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PCSB FINANCIAL CORP (PCSB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PCSB - US69324R1041 - Common Stock

19.04 USD
-0.22 (-1.14%)
Last: 12/30/2022, 8:00:00 PM
Fundamental Rating

4

Taking everything into account, PCSB scores 4 out of 10 in our fundamental rating. PCSB was compared to 385 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

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3

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.
Each year in the past 5 years PCSB has been profitable.
In the past 5 years PCSB always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M

1.2 Ratios

PCSB's Return On Assets of 0.83% is on the low side compared to the rest of the industry. PCSB is outperformed by 80.95% of its industry peers.
PCSB has a Return On Equity of 5.71%. This is amonst the worse of the industry: PCSB underperforms 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 2015 2016 2017 2018 2019 2020 2021 2022 1 2 3 4 5

1.3 Margins

With a Profit Margin value of 27.30%, PCSB is not doing good in the industry: 64.55% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PCSB has grown nicely.
The Operating Margin and Gross Margin are not available for PCSB so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15 20 25

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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 2015 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 2015 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.
Looking at the Debt to FCF ratio, with a value of 0.36, PCSB belongs to the top 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.
Looking at the Debt to Equity ratio, with a value of 0.03, PCSB belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
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 2015 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

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.08% over the past year.
PCSB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 42.41% yearly.
Looking at the last year, PCSB shows a quite strong growth in Revenue. The Revenue has grown by 15.64% in the last year.
Measured over the past years, PCSB shows a small growth in Revenue. The Revenue has been growing by 7.19% on average per year.
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

PCSB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.69% yearly.
Based on estimates for the next years, PCSB will show a small growth in Revenue. The Revenue will grow by 4.40% on average per year.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PCSB Yearly Revenue VS EstimatesPCSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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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4

4. Valuation

4.1 Price/Earnings Ratio

PCSB is valuated correctly with a Price/Earnings ratio of 17.00.
Based on the Price/Earnings ratio, PCSB is valued expensively inside the industry as 89.95% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.56. PCSB is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 11.57, which indicates a very decent valuation of PCSB.
Based on the Price/Forward Earnings ratio, PCSB is valued a bit more expensive than the industry average as 72.75% of the companies are valued more cheaply.
PCSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.79.
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

Based on the Price/Free Cash Flow ratio, PCSB is valued a bit 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%

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4

5. Dividend

5.1 Amount

PCSB has a Yearly Dividend Yield of 1.47%.
With a Dividend Yield of 1.47, PCSB pays less dividend than the industry average, which is at 2.70. 82.01% of the companies listed in the same industry pay a better dividend than PCSB!
Compared to the average S&P500 Dividend Yield of 1.87, PCSB is paying slightly less dividend.
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 2015 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

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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 2022-10-27/bmo
Earnings (Next)01-25 2023-01-25
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.


Can you provide the valuation status for PCSB FINANCIAL CORP?

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.


What are the PE and PB ratios of PCSB FINANCIAL CORP (PCSB) stock?

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


What is the earnings growth outlook for PCSB FINANCIAL CORP?

The Earnings per Share (EPS) of PCSB FINANCIAL CORP (PCSB) is expected to grow by 22.6% in the next year.