensive at the moment.
When comparing the Price/Earnings ratio of RNDB to the average of the S&P500 Index (24.21), we can say RNDB is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 14.30, the valuation of RNDB can be described as correct.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.44, RNDB is valued a bit cheaper.
Industry RankSector Rank
PE 26.46
Fwd PE 14.3
RNDB Price Earnings VS Forward Price EarningsRNDB 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
RNDB Per share dataRNDB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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%

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1

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.23%, RNDB has a reasonable but not impressive dividend return.
RNDB's Dividend Yield is comparable with the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 2.23%

5.2 History

RNDB is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
RNDB Yearly Dividends per shareRNDB Yearly Dividends per shareYearly Dividends per share 2021 2022 0.5 1 1.5 2

5.3 Sustainability

DPN/A
EPS Next 2Y-1.88%
EPS Next 3Y-3.96%
RNDB Yearly Income VS Free CF VS DividendRNDB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 0 50M 100M

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RANDOLPH BANCORP INC

NASDAQ:RNDB (10/7/2022, 8:10:51 PM)

26.99

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)07-27 2022-07-27/bmo
Earnings (Next)10-25 2022-10-25/amc
Inst Owners18.41%
Inst Owner Change-44.01%
Ins Owners5.05%
Ins Owner Change0%
Market Cap140.42M
Analysts43.33
Price Target27.54 (2.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 26.46
Fwd PE 14.3
P/S 3.54
P/FCF N/A
P/OCF N/A
P/B 1.57
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.02
EY3.78%
EPS(NY)1.89
Fwd EY6.99%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.62
BVpS17.16
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.3
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 4.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.92%
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
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0
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-Score5
WACC6.86%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
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)-75.36%
EPS 3Y75%
EPS 5Y88.78%
EPS Q2Q%-63.64%
EPS Next Y-21.94%
EPS Next 2Y-1.88%
EPS Next 3Y-3.96%
EPS Next 5Y-4.51%
Revenue 1Y (TTM)-46.91%
Revenue growth 3Y21.04%
Revenue growth 5Y14.28%
Sales Q2Q%-34.81%
Revenue Next Year9.43%
Revenue Next 2Y9.86%
Revenue Next 3Y9.14%
Revenue Next 5Y9.32%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A