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Royal Financial

OTCPK:RYFL
Snowflake Description

Flawless balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
RYFL
OTCPK
$40M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Royal Financial Inc., through its subsidiary Royal Savings Bank, provides commercial and retail banking services to individuals and businesses. The last earnings update was 23 days ago. More info.


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RYFL Share Price and Events
7 Day Returns
-0.5%
OTCPK:RYFL
-0.3%
US Mortgage
-1%
US Market
1 Year Returns
-6.8%
OTCPK:RYFL
-0.7%
US Mortgage
-0.4%
US Market
RYFL Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Royal Financial (RYFL) -0.5% -0.3% 2.8% -6.8% 26% 100.6%
US Mortgage -0.3% -2% -1% -0.7% 24.5% 41.1%
US Market -1% -3.3% 0.8% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • RYFL underperformed the Mortgage industry which returned -0.7% over the past year.
  • RYFL underperformed the Market in United States of America which returned -0.4% over the past year.
Price Volatility
RYFL
Industry
5yr Volatility vs Market

Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Royal Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Royal Financial.

OTCPK:RYFL Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $13.45 * 5.2%
$0.69
Book Value of Equity per Share Median Book Value from the past 5 years. $13.45
Discount Rate (Cost of Equity) See below 8.6%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:RYFL
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.81
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.809 (1 + (1- 21%) (27.98%))
0.992
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.99
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.992 * 5.96%)
8.64%

Discounted Cash Flow Calculation for OTCPK:RYFL using Excess Returns Model Model

The calculations below outline how an intrinsic value for Royal Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:RYFL Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (5.2% – 8.64%) * $13.45)
$-0.47
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.47 / (8.64% - 2.73%)
$-7.94
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $13.45 + $-7.94
$5.51
OTCPK:RYFL Discount to Share Price
Calculation Result
Value per share (USD) From above. $5.51
Current discount Discount to share price of $15.75
= -1 x ($15.75 - $5.51) / $5.51
-185.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Royal Financial is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Royal Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Royal Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:RYFL PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $1.46
OTCPK:RYFL Share Price ** OTCPK (2019-08-14) in USD $15.75
United States of America Mortgage Industry PE Ratio Median Figure of 128 Publicly-Listed Mortgage Companies 13.95x
United States of America Market PE Ratio Median Figure of 3,096 Publicly-Listed Companies 17.26x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Royal Financial.

OTCPK:RYFL PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:RYFL Share Price ÷ EPS (both in USD)

= 15.75 ÷ 1.46

10.79x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Royal Financial is good value based on earnings compared to the US Mortgage industry average.
  • Royal Financial is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Royal Financial's expected growth come at a high price?
Raw Data
OTCPK:RYFL PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 10.79x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
5.1%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 48 Publicly-Listed Mortgage Companies 1.35x
United States of America Market PEG Ratio Median Figure of 2,126 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Royal Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Royal Financial's assets?
Raw Data
OTCPK:RYFL PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $15.65
OTCPK:RYFL Share Price * OTCPK (2019-08-14) in USD $15.75
United States of America Mortgage Industry PB Ratio Median Figure of 144 Publicly-Listed Mortgage Companies 1.1x
United States of America Market PB Ratio Median Figure of 5,273 Publicly-Listed Companies 1.7x
OTCPK:RYFL PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:RYFL Share Price ÷ Book Value per Share (both in USD)

= 15.75 ÷ 15.65

1.01x

* Primary Listing of Royal Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Royal Financial is good value based on assets compared to the US Mortgage industry average.
X
Value checks
We assess Royal Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Royal Financial has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

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

  • No analysts cover Royal Financial, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
5.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Royal Financial expected to grow at an attractive rate?
  • Royal Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Royal Financial's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Royal Financial's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:RYFL Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:RYFL Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 5.1%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 9.3%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 5.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:RYFL Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:RYFL Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 15 4
2019-03-31 15 4
2018-12-31 15 4
2018-09-30 14 1
2018-06-30 13 4 2
2018-03-31 12 1
2017-12-31 12 1
2017-09-30 11 3
2017-06-30 11 3 2
2017-03-31 12 1
2016-12-31 11 1
2016-09-30 10 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Royal Financial's earnings are expected to grow by 5.1% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Royal Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:RYFL Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Royal Financial Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:RYFL Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 1.46
2019-03-31 1.58
2018-12-31 1.61
2018-09-30 0.54
2018-06-30 0.69
2018-03-31 0.50
2017-12-31 0.30
2017-09-30 1.23
2017-06-30 0.81
2017-03-31 0.50
2016-12-31 0.37
2016-09-30 0.44

