Prudenital Bancorp Inc of Pennsylvania (PBIP) Fundamental Analysis & Valuation

NASDAQ:PBIP • US74431A1016

Current stock price

15.13
-0.17 (-1.11%)
Last:

This PBIP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. PBIP Profitability Analysis

1.1 Basic Checks

  • PBIP had positive earnings in the past year.
PBIP Yearly Net Income VS EBIT VS OCF VS FCFPBIP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M

1.2 Ratios

Industry RankSector Rank
ROA -0.04%
ROE N/A
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
PBIP Yearly ROA, ROE, ROICPBIP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6

1.3 Margins

  • PBIP 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) -1.65%
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
PBIP Yearly Profit, Operating, Gross MarginsPBIP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 10 20 30

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4

2. PBIP Health Analysis

2.1 Basic Checks

  • PBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, PBIP has less shares outstanding
  • PBIP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PBIP Yearly Shares OutstandingPBIP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2M 4M 6M 8M
PBIP Yearly Total Debt VS Total AssetsPBIP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

2.2 Solvency

  • PBIP 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
WACC9.96%
PBIP Yearly LT Debt VS Equity VS FCFPBIP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M

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. PBIP Growth Analysis

3.1 Past

  • PBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -106.75%.
  • PBIP shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.70% yearly.
  • PBIP shows a decrease in Revenue. In the last year, the revenue decreased by -4.21%.
  • The Revenue has been growing by 11.64% on average over the past years. This is quite good.
EPS 1Y (TTM)-106.75%
EPS 3Y7.89%
EPS 5Y21.7%
EPS Q2Q%0%
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-0.41%
Revenue growth 5Y11.64%
Sales Q2Q%-5.23%

3.2 Future

  • The Earnings Per Share is expected to grow by 0.73% on average over the next years.
  • Based on estimates for the next years, PBIP will show a small growth in Revenue. The Revenue will grow by 2.81% on average per year.
EPS Next Y1.23%
EPS Next 2Y1.23%
EPS Next 3Y0.56%
EPS Next 5Y0.73%
Revenue Next Year2.67%
Revenue Next 2Y3.31%
Revenue Next 3Y2.64%
Revenue Next 5Y2.81%

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.
PBIP Yearly Revenue VS EstimatesPBIP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
PBIP Yearly EPS VS EstimatesPBIP Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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1

4. PBIP Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.44, the valuation of PBIP can be described as correct.
  • When comparing the Price/Earnings ratio of PBIP to the average of the S&P500 Index (25.73), we can say PBIP is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 17.87, the valuation of PBIP can be described as rather expensive.
  • PBIP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 15.44
Fwd PE 17.87
PBIP Price Earnings VS Forward Price EarningsPBIP 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
PBIP Per share dataPBIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.51
PEG (5Y)0.71
EPS Next 2Y1.23%
EPS Next 3Y0.56%

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3

5. PBIP Dividend Analysis

5.1 Amount

  • PBIP has a Yearly Dividend Yield of 1.84%.
  • PBIP's Dividend Yield is comparable with the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 1.84%

5.2 History

  • The dividend of PBIP is nicely growing with an annual growth rate of 11.87%!
  • PBIP has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)11.87%
Div Incr YearsN/A
Div Non Decr YearsN/A
PBIP Yearly Dividends per sharePBIP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 0.2 0.4 0.6

5.3 Sustainability

  • The earnings of PBIP are negative and hence is the payout ratio. PBIP will probably not be able to sustain this dividend level.
  • PBIP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-495.45%
EPS Next 2Y1.23%
EPS Next 3Y0.56%
PBIP Yearly Income VS Free CF VS DividendPBIP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M

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PBIP Fundamentals: All Metrics, Ratios and Statistics

Prudenital Bancorp Inc of Pennsylvania

NASDAQ:PBIP (6/30/2022, 8:22:10 PM)

15.13

-0.17 (-1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)04-29
Earnings (Next)07-21
Inst Owners0.62%
Inst Owner Change0%
Ins Owners2.9%
Ins Owner Change0%
Market Cap117.66M
Revenue(TTM)26.64M
Net Income(TTM)-440.00K
Analysts43.33
Price Target15.3 (1.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.84%
Yearly Dividend0.28
Dividend Growth(5Y)11.87%
DP-495.45%
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 15.44
Fwd PE 17.87
P/S 4.42
P/FCF N/A
P/OCF N/A
P/B 0.98
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY6.48%
EPS(NY)0.85
Fwd EY5.6%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.43
BVpS15.45
TBVpSN/A
PEG (NY)12.51
PEG (5Y)0.71
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.04%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) -1.65%
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-Score3
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-Score3
WACC9.96%
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)-106.75%
EPS 3Y7.89%
EPS 5Y21.7%
EPS Q2Q%0%
EPS Next Y1.23%
EPS Next 2Y1.23%
EPS Next 3Y0.56%
EPS Next 5Y0.73%
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-0.41%
Revenue growth 5Y11.64%
Sales Q2Q%-5.23%
Revenue Next Year2.67%
Revenue Next 2Y3.31%
Revenue Next 3Y2.64%
Revenue Next 5Y2.81%
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

Prudenital Bancorp Inc of Pennsylvania / PBIP Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for Prudenital Bancorp Inc of Pennsylvania?

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


Can you provide the valuation status for Prudenital Bancorp Inc of Pennsylvania?

ChartMill assigns a valuation rating of 2 / 10 to Prudenital Bancorp Inc of Pennsylvania (PBIP). This can be considered as Overvalued.


What is the profitability of PBIP stock?

Prudenital Bancorp Inc of Pennsylvania (PBIP) has a profitability rating of 1 / 10.


What is the financial health of Prudenital Bancorp Inc of Pennsylvania (PBIP) stock?

The financial health rating of Prudenital Bancorp Inc of Pennsylvania (PBIP) is 2 / 10.


What is the expected EPS growth for Prudenital Bancorp Inc of Pennsylvania (PBIP) stock?

The Earnings per Share (EPS) of Prudenital Bancorp Inc of Pennsylvania (PBIP) is expected to grow by 1.23% in the next year.