Prudenital Bancorp Inc of Pennsylvania (PBIP)
US74431A1016 - Common Stock
We assign a fundamental rating of 3 out of 10 to PBIP. PBIP was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. While PBIP seems to be doing ok healthwise, there are quite some concerns on its profitability. PBIP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PBIP was profitable.
In the past 5 years PBIP has always been profitable.
In the past 5 years PBIP always reported a positive cash flow from operatings.
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.
The number of shares outstanding for PBIP has been reduced compared to 1 year ago.
PBIP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 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
The earnings per share for PBIP have decreased strongly by -106.75% in the last year.
The Earnings Per Share has been growing by 21.70% on average over the past years. This is a very strong growth
The Revenue has decreased by -4.21% in the past 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 growth Q2Q0%
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-0.41%
Revenue growth 5Y11.64%
Revenue growth Q2Q-5.23%
3.2 Future
The Earnings Per Share is expected to grow by 0.73% on average over the next years.
The Revenue is expected to grow by 2.81% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.44 indicates a correct valuation of PBIP.
PBIP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.43.
PBIP is valuated rather expensively with a Price/Forward Earnings ratio of 17.87.
PBIP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 20.51.
| 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 an expensive valuation of the company.
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 the average S&P500 Dividend Yield of 2.39, PBIP is paying slightly less dividend.
| 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
The earnings of PBIP are negative and hence is the payout ratio. PBIP will probably not be able to sustain this dividend level.
The dividend of PBIP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-495.45%
EPS Next 2Y1.23%
EPS Next 3Y0.56%
Prudenital Bancorp Inc of Pennsylvania
NASDAQ:PBIP (6/30/2022, 7:22:10 PM)
15.13
-0.17 (-1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap117.66M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.44 | ||
| Fwd PE | 17.87 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)12.51
PEG (5Y)0.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.04% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | -1.65% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-106.75%
EPS 3Y7.89%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.23%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-0.41%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y