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PROFESSIONAL HOLDING CORP-A (PFHD) Stock Fundamental Analysis

NASDAQ:PFHD - Nasdaq - US7431391074 - Common Stock - Currency: USD

28.65  -0.15 (-0.52%)

After market: 28.65 0 (0%)

Fundamental Rating

3

Taking everything into account, PFHD scores 3 out of 10 in our fundamental rating. PFHD was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of PFHD have multiple concerns. PFHD is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year PFHD was profitable.
PFHD had positive earnings in each of the past 5 years.
Of the past 5 years PFHD 4 years had a positive operating cash flow.
PFHD Yearly Net Income VS EBIT VS OCF VS FCFPFHD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.86%, PFHD is doing worse than 78.84% of the companies in the same industry.
PFHD has a Return On Equity of 9.03%. This is in the lower half of the industry: PFHD underperforms 79.63% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 9.03%
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
PFHD Yearly ROA, ROE, ROICPFHD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2 4 6 8

1.3 Margins

With a Profit Margin value of 23.58%, PFHD is not doing good in the industry: 76.98% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PFHD has grown nicely.
PFHD 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) 23.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.95%
PM growth 5Y18.29%
GM growth 3YN/A
GM growth 5YN/A
PFHD Yearly Profit, Operating, Gross MarginsPFHD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

PFHD does not have a ROIC to compare to the WACC, probably because it is not profitable.
PFHD has more shares outstanding than it did 1 year ago.
PFHD has a worse debt/assets ratio than last year.
PFHD Yearly Shares OutstandingPFHD Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 5M 10M
PFHD Yearly Total Debt VS Total AssetsPFHD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 500M 1B 1.5B 2B 2.5B

2.2 Solvency

PFHD has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
PFHD has a Debt to Equity ratio of 0.10. This is in the better half of the industry: PFHD outperforms 71.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.43%
PFHD Yearly LT Debt VS Equity VS FCFPFHD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PFHD Yearly Current Assets VS Current LiabilitesPFHD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M 25M

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7

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.96% over the past year.
PFHD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 62.09% yearly.
Looking at the last year, PFHD shows a quite strong growth in Revenue. The Revenue has grown by 19.67% in the last year.
The Revenue has been growing by 39.50% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1.96%
EPS 3Y105.31%
EPS 5Y62.09%
EPS Q2Q%0%
Revenue 1Y (TTM)19.67%
Revenue growth 3Y44.94%
Revenue growth 5Y39.5%
Sales Q2Q%23.12%

3.2 Future

PFHD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.02% yearly.
The Revenue is expected to grow by 9.08% on average over the next years. This is quite good.
EPS Next Y48.75%
EPS Next 2Y21.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.61%
Revenue Next 2Y9.08%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PFHD Yearly Revenue VS EstimatesPFHD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PFHD Yearly EPS VS EstimatesPFHD Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.37 indicates a rather expensive valuation of PFHD.
Based on the Price/Earnings ratio, PFHD is valued more expensive than 91.27% of the companies in the same industry.
PFHD is valuated rather cheaply when we compare the Price/Earnings ratio to 24.95, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.35, which indicates a correct valuation of PFHD.
PFHD's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PFHD is more expensive than 74.34% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.99. PFHD is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.37
Fwd PE 12.35
PFHD Price Earnings VS Forward Price EarningsPFHD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PFHD Per share dataPFHD 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.
PFHD's earnings are expected to grow with 21.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)0.3
EPS Next 2Y21.02%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PFHD!.
Industry RankSector Rank
Dividend Yield N/A

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PROFESSIONAL HOLDING CORP-A

NASDAQ:PFHD (1/31/2023, 8:00:01 PM)

After market: 28.65 0 (0%)

28.65

-0.15 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2023-01-27/bmo
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners4.6%
Ins Owner Change0%
Market Cap395.78M
Analysts48.89
Price Target30.26 (5.62%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-23.66%
Min EPS beat(2)-50.98%
Max EPS beat(2)3.65%
EPS beat(4)2
Avg EPS beat(4)-17.39%
Min EPS beat(4)-50.98%
Max EPS beat(4)28.16%
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)1
Avg Revenue beat(2)-2.94%
Min Revenue beat(2)-9.53%
Max Revenue beat(2)3.65%
Revenue beat(4)3
Avg Revenue beat(4)1.07%
Min Revenue beat(4)-9.53%
Max Revenue beat(4)8.17%
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)0%
PT rev (3m)-1.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.9%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.6%
Valuation
Industry RankSector Rank
PE 18.37
Fwd PE 12.35
P/S 4.21
P/FCF N/A
P/OCF N/A
P/B 1.61
P/tB 1.8
EV/EBITDA N/A
EPS(TTM)1.56
EY5.45%
EPS(NY)2.32
Fwd EY8.1%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.8
BVpS17.76
TBVpS15.92
PEG (NY)0.38
PEG (5Y)0.3
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.58%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.95%
PM growth 5Y18.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC8.43%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.96%
EPS 3Y105.31%
EPS 5Y62.09%
EPS Q2Q%0%
EPS Next Y48.75%
EPS Next 2Y21.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.67%
Revenue growth 3Y44.94%
Revenue growth 5Y39.5%
Sales Q2Q%23.12%
Revenue Next Year12.61%
Revenue Next 2Y9.08%
Revenue Next 3YN/A
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A