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Royal Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Royal Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Royal Financial has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Royal Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Royal Financial's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Royal Financial's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • Royal Financial's 1-year earnings growth exceeds its 5-year average (113.1% vs -5.1%)
  • Royal Financial's earnings growth has exceeded the US Mortgage industry average in the past year (113.1% vs 32.9%).
Earnings and Revenue History
Royal Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Royal Financial Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:RYFL Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 14.79 3.70 8.15
2019-03-31 14.91 4.08 8.14
2018-12-31 14.57 4.08 8.15
2018-09-30 14.05 1.35 7.94
2018-06-30 13.34 1.74 7.78
2018-03-31 12.14 1.24 7.68
2017-12-31 11.75 0.76 7.41
2017-09-30 11.48 3.12 7.38
2017-06-30 11.33 2.03 7.55
2017-03-31 11.57 1.27 7.39
2016-12-31 10.66 0.93 6.05
2016-09-30 9.81 1.09 5.95
2016-06-30 8.72 5.39 5.21
2016-03-31 6.76 5.88 4.73
2015-12-31 6.07 5.94 4.99
2015-09-30 6.00 5.36 5.03
2015-06-30 5.62 0.94 3.83
2015-03-31 5.86 0.56 4.25
2014-12-31 5.78 0.62 4.06
2014-09-30 5.21 0.64 3.66
2014-06-30 5.46 7.70 3.50
2014-03-31 5.75 8.05 3.30
2013-12-31 5.77 8.05 3.25
2013-09-30 5.74 7.92 3.32
2013-06-30 5.24 0.86 3.29
2013-03-31 5.25 0.82 3.44
2012-12-31 5.02 0.22 3.62
2012-09-30 5.22 0.16 3.66

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Royal Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Royal Financial used its assets more efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Royal Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Royal Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Royal Financial has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Royal Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Royal Financial Company Filings, last reported 1 month ago.

OTCPK:RYFL Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 39.84 11.25 16.45
2019-03-31 38.32 11.63 15.10
2018-12-31 36.81 24.00 7.96
2018-09-30 35.29 25.00 11.66
2018-06-30 34.53 32.50 16.07
2018-03-31 33.33 28.95 10.96
2017-12-31 33.08 14.40 137.30
2017-09-30 35.03 14.07 9.40
2017-06-30 33.72 12.88 17.10
2017-03-31 32.36 5.06 13.48
2016-12-31 31.85 12.45 9.30
2016-09-30 32.46 10.20 9.72
2016-06-30 32.11 5.75 8.83
2016-03-31 32.04 10.15 3.38
2015-12-31 31.82 5.00 6.50
2015-09-30 31.12 3.50 20.05
2015-06-30 26.46 0.00 2.29
2015-03-31 26.08 4.00 2.75
2014-12-31 25.87 15.00 3.40
2014-09-30 25.85 25.00 2.51
2014-06-30 25.70 19.00 1.80
2014-03-31 25.49 18.50 4.23
2013-12-31 25.07 19.10 1.82
2013-09-30 24.97 13.90 3.61
2013-06-30 18.10 14.90 3.26
2013-03-31 18.05 25.90 3.69
2012-12-31 18.25 24.03 3.83
2012-09-30 17.82 27.15 2.03
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Royal Financial has an acceptable proportion of non-loan assets held.
  • Royal Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at Royal Financial are broadly funded by customer deposits.
  • Royal Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Royal Financial has a sufficient allowance for bad loans.
  • Royal Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Royal Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Royal Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Royal Financial dividends.
If you bought $2,000 of Royal Financial shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Royal Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Royal Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:RYFL Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 96 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2010 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Royal Financial has not reported any payouts.
  • Unable to verify if Royal Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Royal Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Royal Financial has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Royal Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Royal Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Royal Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Len Szwajkowski
COMPENSATION $346,056
AGE 56
TENURE AS CEO 12.2 years
CEO Bio

