Market Price

89.88 

-0.10 -0.1%

as of Oct 19 '18

52 Week Range:

84.56 106.75


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Republic Bank, together with its subsidiaries, provides private banking, private business banking, real estate lending, and wealth management services to clients in metropolitan areas of the United States. It operates through two segments, Commercial Banking and Wealth Management. The company offers deposit products, such as checking, money market checking, savings, and passbook deposits, as well as certificates of deposit. It also provides a range of lending products that comprise residential mortgage loans, home equity lines of credit, multifamily loans, commercial real estate loans, residential construction loans, personal loans, business loans, and smaller loans and lines of credit to businesses and individuals. The company's loans are secured by single family residences, multifamily buildings, and commercial real estate properties. In addition, it provides wealth management services, which include various investment strategies and products, trust and custody services, full service and online brokerage, financial and estate planning, and access to alternative investments, as well as investing, insurance, and foreign exchange services. As of December 31, 2017, the company offered its services through 76 offices, including 70 preferred banking licensed deposit-taking offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, and San Diego, California; Portland, Oregon; Boston, Massachusetts; Palm Beach, Florida; Greenwich, Connecticut; and New York, New York, as well as 6 offices that provided lending, wealth management, and trust services. First Republic Bank was founded in 1985 and is headquartered in San Francisco, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 19.75
21.64
10.44
16.59
18.64
22.08
24.02
27.45
30.08
34.38
40.10
growth rate 9.6% -51.8% 58.9% 12.4% 18.5% 8.8% 14.3% 9.6% 14.3% 16.6%
Earnings BIT 22.76
20.53
605.78
469.65
554.73
580.47
663.56
growth rate -9.8% 2,850.7% -22.5% 18.1% 4.6% 14.3%
Avg.PE 13.83
11.53
11.88
16.89
19.98
21.65
23.13
20.28
growth rate -16.6% 3.0% 42.2% 18.3% 8.4% 6.8% -12.3%
ROA 0.10
0.10
1.74
1.28
1.40
1.19
1.10
0.95
0.86
0.91
0.87
growth rate 0.0% 1,640.0% -26.4% 9.4% -15.0% -7.6% -13.6% -9.5% 5.8% -4.4%
ROE 0.60
0.40
26.74
15.79
15.12
13.68
13.66
12.05
10.77
11.54
11.11
growth rate -33.3% 6,585.0% -41.0% -4.2% -9.5% -0.2% -11.8% -10.6% 7.2% -3.7%
ROIC 34.48
17.14
11.17
8.16
7.01
growth rate -50.3% -34.8% -27.0% -14.1%
Leverage 15.38
10.47
11.04
11.86
12.88
12.43
12.51
12.70
12.86
growth rate -31.9% 5.4% 7.4% 8.6% -3.5% 0.6% 1.5% 1.3%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 37,130.93
47,893.47
58,602.38
68,918.71
growth rate 29.0% 22.4% 17.6%
Cur.Assets 1,421.27
1,663.22
3,043.57
3,639.44
growth rate 17.0% 83.0% 19.6%
Total Assets 19,693.91
19,940.60
22,377.60
27,791.80
34,387.70
42,112.80
48,350.20
58,981.29
73,277.77
87,780.51
growth rate 1.3% 12.2% 24.2% 23.7% 22.5% 14.8% 22.0% 24.2% 19.8%
Cash 178.60
1,528.10
-897.30
-28.50
-28.50
817.15
1,131.11
2,107.72
2,297.02
growth rate 755.6% -100.0% 0.0% 0.0% 100.0% 38.4% 86.3% 9.0%
Cur.Liabilities 37,160.06
48,033.15
60,171.60
69,018.71
growth rate 29.3% 25.3% 14.7%
Liabilities 17,008.12
18,644.20
20,239.40
25,274.00
30,989.10
37,952.70
43,571.74
53,275.60
66,369.12
79,962.21
growth rate 9.6% 8.6% 24.9% 22.6% 22.5% 14.8% 22.3% 24.6% 20.5%
LT Debt 67.46
3,217.95
2,009.00
2,010.00
2,329.00
3,281.50
5,193.10
5,707.42
4,426.80
5,261.31
9,971.81
growth rate 4,670.2% -37.6% 0.1% 15.9% 40.9% 58.3% 9.9% -22.4% 18.9% 89.5%
Equity 2,452.06
2,685.79
1,296.30
2,138.20
2,517.80
3,398.50
3,270.50
3,888.94
4,716.16
5,769.13
6,828.30
growth rate 9.5% -51.7% 65.0% 17.8% 35.0% -3.8% 18.9% 21.3% 22.3% 18.4%
Common Shares 124.13
124.13
126.00
129.00
133.00
134.00
136.00
140.00
146.00
154.00
162.00
growth rate 0.0% 1.5% 2.4% 3.1% 0.8% 1.5% 2.9% 4.3% 5.5% 5.2%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 35.84
