Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank that provides financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire.
Randolph Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$21.32|
|52 Week High||US$11.30|
|52 Week Low||US$24.70|
|1 Month Change||4.92%|
|3 Month Change||-10.42%|
|1 Year Change||74.04%|
|3 Year Change||24.75%|
|5 Year Change||61.88%|
|Change since IPO||74.90%|
Recent News & Updates
Do Randolph Bancorp's (NASDAQ:RNDB) Earnings Warrant Your Attention?
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Randolph Bancorp EPS misses by $0.20
Randolph Bancorp (RNDB): Q1 Non-GAAP EPS of $0.79 misses by $0.20; GAAP EPS of $0.78 misses by $0.21.Revenue of $17.51M (+72.5% Y/Y)Press Release
|RNDB||US Mortgage||US Market|
Return vs Industry: RNDB exceeded the US Mortgage industry which returned 14% over the past year.
Return vs Market: RNDB exceeded the US Market which returned 33.8% over the past year.
Stable Share Price: RNDB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: RNDB's weekly volatility (5%) has been stable over the past year.
About the Company
Randolph Bancorp, Inc. operates as the bank holding company for Envision Bank that provides financial services to individuals, families, and small to mid-size businesses in Massachusetts, Rhode Island, and southern New Hampshire. It operates through two segments, Envision Bank and Envision Mortgage. The company accepts checking, NOW, money market, and savings accounts, as well as certificates of deposit and IRAs.
Randolph Bancorp Fundamentals Summary
|RNDB fundamental statistics|
Is RNDB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|RNDB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||4.19|
|Net Profit Margin||28.64%|
How did RNDB perform over the long term?See historical performance and comparison
Is Randolph Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: RNDB ($21.32) is trading above our estimate of fair value ($4.29)
Significantly Below Fair Value: RNDB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RNDB is good value based on its PE Ratio (4.9x) compared to the US Mortgage industry average (12x).
PE vs Market: RNDB is good value based on its PE Ratio (4.9x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: RNDB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: RNDB's PB Ratio (1x) is in line with the US Mortgage industry average.
How is Randolph Bancorp forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: RNDB's earnings are forecast to decline over the next 3 years (-68.4% per year).
Earnings vs Market: RNDB's earnings are forecast to decline over the next 3 years (-68.4% per year).
High Growth Earnings: RNDB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: RNDB's revenue is expected to decline over the next 3 years (-78.7% per year).
High Growth Revenue: RNDB's revenue is forecast to decline over the next 3 years (-78.7% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if RNDB's Return on Equity is forecast to be high in 3 years time
How has Randolph Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RNDB has high quality earnings.
Growing Profit Margin: RNDB's current net profit margins (28.6%) are higher than last year (13.1%).
Past Earnings Growth Analysis
Earnings Trend: RNDB's earnings have grown significantly by 74.2% per year over the past 5 years.
Accelerating Growth: RNDB's earnings growth over the past year (234.8%) exceeds its 5-year average (74.2% per year).
Earnings vs Industry: RNDB earnings growth over the past year (234.8%) exceeded the Mortgage industry 36.9%.
Return on Equity
High ROE: RNDB's Return on Equity (21.1%) is considered high.
How is Randolph Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: RNDB's Assets to Equity ratio (7.4x) is low.
Allowance for Bad Loans: RNDB has a sufficient allowance for bad loans (102%).
Low Risk Liabilities: 89% of RNDB's liabilities are made up of primarily low risk sources of funding.
Loan Level: RNDB has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: RNDB's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: RNDB has an appropriate level of bad loans (1.2%).
What is Randolph Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate RNDB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate RNDB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if RNDB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if RNDB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of RNDB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bill Parent (59 yo)
Mr. William M. Parent, also known as Bill, serves as a President, Chief Executive Officer & Director at Randolph Bancorp, Inc. and Envision Bank since April 1, 2020. He had been the Chief Executive Officer...
CEO Compensation Analysis
Compensation vs Market: Bill's total compensation ($USD1.06M) is above average for companies of similar size in the US market ($USD544.49K).
Compensation vs Earnings: Insufficient data to compare Bill's compensation with company performance.
Experienced Management: RNDB's management team is seasoned and experienced (5.2 years average tenure).
Experienced Board: RNDB's board of directors are considered experienced (8.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: RNDB insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Randolph Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Randolph Bancorp, Inc.
- Ticker: RNDB
- Exchange: NasdaqGM
- Founded: 1851
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$103.896m
- Shares outstanding: 4.87m
- Website: https://www.randolphbancorp.com
Number of Employees
- Randolph Bancorp, Inc.
- 10 Cabot Place
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/19 22:11|
|End of Day Share Price||2021/09/17 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.