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Boston Pvt Finl Hld (BPFH) Stock Fundamental Analysis

USA - NASDAQ:BPFH -

14.75
+0.01 (+0.07%)
Last: 6/30/2021, 8:00:02 PM
14.75
0 (0%)
After Hours: 6/30/2021, 8:00:02 PM
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to BPFH. BPFH was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of BPFH have multiple concerns. BPFH does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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

BPFH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

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1

2. Health

2.1 Basic Checks

There is no outstanding debt for BPFH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

BPFH has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
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

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3

3. Growth

3.1 Past

The earnings per share for BPFH have decreased by -8.33% in the last year.
BPFH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.36% yearly.
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

Based on estimates for the next years, BPFH will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.59% on average per year.
BPFH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.13% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 22.35, the valuation of BPFH can be described as rather expensive.
BPFH's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.57.
The Price/Forward Earnings ratio is 18.54, which indicates a rather expensive current valuation of BPFH.
When comparing the Price/Forward Earnings ratio of BPFH to the average of the S&P500 Index (23.09), 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

The 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%

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3

5. Dividend

5.1 Amount

BPFH has a Yearly Dividend Yield of 1.63%. Purely for dividend investing, there may be better candidates out there.
BPFH's Dividend Yield is slightly below the S&P500 average, which is at 2.32.
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

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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
Revenue(TTM)334.18M
Net Income(TTM)55.01M
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
Graham NumberN/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
ROICexgc growth 3Y0%
ROICexgc 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