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Doral Financial Corp
(NYSE: DRL)
AdChoices
5.18
+0.02
+0.39%
After Hours :
5.26
+0.08
+1.54%

Open

5.25

Previous Close

5.16

Volume (Avg)

331.20k (689.07k)

Day's Range

5.10-5.37

52Wk Range

1.87-19.00

Market Cap.

34.44M

Dividend Rate ( Yield )

-

Beta

2.69

Shares Outstanding

6.65M

P/E Ratio (EPS)

-

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 297.68M

    • Net Income

    • -88.29M

    • Market Cap.

    • 34.44M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • -32.90

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • 2.69

    • Forward P/E

    • -

    • Price/Sales

    • 0.11

    • Price/Book Value

    • 0.09

    • Price/Cash flow

    • 0.18

      • EBITDA

      • -76.14M

      • Return on Capital %

      • -1.15

      • Return on Equity %

      • -22.60

      • Return on Assets %

      • -1.15

      • Book Value/Share

      • 57.64

      • Shares Outstanding

      • 6.65M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 32.00 (2/15/2006)

      • Dividend Declaration Date

      • 2/3/2006

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • -19.70

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • -

          • 7.93

          • Net Income

            Q/Q (last year)

          • -

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • 2.98

          • -11.83

          • Net Income

            5-Year Annual Average

          • -

          • 6.49

          • Dividends

            5-Year Annual Average

          • -

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • -29.47

            • 36.31

            • Net Profit Margin

            • -32.90

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • -58.40

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • -49.80

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 6.34

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 22.16

              • 8.88

              • Book Value/Share

              • 57.64

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • -0.35

                • 15.22

                • P/E Ratio 5-Year High

                • -9.68

                • 1,590.26

                • P/E Ratio 5-Year Low

                • -0.13

                • 247.77

                • Price/Sales Ratio

                • 0.11

                • 3.20

                • Price/Book Value

                • 0.09

                • 1.24

                • Price/Cash Flow Ratio

                • 0.18

                • 7.95

                • Key Metrics

                • Company

                • Industry

                  • Return on Equity %

                    (5-Year Average)

                  • -22.60

                    (-19.50)

                  • 11.32

                    (9.64)

                  • Return on Assets %

                    (5-Year Average)

                  • -1.15

                    (-1.00)

                  • 1.26

                    (0.99)

                  • Return on Capital %

                    (5-Year Average)

                  • 1.26

                    (3.20)

                  • 5.43

                    (3.93)

                  • Income/Employee

                  • -

                  • 57.85k

                  • Inventory Turnover

                  • -

                  • -

                  • Asset Turnover

                  • 0.04

                  • 0.05

                  Current Historical
                  Financials
                  • Income Statement
                  • Balance Sheet
                  • Cash Flow
                  Operating Income
                  -87.72M
                  Operating Margin
                  -29.47
                  Total Equity
                  -
                  Retained Earnings
                  -
                  Free Cashflow
                  -
                  Price/Cashflow
                  0.18
                  Ownership

                  Institutional Ownership

                  25.23%

                  Top 10 Institutions

                  19.96%

                  Mutual Fund Ownership

                  6.75%

                  Float

                  95.88%

                  5% / Insider Ownership

                  -

                  Corporate insiders or major stockholders reporting trading activity in the stock.

                  Top Mutual Fund Owners

                  Top Institutional Owners

                  Mutual Fund Name

                  Institution Name

                  • Mutual Fund Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • Vanguard Total Stock Mkt Idx

                  •  

                    170,120

                  • 0.00

                  • 2.56

                  • Vanguard Extended Market Index Fund

                  •  

                    112,414

                  • 0.34

                  • 1.69

                  • Footprints Discover Value Fund

                  •  

                    35,248

                  • 20.51

                  • 0.53

                  • Vanguard Instl Total Stock Market Index

                  •  

                    30,627

                  • 190.19

                  • 0.46

                  • Schroder ISF QEPGlobal Active Value

                  •  

                    18,765

                  • 0.00

                  • 0.30

                  • Fidelity Spartan® Extended Mkt Indx Fd

                  •  

                    18,344

                  • 0.00

                  • 0.28

                  • PowerShares FTSE RAFI US 1500 Sm-Md Port

                  •  

                    16,948

                  • 0.49

                  • 0.20

                  • Fidelity Spartan® Total Market Idx Fund

                  •  

                    7,972

                  • 0.00

                  • 0.12

                  • DFA U.S. Small Cap Portfolio

                  •  

                    6,346

                  • 0.00

                  • 0.10

                  • Bridgeway Omni Tax-Managed Sm-Cp Val Fd

                  •  

                    5,660

                  • 0.00

                  • 0.09

                  • Institution Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • Vanguard Group, Inc.

