Royal Financial Inc., through its subsidiary Royal Savings Bank, provides commercial and retail banking services to individuals and businesses.
Flawless balance sheet and overvalued.
Share Price & News
How has Royal Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: RYFL has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: RYFL underperformed the US Mortgage industry which returned -17.4% over the past year.
Return vs Market: RYFL underperformed the US Market which returned 16.4% over the past year.
Price Volatility Vs. Market
How volatile is Royal Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Royal Financial 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: RYFL ($11.65) is trading above our estimate of fair value ($8.12)
Significantly Below Fair Value: RYFL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RYFL is poor value based on its PE Ratio (14.6x) compared to the US Mortgage industry average (11.3x).
PE vs Market: RYFL is good value based on its PE Ratio (14.6x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RYFL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: RYFL's PB Ratio (0.7x) is in line with the US Mortgage industry average.
How is Royal Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Royal Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Royal Financial's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Royal Financial's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Royal Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RYFL has high quality earnings.
Growing Profit Margin: RYFL's current net profit margins (15.2%) are lower than last year (25%).
Past Earnings Growth Analysis
Earnings Trend: RYFL's earnings have declined by 7.8% per year over the past 5 years.
Accelerating Growth: RYFL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: RYFL had negative earnings growth (-44.9%) over the past year, making it difficult to compare to the Mortgage industry average (7.2%).
Return on Equity
High ROE: RYFL's Return on Equity (4.8%) is considered low.
How is Royal Financial'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: RYFL's Assets to Equity ratio (10.1x) is moderate.
Allowance for Bad Loans: RYFL has a sufficient allowance for bad loans (131%).
Low Risk Liabilities: 95% of RYFL's liabilities are made up of primarily low risk sources of funding.
Loan Level: RYFL has an appropriate level of Loans to Assets ratio (82%).
Low Risk Deposits: RYFL's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: RYFL has an appropriate level of bad loans (0.7%).
What is Royal Financial current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate RYFL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate RYFL'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 RYFL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if RYFL'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 RYFL'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
Len Szwajkowski (57 yo)
Mr. Leonard S. Szwajkowski, also known as Len, has been Director, President and Chief Executive Officer of Royal Financial, Inc. and Royal Savings Bank since October 4, 2007. He served as Interim Chief Fin ...
CEO Compensation Analysis
Compensation vs Market: Len's total compensation ($USD431.83K) is about average for companies of similar size in the US market ($USD593.60K).
Compensation vs Earnings: Len's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Senior VP & CFO||0.42yr||US$166.25k||no data|
|Senior VP & COO||10.58yrs||US$189.15k||no data|
|Senior Vice President of Lending & Chief Lending Officer||17.08yrs||US$239.69k||no data|
|Senior VP||2.58yrs||US$216.10k||no data|
Experienced Management: RYFL's management team is seasoned and experienced (10.6 years average tenure).
|Independent Director||15.67yrs||US$46.29k||no data|
|Independent Director||9.33yrs||US$46.29k||no data|
|Independent Chairman of the Board||12.83yrs||US$63.83k||no data|
|Independent Director||12.08yrs||US$46.29k||no data|
|Independent Director||10.83yrs||US$46.29k||no data|
|Independent Director||2.83yrs||US$40.41k||no data|
Experienced Board: RYFL's board of directors are seasoned and experienced ( 12.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Royal Financial Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Royal Financial Inc.
- Ticker: RYFL
- Exchange: OTCPK
- Founded: 2005
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$29.796m
- Shares outstanding: 2.56m
- Website: https://www.royalbankweb.com
- Royal Financial Inc.
- 9226 South Commercial Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|RYFL||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Jan 2005|
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 checkin ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/10 23:37|
|End of Day Share Price||2020/08/07 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.