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Meridian Bncp (EBSB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:EBSB -

24.15
-0.5 (-2.03%)
Last: 11/12/2021, 8:55:49 PM
24.15
0 (0%)
After Hours: 11/12/2021, 8:55:49 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EBSB. EBSB was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. While EBSB seems to be doing ok healthwise, there are quite some concerns on its profitability. EBSB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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 2015 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 2015 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

EBSB 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) 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 2015 2016 2017 2018 2019 2020 10 20 30

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4

2. Health

2.1 Basic Checks

Compared to 1 year ago, EBSB has less shares outstanding
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 2015 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 2015 2016 2017 2018 2019 2020 2B 4B 6B

2.2 Solvency

There is no outstanding debt for EBSB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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 2015 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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4

3. Growth

3.1 Past

EBSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.61%, which is quite impressive.
The Earnings Per Share has been growing by 21.54% on average over the past years. This is a very strong growth
The Revenue has been growing slightly by 5.29% in the past year.
The Revenue has been growing by 12.62% on average over the past years. This is quite good.
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.
The Revenue is expected to decrease by -3.41% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2014 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 2014 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

Based on the Price/Earnings ratio of 15.19, the valuation of EBSB can be described as correct.
Compared to an average S&P500 Price/Earnings ratio of 26.38, EBSB is valued a bit cheaper.
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 (23.83), 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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4

5. Dividend

5.1 Amount

EBSB has a Yearly Dividend Yield of 1.62%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 1.87, EBSB has a dividend comparable with the average S&P500 company.
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 2015 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 2015 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 N/A
Earnings (Next)02-11 2022-02-11/amc
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.


Can you provide the valuation status for Meridian Bncp?

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.


What is the financial health of Meridian Bncp (EBSB) stock?

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


What is the expected EPS growth for Meridian Bncp (EBSB) stock?

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