15.13
-0.17 (-1.11%)
Overall PBIP gets a fundamental rating of 2 out of 10. We evaluated PBIP against 0 industry peers in the Thrifts & Mortgage Finance industry. PBIP scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PBIP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- PBIP had positive earnings in the past year.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
- The Operating Margin and Gross Margin are not available for PBIP so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- PBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- PBIP has less shares outstanding than it did 1 year ago.
- There is no outstanding debt for PBIP. 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
- There is no outstanding debt for PBIP. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- PBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -106.75%.
- Measured over the past years, PBIP shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.70% on average per year.
- Looking at the last year, PBIP shows a decrease in Revenue. The Revenue has decreased by -4.21% in the last year.
- 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
- Based on estimates for the next years, PBIP will show a small growth in Earnings Per Share. The EPS will grow by 0.73% on average per year.
- PBIP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.81% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- PBIP is valuated correctly with a Price/Earnings ratio of 15.44.
- The average S&P500 Price/Earnings ratio is at 27.21. PBIP is valued slightly cheaper when compared to this.
- PBIP is valuated rather expensively with a Price/Forward Earnings ratio of 17.87.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, PBIP is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.44 | ||
| Fwd PE | 17.87 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PBIP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.51
PEG (5Y)0.71
EPS Next 2Y1.23%
EPS Next 3Y0.56%
5. Dividend
5.1 Amount
- PBIP has a Yearly Dividend Yield of 1.84%.
- Compared to an average S&P500 Dividend Yield of 1.81, PBIP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
5.2 History
- On average, the dividend of PBIP grows each year by 11.87%, which is quite nice.
- 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
5.3 Sustainability
- PBIP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- 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%
Prudenital Bancorp Inc of Pennsylvania / PBIP 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.