Boston Pvt Finl Hld (BPFH)
Overall BPFH gets a fundamental rating of 1 out of 10. We evaluated BPFH against 412 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.
1. Profitability
1.1 Basic Checks
BPFH had positive earnings in the past year.
1.2 Ratios
| Industry Rank | Sector 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 Rank | Sector 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
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BPFH have decreased by -8.33% in the last year.
The Earnings Per Share has been decreasing by -6.36% on average over the past years.
BPFH shows a small growth in Revenue. In the last year, the Revenue has grown by 2.88%.
Measured over the past years, BPFH shows a decrease in Revenue. The Revenue has been decreasing by -1.16% on average per year.
EPS 1Y (TTM)-8.33%
EPS 3Y-15.02%
EPS 5Y-6.36%
EPS growth Q2Q1200%
Revenue 1Y (TTM)2.88%
Revenue growth 3Y-4.74%
Revenue growth 5Y-1.16%
Revenue growth Q2Q8.72%
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.
Based on estimates for the next years, BPFH will show a small growth in Revenue. The Revenue will grow by 2.13% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.02, which is the current average of the S&P500 Index.
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 (21.32), we can say BPFH is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.35 | ||
| Fwd PE | 18.54 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BPFH's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as BPFH's earnings are expected to grow with 25.53% in the coming years.
PEG (NY)1.01
PEG (5Y)N/A
EPS Next 2Y21.38%
EPS Next 3Y25.53%
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 2.40.
| Industry Rank | Sector 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
5.3 Sustainability
BPFH pays out 44.78% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.78%
EPS Next 2Y21.38%
EPS Next 3Y25.53%
Boston Pvt Finl Hld
NASDAQ:BPFH (6/30/2021, 7:00:02 PM)
After market: 14.75 0 (0%)14.75
+0.01 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.22B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.63% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
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Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.35 | ||
| Fwd PE | 18.54 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.01
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 6.41% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 16.46% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-8.33%
EPS 3Y-15.02%
EPS 5Y
EPS growth Q2Q
EPS Next Y22.15%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.88%
Revenue growth 3Y-4.74%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y