Meridian Bncp (EBSB) Stock Fundamental Analysis

NASDAQ:EBSB

24.15
-0.5 (-2.03%)
At close: Nov 12, 2021
24.15
0 (0%)
After Hours: 11/12/2021, 8:55:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

EBSB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 0 industry peers in the Thrifts & Mortgage Finance industry. EBSB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, EBSB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • In the past year EBSB was profitable.
EBSB Yearly Net Income VS EBIT VS OCF VS FCFEBSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 20M 40M 60M

1.2 Ratios

Industry RankSector Rank
ROA 1.26%
ROE 9.5%
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
EBSB Yearly ROA, ROE, ROICEBSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

  • The Operating Margin and Gross Margin are not available for EBSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 36.72%
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
EBSB Yearly Profit, Operating, Gross MarginsEBSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The number of shares outstanding for EBSB has been reduced compared to 1 year ago.
  • EBSB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
EBSB Yearly Shares OutstandingEBSB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 10M 20M 30M 40M 50M
EBSB Yearly Total Debt VS Total AssetsEBSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2B 4B 6B

2.2 Solvency

  • EBSB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
EBSB Yearly LT Debt VS Equity VS FCFEBSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 200M 400M 600M

2.3 Liquidity

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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.61% over the past year.
  • Measured over the past years, EBSB shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.54% on average per year.
  • EBSB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.29%.
  • Measured over the past years, EBSB shows a quite strong growth in Revenue. The Revenue has been growing by 12.62% on average per year.
EPS 1Y (TTM)33.61%
EPS 3Y9.08%
EPS 5Y21.54%
EPS Q2Q%9.09%
Revenue 1Y (TTM)5.29%
Revenue growth 3Y7.45%
Revenue growth 5Y12.62%
Sales Q2Q%-6.25%

3.2 Future

  • Based on estimates for the next years, EBSB will show a small growth in Earnings Per Share. The EPS will grow by 7.12% on average per year.
  • EBSB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.41% yearly.
EPS Next Y27.92%
EPS Next 2Y8.19%
EPS Next 3Y7.12%
EPS Next 5Y7.12%
Revenue Next Year-1.69%
Revenue Next 2Y-2.94%
Revenue Next 3Y-3.58%
Revenue Next 5Y-3.41%

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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
EBSB Yearly Revenue VS EstimatesEBSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
EBSB Yearly EPS VS EstimatesEBSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.19 indicates a correct valuation of EBSB.
  • The average S&P500 Price/Earnings ratio is at 27.97. EBSB is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 16.91, EBSB is valued correctly.
  • When comparing the Price/Forward Earnings ratio of EBSB to the average of the S&P500 Index (27.96), we can say EBSB is valued slightly cheaper.
Industry RankSector Rank
PE 15.19
Fwd PE 16.91
EBSB Price Earnings VS Forward Price EarningsEBSB 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
EBSB Per share dataEBSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.54
PEG (5Y)0.71
EPS Next 2Y8.19%
EPS Next 3Y7.12%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • EBSB has a Yearly Dividend Yield of 1.62%.
  • EBSB's Dividend Yield is comparable with the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • The dividend of EBSB is nicely growing with an annual growth rate of 23.47%!
  • EBSB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)23.47%
Div Incr YearsN/A
Div Non Decr YearsN/A
EBSB Yearly Dividends per shareEBSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3

5.3 Sustainability

  • EBSB pays out 5.17% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of EBSB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP5.17%
EPS Next 2Y8.19%
EPS Next 3Y7.12%
EBSB Yearly Income VS Free CF VS DividendEBSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 20M 40M 60M
EBSB Dividend Payout.EBSB Dividend Payout, showing the Payout Ratio.EBSB Dividend Payout.PayoutRetained Earnings

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Meridian Bncp

NASDAQ:EBSB (11/12/2021, 8:55:49 PM)

After market: 24.15 0 (0%)

24.15

-0.5 (-2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)N/A
Earnings (Next)02-11
Inst Owners0.04%
Inst Owner Change0%
Ins Owners0.71%
Ins Owner Change0%
Market Cap1.23B
Revenue(TTM)210.59M
Net Income(TTM)77.32M
Analysts82.5
Price Target25.5 (5.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend0.32
Dividend Growth(5Y)23.47%
DP5.17%
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 15.19
Fwd PE 16.91
P/S 5.83
P/FCF N/A
P/OCF N/A
P/B 1.51
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.59
EY6.58%
EPS(NY)1.43
Fwd EY5.91%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.14
BVpS16
TBVpSN/A
PEG (NY)0.54
PEG (5Y)0.71
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 9.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.72%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
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-Score5
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)33.61%
EPS 3Y9.08%
EPS 5Y21.54%
EPS Q2Q%9.09%
EPS Next Y27.92%
EPS Next 2Y8.19%
EPS Next 3Y7.12%
EPS Next 5Y7.12%
Revenue 1Y (TTM)5.29%
Revenue growth 3Y7.45%
Revenue growth 5Y12.62%
Sales Q2Q%-6.25%
Revenue Next Year-1.69%
Revenue Next 2Y-2.94%
Revenue Next 3Y-3.58%
Revenue Next 5Y-3.41%
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

Meridian Bncp / EBSB FAQ

Can you provide the ChartMill fundamental rating for Meridian Bncp?

ChartMill assigns a fundamental rating of 4 / 10 to EBSB.


What is the valuation status of Meridian Bncp (EBSB) stock?

ChartMill assigns a valuation rating of 4 / 10 to Meridian Bncp (EBSB). This can be considered as Fairly Valued.


Can you provide the profitability details for Meridian Bncp?

Meridian Bncp (EBSB) has a profitability rating of 4 / 10.


Can you provide the financial health for EBSB stock?

The financial health rating of Meridian Bncp (EBSB) is 3 / 10.


What is the earnings growth outlook for Meridian Bncp?

The Earnings per Share (EPS) of Meridian Bncp (EBSB) is expected to grow by 27.92% in the next year.