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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

Taking everything into account, BPFH scores 1 out of 10 in our fundamental rating. BPFH was compared to 388 industry peers in the Banks industry. BPFH has a bad profitability rating. Also its financial health evaluation is rather negative. BPFH has a expensive valuation and it also scores bad on growth.


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

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

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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

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

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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.
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.
BPFH shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.16% yearly.
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

The Earnings Per Share is expected to grow by 18.59% on average over the next years. This is quite good.
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

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.
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 25.07.
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 (34.08), we can say BPFH is valued slightly cheaper.
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 10 20 30

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.
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%

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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 2.44.
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

Boston Pvt Finl Hld / BPFH FAQ

What is the fundamental rating for BPFH stock?

ChartMill assigns a fundamental rating of 2 / 10 to BPFH.


What is the valuation status of Boston Pvt Finl Hld (BPFH) stock?

ChartMill assigns a valuation rating of 2 / 10 to Boston Pvt Finl Hld (BPFH). This can be considered as Overvalued.


What is the profitability of BPFH stock?

Boston Pvt Finl Hld (BPFH) has a profitability rating of 1 / 10.


What is the valuation of Boston Pvt Finl Hld based on its PE and PB ratios?

The Price/Earnings (PE) ratio for Boston Pvt Finl Hld (BPFH) is 22.35 and the Price/Book (PB) ratio is 1.42.


How financially healthy is Boston Pvt Finl Hld?

The financial health rating of Boston Pvt Finl Hld (BPFH) is 2 / 10.