PCSB FINANCIAL CORP (PCSB) Stock Fundamental Analysis

NASDAQ:PCSB • US69324R1041

19.04 USD
-0.22 (-1.14%)
Last: Dec 30, 2022, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, PCSB scores 4 out of 10 in our fundamental rating. PCSB was compared to 379 industry peers in the Banks industry. The financial health of PCSB is average, but there are quite some concerns on its profitability. PCSB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year PCSB was profitable.
  • In the past year PCSB had a positive cash flow from operations.
PCSB Yearly Net Income VS EBIT VS OCF VS FCFPCSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M

1.2 Ratios

  • PCSB has a Return On Assets of 0.83%. This is amonst the worse of the industry: PCSB underperforms 80.95% of its industry peers.
  • PCSB's Return On Equity of 5.71% is on the low side compared to the rest of the industry. PCSB is outperformed by 96.03% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 5.71%
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
PCSB Yearly ROA, ROE, ROICPCSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 1 2 3 4 5

1.3 Margins

  • PCSB has a Profit Margin of 27.30%. This is in the lower half of the industry: PCSB underperforms 64.55% of its industry peers.
  • PCSB's Profit Margin has improved in the last couple of years.
  • PCSB 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) 27.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.34%
PM growth 5Y26.62%
GM growth 3YN/A
GM growth 5YN/A
PCSB Yearly Profit, Operating, Gross MarginsPCSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • PCSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PCSB has less shares outstanding than it did 1 year ago.
  • PCSB has a worse debt/assets ratio than last year.
PCSB Yearly Shares OutstandingPCSB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M
PCSB Yearly Total Debt VS Total AssetsPCSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 500M 1B 1.5B

2.2 Solvency

  • PCSB has a debt to FCF ratio of 0.36. This is a very positive value and a sign of high solvency as it would only need 0.36 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.36, PCSB belongs to the best of the industry, outperforming 88.10% of the companies in the same industry.
  • PCSB has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • PCSB's Debt to Equity ratio of 0.03 is amongst the best of the industry. PCSB outperforms 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.36
Altman-Z N/A
ROIC/WACCN/A
WACC8.63%
PCSB Yearly LT Debt VS Equity VS FCFPCSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.08% over the past year.
  • Measured over the past years, PCSB shows a very strong growth in Earnings Per Share. The EPS has been growing by 42.41% on average per year.
  • Looking at the last year, PCSB shows a quite strong growth in Revenue. The Revenue has grown by 15.64% in the last year.
  • The Revenue has been growing slightly by 7.19% on average over the past years.
EPS 1Y (TTM)23.08%
EPS 3Y28.51%
EPS 5Y42.41%
EPS Q2Q%32%
Revenue 1Y (TTM)15.64%
Revenue growth 3Y7.1%
Revenue growth 5Y7.19%
Sales Q2Q%19.01%

3.2 Future

  • The Earnings Per Share is expected to grow by 27.69% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 4.40% on average over the next years.
EPS Next Y22.6%
EPS Next 2Y25.78%
EPS Next 3Y27.69%
EPS Next 5YN/A
Revenue Next Year8.38%
Revenue Next 2Y5.62%
Revenue Next 3Y4.4%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • 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.
PCSB Yearly Revenue VS EstimatesPCSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
PCSB Yearly EPS VS EstimatesPCSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.00, the valuation of PCSB can be described as correct.
  • PCSB's Price/Earnings ratio is rather expensive when compared to the industry. PCSB is more expensive than 89.95% of the companies in the same industry.
  • PCSB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.99.
  • A Price/Forward Earnings ratio of 11.57 indicates a reasonable valuation of PCSB.
  • Based on the Price/Forward Earnings ratio, PCSB is valued a bit more expensive than 72.75% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.02. PCSB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 17
Fwd PE 11.57
PCSB Price Earnings VS Forward Price EarningsPCSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • PCSB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PCSB is more expensive than 76.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.35
EV/EBITDA N/A
PCSB Per share dataPCSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • PCSB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PCSB's earnings are expected to grow with 27.69% in the coming years.
PEG (NY)0.75
PEG (5Y)0.4
EPS Next 2Y25.78%
EPS Next 3Y27.69%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.47%, PCSB has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 1.47, PCSB pays less dividend than the industry average, which is at 2.74. 82.01% of the companies listed in the same industry pay a better dividend than PCSB!
  • Compared to an average S&P500 Dividend Yield of 1.81, PCSB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.47%

