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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

Taking everything into account, EBSB scores 3 out of 10 in our fundamental rating. EBSB was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. The financial health of EBSB is average, but 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

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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4

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, EBSB has less shares outstanding
  • 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.
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

  • 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 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.
  • 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.
  • 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

  • The Earnings Per Share is expected to grow by 7.12% on average over the next years.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • The Price/Earnings ratio is 15.19, which indicates a correct valuation of EBSB.
  • EBSB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.38.
  • EBSB is valuated correctly with a Price/Forward Earnings ratio of 16.91.
  • When comparing the Price/Forward Earnings ratio of EBSB to the average of the S&P500 Index (24.29), 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

  • With a Yearly Dividend Yield of 1.62%, EBSB has a reasonable but not impressive dividend return.
  • EBSB's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • On average, the dividend of EBSB grows each year by 23.47%, which is quite nice.
  • 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.
  • EBSB's earnings are growing slower than its dividend. 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.