Logo image of BPFH

Boston Pvt Finl Hld (BPFH) Stock Fundamental Analysis

NASDAQ:BPFH - Nasdaq -

14.75  +0.01 (+0.07%)

After market: 14.75 0 (0%)

Fundamental Rating

1

Overall BPFH gets a fundamental rating of 1 out of 10. We evaluated BPFH against 396 industry peers in the Banks industry. Both the profitability and financial health of BPFH have multiple concerns. BPFH has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

0

1. Profitability

1.1 Basic Checks

BPFH had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.52%
ROE 6.41%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Operating Margin and Gross Margin are not available for BPFH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

More info and screens

1

2. Health

2.1 Basic Checks

BPFH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

A Debt/Equity ratio of 0.12 indicates that BPFH is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

3

3. Growth

3.1 Past

The earnings per share for BPFH have decreased by -8.33% in the last year.
Measured over the past years, BPFH shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.36% on average per year.
The Revenue has been growing slightly by 2.88% in the past year.
The Revenue has been decreasing by -1.16% on average over the past years.
EPS 1Y (TTM)-8.33%
EPS 3Y-15.02%
EPS 5Y-6.36%
EPS Q2Q%1200%
Revenue 1Y (TTM)2.88%
Revenue growth 3Y-4.74%
Revenue growth 5Y-1.16%
Sales Q2Q%8.72%

3.2 Future

BPFH is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.59% yearly.
The Revenue is expected to grow by 2.13% on average over the next years.
EPS Next Y22.15%
EPS Next 2Y21.38%
EPS Next 3Y25.53%
EPS Next 5Y18.59%
Revenue Next Year1.03%
Revenue Next 2Y2.51%
Revenue Next 3Y2.01%
Revenue Next 5Y2.13%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BPFH Yearly Revenue VS EstimatesBPFH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
BPFH Yearly EPS VS EstimatesBPFH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 22.35, BPFH is valued on the expensive side.
The average S&P500 Price/Earnings ratio is at 26.52. BPFH is around the same levels.
A Price/Forward Earnings ratio of 18.54 indicates a rather expensive valuation of BPFH.
When comparing the Price/Forward Earnings ratio of BPFH to the average of the S&P500 Index (22.25), we can say BPFH is valued inline with the index average.
Industry RankSector Rank
PE 22.35
Fwd PE 18.54
BPFH Price Earnings VS Forward Price EarningsBPFH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BPFH Per share dataBPFH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

BPFH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
BPFH's earnings are expected to grow with 25.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y21.38%
EPS Next 3Y25.53%

More info and screens

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.63%, BPFH has a reasonable but not impressive dividend return.
BPFH's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
Industry RankSector Rank
Dividend Yield 1.63%

5.2 History

The dividend of BPFH decreases each year by -6.53%.
BPFH has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-6.53%
Div Incr YearsN/A
Div Non Decr YearsN/A
BPFH Yearly Dividends per shareBPFH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3 0.4

5.3 Sustainability

44.78% of the earnings are spent on dividend by BPFH. This is a bit on the high side, but may be sustainable.
DP44.78%
EPS Next 2Y21.38%
EPS Next 3Y25.53%
BPFH Dividend Payout.BPFH Dividend Payout, showing the Payout Ratio.BPFH Dividend Payout.PayoutRetained Earnings

More info and screens

Boston Pvt Finl Hld

NASDAQ:BPFH (6/30/2021, 8:00:02 PM)

After market: 14.75 0 (0%)

14.75

+0.01 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)02-08 2022-02-08/amc
Inst Owners5.39%
Inst Owner Change0%
Ins Owners3.61%
Ins Owner Change0%
Market Cap1.22B
Analysts60
Price Target13.99 (-5.15%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.63%
Yearly Dividend0.24
Dividend Growth(5Y)-6.53%
DP44.78%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 22.35
Fwd PE 18.54
P/S 3.64
P/FCF N/A
P/OCF N/A
P/B 1.42
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.66
EY4.47%
EPS(NY)0.8
Fwd EY5.39%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.05
BVpS10.41
TBVpSN/A
PEG (NY)1.01
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 6.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.46%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.33%
EPS 3Y-15.02%
EPS 5Y-6.36%
EPS Q2Q%1200%
EPS Next Y22.15%
EPS Next 2Y21.38%
EPS Next 3Y25.53%
EPS Next 5Y18.59%
Revenue 1Y (TTM)2.88%
Revenue growth 3Y-4.74%
Revenue growth 5Y-1.16%
Sales Q2Q%8.72%
Revenue Next Year1.03%
Revenue Next 2Y2.51%
Revenue Next 3Y2.01%
Revenue Next 5Y2.13%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A