5.2 History

  • The dividend of PCSB is nicely growing with an annual growth rate of 24.36%!
  • PCSB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)24.36%
Div Incr YearsN/A
Div Non Decr YearsN/A
PCSB Yearly Dividends per sharePCSB Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 23.24% of the earnings are spent on dividend by PCSB. This is a low number and sustainable payout ratio.
  • The dividend of PCSB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP23.24%
EPS Next 2Y25.78%
EPS Next 3Y27.69%
PCSB Yearly Income VS Free CF VS DividendPCSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M
PCSB Dividend Payout.PCSB Dividend Payout, showing the Payout Ratio.PCSB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PCSB FINANCIAL CORP

NASDAQ:PCSB (12/30/2022, 8:00:00 PM)

19.04

-0.22 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27
Earnings (Next)01-25
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner Change0%
Market Cap291.97M
Revenue(TTM)58.77M
Net Income(TTM)16.04M
Analysts85.71
Price Target22.44 (17.86%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.47%
Yearly Dividend0.25
Dividend Growth(5Y)24.36%
DP23.24%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.29%
Min EPS beat(2)-20.94%
Max EPS beat(2)4.36%
EPS beat(4)2
Avg EPS beat(4)-0.23%
Min EPS beat(4)-20.94%
Max EPS beat(4)25.16%
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)2
Avg Revenue beat(2)8.1%
Min Revenue beat(2)5.96%
Max Revenue beat(2)10.23%
Revenue beat(4)3
Avg Revenue beat(4)6.53%
Min Revenue beat(4)-0.82%
Max Revenue beat(4)10.76%
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)-6.38%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)12.61%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17
Fwd PE 11.57
P/S 4.97
P/FCF 14.35
P/OCF 14.14
P/B 1.04
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)1.12
EY5.88%
EPS(NY)1.65
Fwd EY8.64%
FCF(TTM)1.33
FCFY6.97%
OCF(TTM)1.35
OCFY7.07%
SpS3.83
BVpS18.33
TBVpS17.93
PEG (NY)0.75
PEG (5Y)0.4
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 5.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.3%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.34%
PM growth 5Y26.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.36
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.63%
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)141.82%
Profit Quality(5y)155.63%
High Growth Momentum
Growth
EPS 1Y (TTM)23.08%
EPS 3Y28.51%
EPS 5Y42.41%
EPS Q2Q%32%
EPS Next Y22.6%
EPS Next 2Y25.78%
EPS Next 3Y27.69%
EPS Next 5YN/A
Revenue 1Y (TTM)15.64%
Revenue growth 3Y7.1%
Revenue growth 5Y7.19%
Sales Q2Q%19.01%
Revenue Next Year8.38%
Revenue Next 2Y5.62%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
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 1Y44.81%
FCF growth 3Y20.58%
FCF growth 5Y36.64%
OCF growth 1Y40.57%
OCF growth 3Y17.01%
OCF growth 5Y21.56%

PCSB FINANCIAL CORP / PCSB FAQ

What is the ChartMill fundamental rating of PCSB FINANCIAL CORP (PCSB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PCSB.


What is the valuation status of PCSB FINANCIAL CORP (PCSB) stock?

ChartMill assigns a valuation rating of 6 / 10 to PCSB FINANCIAL CORP (PCSB). This can be considered as Fairly Valued.


What is the profitability of PCSB stock?

PCSB FINANCIAL CORP (PCSB) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for PCSB stock?

The Price/Earnings (PE) ratio for PCSB FINANCIAL CORP (PCSB) is 17 and the Price/Book (PB) ratio is 1.04.


How financially healthy is PCSB FINANCIAL CORP?

The financial health rating of PCSB FINANCIAL CORP (PCSB) is 3 / 10.