PCSB FINANCIAL CORP (PCSB) Fundamental Analysis & Valuation

NASDAQ:PCSB • US69324R1041

Current stock price

19.04 USD
-0.22 (-1.14%)
Last:

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

1

1. PCSB Profitability Analysis

1.1 Basic Checks

  • In the past year PCSB was profitable.
  • PCSB had a positive operating cash flow in the past year.
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'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'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 worse Profit Margin (27.30%) than 64.55% of its industry peers.
  • In the last couple of years the Profit Margin of PCSB has grown nicely.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PCSB Health Analysis

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.
  • The debt/assets ratio for PCSB is higher compared to a year ago.
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.
  • PCSB's Debt to FCF ratio of 0.36 is amongst the best of the industry. PCSB outperforms 88.10% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that PCSB is not too dependend on debt financing.
  • PCSB has a Debt to Equity ratio of 0.03. This is amongst the best in 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

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

6

3. PCSB Growth Analysis

3.1 Past

  • PCSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.08%, which is quite impressive.
  • 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.
  • PCSB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.64%.
  • 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

  • Based on estimates for the next years, PCSB will show a very strong growth in Earnings Per Share. The EPS will grow by 27.69% on average per year.
  • 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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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. PCSB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 17.00 indicates a correct valuation of PCSB.
  • 89.95% of the companies in the same industry are cheaper than PCSB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of PCSB to the average of the S&P500 Index (25.50), we can say PCSB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 11.57, which indicates a very decent valuation of PCSB.
  • 72.75% of the companies in the same industry are cheaper than PCSB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. PCSB is valued slightly cheaper 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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PCSB indicates a slightly more expensive valuation: PCSB is more expensive than 76.72% of the companies listed 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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PCSB's earnings are expected to grow with 27.69% in the coming years. This may justify a more expensive valuation.
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. PCSB Dividend Analysis

5.1 Amount

  • PCSB has a Yearly Dividend Yield of 1.47%.
  • Compared to an average industry Dividend Yield of 2.78, PCSB's dividend is way lower than its industry peers. On top of this 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 1.89, PCSB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.47%

5.2 History

  • On average, the dividend of PCSB grows each year by 24.36%, which is quite nice.
  • 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

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PCSB Fundamentals: All Metrics, Ratios and Statistics

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 Fundamental Analysis 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.