Event-Driven Stocks

REPUBLIC FIRST BANCORP INC

Financials · State Commercial Banks · PA · SEC filings ↗ · Compare ⊕

Signs● 3 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY21FY20FY19FY18FY17FY16
Revenue$14.6M$11.2M$7.8M$5.7M$4.1M$3.0M
Operating income——————
Net income$7.1M−$593,000−$3.5M$8.6M$8.9M$4.9M
Total assets$5.63B$5.07B$3.34B$2.75B$2.32B$1.92B
Total liabilities$5.30B$4.76B$3.09B$2.51B$2.10B$1.71B
Equity$324.2M$308.1M$249.2M$245.2M$226.5M$215.1M
EPS (diluted)$0.09$-0.01$-0.06$0.15$0.15$0.12
Shares out.58.9M58.9M58.8M57.0M56.8M37.8M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2021
Operating margin
—
Net margin
48.6%
Return on equity
2.2%
Return on assets
0.1%
Return on capital (ROCE)
—
Liabilities / assets
94.2%
Debt / equity
16.35×
Book value / share
$5.51
Revenue growth (YoY)
29.7%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2021
Accruals / assets
−1.3%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
77
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 1 warning● 3 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)