Mr. Leonard S. Szwajkowski, also known as Len, has been Director, President and Chief Executive Officer of Royal Financial, Inc. (the “Company”) and Royal Savings Bank (the “Bank”) since October 4, 2007. Previously, Mr. Szwajkowski served the Company and the Bank as Interim Chief Executive Officer (June 2007 to October 2007), Interim Chief Financial Officer (October 2007 to January 2008), Senior Vice President and Chief Financial Officer (April 2006 until October 2007), and Senior Vice President of Finance (February 2006 to April 2006). From May 2003 to February 2006, he served as Vice President, Chief Financial Officer, and Director of Sharlen Electric Co., Chicago, IL. From August 2000 to May 2003, Mr. Szwajkowski was Vice President of Strategic Planning of Advance Bank, Chicago, IL. From April 2000 to August 2000, he was a Financial Consultant with the State of Illinois. From May 1979 to April 2000, he was Senior Vice President, Chief Financial Officer, and Director of East Side Bank and Trust Company, Chicago, IL. Since 1999, Mr. Szwajkowski also has served as an Adjunct Professor at St. Xavier University, Chicago, IL.

CEO Compensation
  • Len's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Len's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Royal Financial management team in years:

9.6
Average Tenure
46
Average Age
  • The average tenure for the Royal Financial management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Len Szwajkowski

TITLE
President
COMPENSATION
$346K
AGE
56
TENURE
12.2 yrs

Toni Gonzalez

TITLE
Senior VP of Operations & IT
COMPENSATION
$138K
AGE
37
TENURE
9.6 yrs

Colleen Thomiszer

TITLE
Accounting Officer
COMPENSATION
$102K
AGE
27
TENURE
1.7 yrs

Andy Morua

TITLE
Senior Vice President of Lending & Chief Lending Officer
COMPENSATION
$196K
AGE
58
TENURE
16.1 yrs

Richard Nichols

TITLE
Senior VP
COMPENSATION
$196K
AGE
46
TENURE
1.6 yrs
Board of Directors Tenure

Average tenure and age of the Royal Financial board of directors in years:

11.1
Average Tenure
63
Average Age
  • The average tenure for the Royal Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Jim Fitch

TITLE
Chairman of the Board
COMPENSATION
$43K
AGE
63
TENURE
11.8 yrs

Len Szwajkowski

TITLE
President
COMPENSATION
$346K
AGE
56
TENURE
11.8 yrs

John Dempsey

TITLE
Director
COMPENSATION
$30K
AGE
81
TENURE
14.7 yrs

Roger Hupe

TITLE
Director
COMPENSATION
$30K
AGE
74
TENURE
9.8 yrs

Phil Timyan

TITLE
Director
COMPENSATION
$37K
AGE
61
TENURE
8.3 yrs

Mike McLaren

TITLE
Director
COMPENSATION
$30K
AGE
71
TENURE
11.1 yrs

Robert Youman

TITLE
Director
COMPENSATION
$16K
AGE
56
TENURE
1.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Royal Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Royal Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Royal Financial Inc., through its subsidiary Royal Savings Bank, provides commercial and retail banking services to individuals and businesses. The company offers savings, NOW, non-interest bearing checking, money market, time deposit, and individual retirement accounts; certificates of deposit; loans, such as residential and commercial mortgage, business, and home equity loans; Harland check reorders; online, mobile, and telephone banking services; and cash management services. It operates through a network of seven branches in Chicago, a branch in Niles, and a branch in Westmont, Illinois, as well as loan production offices in Homewood and St. Charles, Illinois. The company was founded in 1887 and is based in Chicago, Illinois.

Details
Name: Royal Financial Inc.
RYFL
Exchange: OTCPK
Founded: 1887
$40,207,403
2,552,851
Website: http://www.royalbankweb.com
Address: Royal Financial Inc.
9226 South Commercial Avenue,
Chicago,
Illinois, 60617,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK RYFL Common Stock Pink Sheets LLC US USD 21. Jan 2005
Number of employees
Current staff
Staff numbers
0
Royal Financial employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/18 23:58
End of day share price update: 2019/08/14 00:00
Last earnings filing: 2019/07/26
Last earnings reported: 2019/06/30
Last annual earnings reported: 2019/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.