25.08
0.00
0.00
46.20
55.10
42.07
52.71
86.75
growth rate -30.0% -100.0% 19.3% -12.6% 25.3% 64.6%
Cash Dividends 20.51
0.00
0.00
0.00
4.60
59.70
130.03
143.36
163.54
growth rate -100.0% 1,197.8% 47.6% 10.3% 14.1%
Cash From OA 1,029.09
210.57
38.40
194.30
64.50
439.50
516.21
627.26
852.49
growth rate -79.5% -81.8% 406.0% -66.8% 581.4% 8.4% 21.5% 35.9%
FCF per Share 1.31
0.66
2.86
2.91
2.91
4.82
3.46
5.88
growth rate -49.6% 333.3% 1.8% 0.0% 65.6% -28.2% 69.9%
Sale Purchase of Stock 244.08
435.68
535.93
growth rate 78.5% 23.0%
FCF 993.25
185.49
24.00
169.00
18.00
384.00
502.00
474.00
538.00
766.00
845.00
growth rate -81.3% -87.1% 604.2% -89.4% 2,033.3% 30.7% -5.6% 13.5% 42.4% 10.3%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 466.31
594.14
1,072.50
1,002.00
1,183.70
1,341.80
1,468.50
1,592.62
1,786.28
2,164.78
2,551.74
growth rate 27.4% 80.5% -6.6% 18.1% 13.4% 9.4% 8.5% 12.2% 21.2% 17.9%
Op.Income 605.80
469.60
554.70
601.30
663.60
723.92
747.68
896.80
988.62
growth rate -22.5% 18.1% 8.4% 10.4% 9.1% 3.3% 19.9% 10.2%
IBT 20.53
605.78
469.65
554.73
580.47
669.88
690.67
827.60
912.20
growth rate 2,850.7% -22.5% 18.1% 4.6% 7.4% 3.1% 19.8% 10.2%
Net Income 10.00
346.60
271.20
352.10
402.50
462.10
487.01
522.15
673.43
757.66
growth rate 3,366.0% -21.8% 29.8% 14.3% 14.8% 5.4% 7.2% 29.0% 12.5%
EPS 0.11
0.08
0.00
2.10
2.67
2.75
3.10
3.07
3.18
3.93
4.31
growth rate -27.3% -100.0% 27.1% 3.0% 12.7% -1.0% 3.6% 23.6% 9.7%
Gross Profit 1,592.62
1,786.28
2,164.78
2,551.74
growth rate 12.2% 21.2% 17.9%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Balance Sheet
Acct.Receivable 19.90
31.60
growth rate 58.8%
Acct.Payable 63,293.71
65,436.32
68,918.71
71,255.07
72,771.95
growth rate 3.4% 5.3% 3.4% 2.1%
Cur.Assets 3,646.12
4,580.69
3,639.44
5,792.13
5,573.82
growth rate 25.6% -20.6% 59.2% -3.8%
Total Assets 80,978.23
84,320.10
87,780.51
90,223.51
93,851.46
growth rate 4.1% 4.1% 2.8% 4.0%
Cash 2,295.13
2,681.60
2,297.02
3,839.93
3,993.23
growth rate 16.8% -14.3% 67.2% 4.0%
Inventory 1.93
growth rate
Cur.Liabilities 64,109.36
66,304.69
69,018.71
73,429.39
74,935.18
growth rate 3.4% 4.1% 6.4% 2.1%
Liabilities 73,718.15
76,892.15
79,962.21
82,386.97
85,575.49
growth rate 4.3% 4.0% 3.0% 3.9%
LT Debt 8,593.28
9,571.29
9,971.81
8,022.33
9,772.85
growth rate 11.4% 4.2% -19.6% 21.8%
Equity 6,270.08
6,437.95
6,828.30
6,996.54
7,135.97
growth rate 2.7% 6.1% 2.5% 2.0%
Common Shares 1.58
1.58
1.62
1.62
1.63
growth rate 0.1% 2.4% 0.1% 0.4%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 42.09
38.33
26.29
26.29
36.51
growth rate -8.9% -31.4% 0.0% 38.9%
Cash Dividends 41.54
41.63
40.22
40.22
41.86
growth rate 0.2% -3.4% 0.0% 4.1%
Cash From OA 244.09
290.16
268.72
268.72
77.27
growth rate 18.9% -7.4% 0.0% -71.3%
Sale Purchase of Stock 2.32
2.30
3.03
3.03
growth rate -1.1% 32.1% 0.0%
FCF 202.00
251.83
242.42
242.42
40.76
growth rate 24.7% -3.7% 0.0% -83.2%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 617.40
660.17
682.12
707.86
724.74
growth rate 6.9% 3.3% 3.8% 2.4%
Op.Income 239.19
261.03
256.16
261.81
268.25
growth rate 9.1% -1.9% 2.2% 2.5%
IBT 220.30
241.81
236.57
246.28
252.19
growth rate 9.8% -2.2% 4.1% 2.4%
Net Income 186.60
200.01
194.28
199.08
209.78
growth rate 7.2% -2.9% 2.5% 5.4%
EPS
growth rate
Gross Profit 617.40
660.17
682.12
707.86
724.74
growth rate 6.9% 3.3% 3.8% 2.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (91.36)

YOY Growth Grade:

C (58.58)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 19.91 19.67 16.76
EPS / Growth 9.9% 4.57 12.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 17.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.9% 13.3% 13.3%
Future PE 16.76 21.08 21.08
Future EPS 11.74 15.90 15.90
Value Price
MOS %
48.64
-45.9%
82.82
-7.9%
82.82
-7.9%
MOS Price 24.32 41.41 41.41
IRT 10.79 9.57 9.57

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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