PROFESSIONAL HOLDING CORP-A (PFHD)
US7431391074 - Common Stock
Taking everything into account, PFHD scores 3 out of 10 in our fundamental rating. PFHD was compared to 412 industry peers in the Banks industry. PFHD has a bad profitability rating. Also its financial health evaluation is rather negative. PFHD shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year PFHD was profitable.
In the past 5 years PFHD has always been profitable.
PFHD had a positive operating cash flow in 4 of the past 5 years.
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.
The Return On Equity of PFHD (9.03%) is worse than 79.63% of its industry peers.
| Industry Rank | Sector 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
Looking at the Profit Margin, with a value of 23.58%, PFHD is doing worse than 76.98% of the companies in the same industry.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
PFHD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PFHD has more shares outstanding
The number of shares outstanding for PFHD has been increased compared to 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.
PFHD has a better Debt to Equity ratio (0.10) than 71.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFHD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.96%.
PFHD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 62.09% yearly.
PFHD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.67%.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
PFHD is valuated rather expensively with a Price/Earnings ratio of 18.37.
Based on the Price/Earnings ratio, PFHD is valued expensively inside the industry as 91.27% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 28.43. PFHD is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 12.35 indicates a correct valuation of PFHD.
Based on the Price/Forward Earnings ratio, PFHD is valued a bit more expensive than the industry average as 74.34% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.51, PFHD is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.37 | ||
| Fwd PE | 12.35 |
4.2 Price Multiples
| Industry Rank | Sector 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.
A more expensive valuation may be justified as PFHD's earnings are expected to grow with 21.02% in the coming years.
PEG (NY)0.38
PEG (5Y)0.3
EPS Next 2Y21.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PFHD!.
| Industry Rank | Sector 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 Rank | Sector 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)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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