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Randolph Bancorp, Inc. (RNDB)
Key financial summary
Financials in USD| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 25 | 26 | 23 | 32 | 70 | 52 | 38 |
| Operating profit | $m | 13 | 17 | |||||
| Net profit | $m | 0 | -2 | -2 | 3 | 20 | 10 | 4 |
| EPS reported | $ | 1.92 | 0.78 | |||||
| Operating cashflow per share | $ | -0.14 | -0.14 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | -0.14 | -0.14 | |||||
| Free cash flow | $m | -1 | -15 | |||||
| Net debt | $m | -117 | -29 | |||||
| Book value equity | $m | 101 | 89 | |||||
| Book value per share | $ | 20.21 | 17.59 | |||||
| Number of shares | m | 4.99 | 5.08 | |||||
| DPS (TTM paid) | $ | 2.30 | 2.30 |
Financial summary
Financials in USD| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 12.50 | - | |||||
| P/B LTM | x | 1.19 | 1.53 | |||||
| P/S LTM | x | 2.32 | 3.62 | |||||
| P/FCF LTM | x | -170.73 | -9.10 | |||||
| EV/EBITDA LTM | x | 0.00 | 34.95 | |||||
| EV/Sales LTM | x | 1.01 | 2.85 | |||||
| Earnings Yield LTM | % | 8.00% | 7.12% | |||||
| FCF Yield | % | -0.59% | -10.99% | |||||
| Quality | ||||||||
| ROE | % | 9.52% | 9.57% | |||||
| ROIC | % | 1.20% | 1.20% | |||||
| Operating margin | % | 23.50% | 23.50% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | -1.30% | -1.30% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -50.26% | -81.02% | |||||
| Sales Growth YoY | % | -25.63% | -47.29% | |||||
| Net Income Growth YoY | % | -51.83% | -81.53% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | -57.97% | -43.91% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.63% | 8.52% | |||||
| Dividend Growth | % | - | - | |||||
| Payout Ratio | % | 7.80% | 773.74% | |||||
| FCF/Debt | x | -0.01 | -0.46 | |||||
| Net Debt/EBITDA | x | 0.00 | 0.00 | |||||
| EBIT/Net interest | x | 5.88 | 5.88 | |||||
| Net debt/market cap | % | -97.72% | -21.23% | |||||
| Net debt/Equity | x | -1.16 | -0.33 | |||||
| Gross debt/equity | x | 0.50 | 0.37 | |||||
Company overview
Randolph Bancorp, Inc. serves as the parent entity for Envision Bank, delivering a comprehensive suite of financial solutions. These services cater to individuals, families, and businesses of small to mid-size operations across Massachusetts, Rhode Island, and southern New Hampshire. The company's operations are divided into two primary divisions: Envision Bank and Envision Mortgage. Clients can establish various deposit accounts, including checking, NOW (Negotiable Order of Withdrawal), money market, and savings options, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Lending products span mortgages for one-to-four-family residences, commercial real estate financing, commercial and industrial loans, construction loans, and consumer credit. Additionally, the bank offers home equity loans and lines of credit, and it manages investment securities. For its business customers, Randolph Bancorp provides sophisticated digital tools like remote deposit capture to streamline online banking. Cash management services are also available, encompassing ACH origination, wire transfers, positive pay systems, and account reconciliation. The company maintains a physical footprint with five branch locations in Massachusetts, six dedicated loan production offices, and multiple lending centers situated in both Massachusetts and Southern New Hampshire. Founded in 1851, the company's corporate headquarters are located in Quincy, Massachusetts. As of October 7, 2022, Randolph Bancorp, Inc. operates as a subsidiary of Hometown Financial Group, Inc.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Randolph Bancorp, Inc. (RNDB)
Randolph Bancorp, Inc. serves as the parent entity for Envision Bank, delivering a comprehensive suite of financial solutions. These services cater to individuals, families, and businesses of small to mid-size operations across Massachusetts, Rhode Island, and southern New Hampshire. The company's operations are divided into two primary divisions: Envision Bank and Envision Mortgage. Clients can establish various deposit accounts, including checking, NOW (Negotiable Order of Withdrawal), money market, and savings options, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Lending products span mortgages for one-to-four-family residences, commercial real estate financing, commercial and industrial loans, construction loans, and consumer credit. Additionally, the bank offers home equity loans and lines of credit, and it manages investment securities. For its business customers, Randolph Bancorp provides sophisticated digital tools like remote deposit capture to streamline online banking. Cash management services are also available, encompassing ACH origination, wire transfers, positive pay systems, and account reconciliation. The company maintains a physical footprint with five branch locations in Massachusetts, six dedicated loan production offices, and multiple lending centers situated in both Massachusetts and Southern New Hampshire. Founded in 1851, the company's corporate headquarters are located in Quincy, Massachusetts. As of October 7, 2022, Randolph Bancorp, Inc. operates as a subsidiary of Hometown Financial Group, Inc.
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