OTCPK:FRFC

Stock Analysis Report

First Robinson Financial

Executive Summary

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking products and financial services to individual and corporate customers.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • First Robinson Financial is not covered by any analysts.

Share Price & News

How has First Robinson Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:FRFC

-1.8%

US Banks

-1.6%

US Market


1 Year Return

11.9%

OTCPK:FRFC

-16.1%

US Banks

-3.0%

US Market

FRFC outperformed the Banks industry which returned -16.1% over the past year.

FRFC outperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

FRFCIndustryMarket
7 Day0%-1.8%-1.6%
30 Day-1.8%-10.1%-5.7%
90 Day0%-5.0%0.2%
1 Year14.5%11.9%-13.7%-16.1%-0.8%-3.0%
3 Yearn/a37.9%28.5%38.1%29.1%
5 Year101.1%77.0%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is First Robinson Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is First Robinson Financial undervalued based on future cash flows and its price relative to the stock market?

11.15x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

First Robinson Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

First Robinson Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

First Robinson Financial is good value based on earnings compared to the US Banks industry average.

First Robinson Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for First Robinson Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

First Robinson Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is First Robinson Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

6.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if First Robinson Financial is high growth as no revenue estimate data is available.

First Robinson Financial's earnings are expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare First Robinson Financial's revenue growth to the United States of America market average as no estimate data is available.

First Robinson Financial's earnings growth is positive but not above the United States of America market average.

First Robinson Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if First Robinson Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has First Robinson Financial performed over the past 5 years?

4.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

First Robinson Financial's year on year earnings growth rate has been positive over the past 5 years.

First Robinson Financial's 1-year earnings growth exceeds its 5-year average (31% vs 4.7%)

First Robinson Financial's earnings growth has not exceeded the US Banks industry average in the past year (31% vs 33.1%).


Return on Equity

First Robinson Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

First Robinson Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if First Robinson Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is First Robinson Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

First Robinson Financial has an acceptable proportion of non-loan assets held.

First Robinson Financial has a sufficient allowance for bad loans.

First Robinson Financial's liabilities are made up of primarily low risk sources of funding.

First Robinson Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at First Robinson Financial are broadly funded by customer deposits.

First Robinson Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is First Robinson Financial's current dividend yield, its reliability and sustainability?

2.15%

Current Dividend Yield


Upcoming Dividend Payment

Purchase First Robinson Financial before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

First Robinson Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

First Robinson Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.6x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of First Robinson Financial's salary, the management and board of directors tenure and is there insider trading?

22.4yrs

Average board tenure


CEO

Rick Catt (66yo)

30.6yrs

Tenure

US$167,763

Compensation

Mr. Rick L. Catt has been the President, Chief Executive Officer & Director of First Robinson Financial Corporation (the “Company”) since March 1997 and First Robinson Savings Bank, National Association si ...


Board Age and Tenure

22.4yrs

Average Tenure

63.5yo

Average Age

The average tenure for the First Robinson Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Rick Catt (66yo)

    President

    • Tenure: 30.6yrs
    • Compensation: US$167.76k
  • Jamie McReynolds (54yo)

    VP, CFO

    • Tenure: 0.0yrs
  • Stacie Ogle (47yo)

    VP & COO

    • Tenure: 0.0yrs
  • Lori White

    VP & Chief Compliance Officer

    • Tenure: 0.0yrs

Board Members

  • Scott Pulliam (62yo)

    Director

    • Tenure: 34.6yrs
    • Compensation: US$18.25k
  • Rick Catt (66yo)

    President

    • Tenure: 30.6yrs
    • Compensation: US$167.76k
  • Doug Goodwine (57yo)

    Director

    • Tenure: 26.6yrs
    • Compensation: US$17.70k
  • William Thomas (74yo)

    Director

    • Tenure: 0.0yrs
    • Compensation: US$17.20k
  • Robin Guyer (71yo)

    Vice Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$18.25k
  • Steve Neeley (65yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$17.80k
  • Eric Niehaus (49yo)

    Director

    • Tenure: 4.1yrs
  • Eli McCormick (35yo)

    Director

    • Tenure: 2.8yrs

Company Information

First Robinson Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: First Robinson Financial Corporation
  • Ticker: FRFC
  • Exchange: OTCPK
  • Founded: 1997
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$30.983m
  • Shares outstanding: 573.76k
  • Website: https://www.frsb.net

Number of Employees


Location

  • First Robinson Financial Corporation
  • 501 East Main Street
  • Robinson
  • Illinois
  • 62454
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FRFCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJun 1997

Biography

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking products and financial services to individual and co ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:39
End of Day Share Price2019/08/09 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


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.