                  •  

                    304,196

                  • -2.54%

                  • 4.58

                  • New Generation Advisers Inc

                  •  

                    252,020

                  • 0.00%

                  • 3.79

                  • GE Asset Management Inc.

                  •  

                    95,677

                  • 0.00%

                  • 1.44

                  • Northern Trust Investments, N.A.

                  •  

                    69,726

                  • -11.06%

                  • 1.05

                  • Goldman, Sachs & Co.

                  •  

                    51,330

                  • +292.73%

                  • 0.77

                  • Dimensional Fund Advisors, Inc.

                  •  

                    44,763

                  • +12.18%

                  • 0.67

                  • Schroder Investment Management Ltd.

                  •  

                    42,290

                  • 0.00%

                  • 0.64

                  • Footprints Asset Mgmt & Rsrch, Inc.

                  •  

                    35,248

                  • +20.51%

                  • 0.53

                  Company Profile

                  Sector

                  Financial Services

                  Industry

                  Banks – Regional – US

                  Type

                  Distressed

                  Style

                  Small Value

                  Doral Financial Corp was organized in 1972 under the laws of the Commonwealth of Puerto Rico and operates as a bank holding company. Doral Financial’s principal operations are conducted in Puerto Rico, with growing operations in the ...moreUnited States, specifically in the New York City metropolitan area, a well as in northwest and south Florida. The Company operates in five reportable segments, which are: Puerto Rico Growth, United States, Recovery, Treasury and Corporate. United States segment is the Company’s principal source of growth and future focus in the current economic environment. It includes retail banking in the United States through Doral Bank U.S. operations (“Doral Bank US”), a division of Doral Bank, with 8 branches in New York and Florida, and Doral Money, which engages in commercial and...more construction lending in the New York City metropolitan area. This segment also includes the Company’s middle market syndicated lending unit that is engaged in purchasing assigned interests in senior credit facilities in the U.S. syndicated leverage loan market. Approximately 44.9% of the United States segment loan portfolio is secured by real estate. Puerto Rico Growth segment is the Company’s principal market. Through its banking subsidiary, Doral Bank, Doral Financial accepts deposits from the general public and institutions, originates and invests in loans (primarily residential real estate mortgage loans), and offers traditional banking services on the island of Puerto Rico. Approximately 98.6% of the Puerto Rico Growth segment loan portfolio is secured by real estate. Residential mortgage loans are originated through Doral Mortgage, which is primarily engaged in the origination of mortgage loans on behalf of Doral Bank’s Puerto Rico Growth operations. Residential mortgage loan originations are also supplemented by wholesale loan purchases from third parties. The renamed Recovery segment (formerly Liquidating Operations segment) now holds certain distressed and non-performing assets related to borrowers on the island of Puerto Rico, such as residential loans and foreclosed real estate. The Recovery’s segment strategy now involves maximizing the benefit of the assets it holds to the Company either by modifying its loans or liquidating its assets. Approximately 93.8% of the Recovery segment loan portfolio is secured by real estate. The Company’s Treasury function administers the investment securities portfolio, interest rate risk management and liquidity position. It also serves as a source of funding for the Company’s other lines of business. The Corporate segment includes expenses and assets assigned to the Company’s areas that provide support to the other business segments described above, which include finance, risk, human resources, regulatory affairs, legal and information technology. The Company faces competition not only from local commercial banks and credit unions, but also from banking affiliates of banks headquartered in the United States, Spain and Canada. In mortgage lending, the Company also faces competition from independent mortgage banking companies. Doral Financial offers loans with competitive features, emphasizing the quality of its service and pricing its range of products at competitive rates. The Company is subject to ongoing supervision, examination and regulation by the Federal Reserve under the Bank Holding Company Act of 1956 (the “BHC Act”), as amended by the Gramm-Leach-Bliley Act of 1999 (the “Gramm-Leach-Bliley Act”) and the Dodd-Frank Act.lessless

                  Key People

                  Glen R. Wakeman

                  CEO/CEO, Subsidiary/Director/President/President, Subsidiary

                  Dennis G. Buchert

                  Chairman of the Board/Director

                  David E. Hooston

                  CFO/Executive VP/on leave

                  Ms. Nancy Reinhard

                  Chief Accounting Officer/Senior VP/CFO

                  Christopher C. Poulton

                  Executive VP, Divisional

                  • Doral Financial Corp

                  • 1451 Franklin D. Roosevelt Avenue

                  • San Juan, 00920-2717

                  • PRI.Map

                  • Phone: +1 787 474-6700

                  • Fax: +1 787 749-8267

                  • doralfinancial.com

                  Incorporated

                  1972

                  Employees

                  1,333

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