PROFESSIONAL HOLDING CORP-A (PFHD)

US7431391074 - Common Stock

28.65  -0.15 (-0.52%)

After market: 28.65 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PFHD. PFHD was compared to 415 industry peers in the Banks industry. PFHD has a bad profitability rating. Also its financial health evaluation is rather negative. PFHD is valued quite expensive, but it does show an excellent growth.



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.

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 worse Return On Equity (9.03%) than 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

1.3 Margins

The Profit Margin of PFHD (23.58%) is worse than 76.98% of its industry peers.
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

1

2. Health

2.1 Basic Checks

PFHD does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PFHD has been increased compared to 1 year ago.
PFHD has more shares outstanding than it did 5 years ago.
PFHD has a worse debt/assets ratio than last year.

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.
Looking at the Debt to Equity ratio, with a value of 0.10, PFHD is in the better half of the industry, outperforming 71.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.43%

2.3 Liquidity

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

7

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.96% over the past year.
The Earnings Per Share has been growing by 62.09% on average over the past years. This is a very strong growth
Looking at the last year, PFHD shows a quite strong growth in Revenue. The Revenue has grown by 19.67% in the last year.
Measured over the past years, PFHD shows a very strong growth in Revenue. The Revenue has been growing by 39.50% on average per year.
EPS 1Y (TTM)1.96%
EPS 3Y105.31%
EPS 5Y62.09%
EPS growth Q2Q0%
Revenue 1Y (TTM)19.67%
Revenue growth 3Y44.94%
Revenue growth 5Y39.5%
Revenue growth Q2Q23.12%

3.2 Future

The Earnings Per Share is expected to grow by 21.02% on average over the next years. This is a very strong growth
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.
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.

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.37, PFHD is valued on the expensive side.
91.27% of the companies in the same industry are cheaper than PFHD, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PFHD to the average of the S&P500 Index (26.48), we can say PFHD is valued slightly cheaper.
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 22.79. PFHD is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.37
Fwd PE 12.35

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

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

0

5. Dividend

5.1 Amount

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

PROFESSIONAL HOLDING CORP-A

NASDAQ:PFHD (1/31/2023, 7:00:01 PM)

After market: 28.65 0 (0%)

28.65

-0.15 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap395.78M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 RankSector Rank
PE 18.37
Fwd PE 12.35
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)0.38
PEG (5Y)0.3
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.03%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 23.58%
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 Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
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)1.96%
EPS 3Y105.31%
EPS 5Y
EPS growth Q2Q
EPS Next Y48.75%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)19.67%
Revenue growth 3Y44.94%
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