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PARTNERS BANCORP (PTRS) Stock Fundamental Analysis

NASDAQ:PTRS - Nasdaq - US70213Q1085 - Common Stock - Currency: USD

7.15  +0.07 (+0.99%)

After market: 7.15 0 (0%)

Fundamental Rating

3

PTRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 397 industry peers in the Banks industry. PTRS has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, PTRS is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PTRS was profitable.
In the past year PTRS had a positive cash flow from operations.
Each year in the past 5 years PTRS has been profitable.
Each year in the past 5 years PTRS had a positive operating cash flow.
PTRS Yearly Net Income VS EBIT VS OCF VS FCFPTRS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 0 5M 10M 15M 20M

1.2 Ratios

PTRS's Return On Assets of 1.03% is in line compared to the rest of the industry. PTRS outperforms 56.59% of its industry peers.
Looking at the Return On Equity, with a value of 11.08%, PTRS is in line with its industry, outperforming 53.24% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 11.08%
ROIC N/A
ROA(3y)0.56%
ROA(5y)0.58%
ROE(3y)6.43%
ROE(5y)6.43%
ROIC(3y)N/A
ROIC(5y)N/A
PTRS Yearly ROA, ROE, ROICPTRS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 23.91%, PTRS is doing worse than 64.27% of the companies in the same industry.
In the last couple of years the Profit Margin of PTRS has grown nicely.
The Operating Margin and Gross Margin are not available for PTRS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.91%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.84%
PM growth 5Y8.61%
GM growth 3YN/A
GM growth 5YN/A
PTRS Yearly Profit, Operating, Gross MarginsPTRS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 5 10 15 20

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2

2. Health

2.1 Basic Checks

PTRS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PTRS has more shares outstanding
PTRS has a better debt/assets ratio than last year.
PTRS Yearly Shares OutstandingPTRS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 5M 10M 15M
PTRS Yearly Total Debt VS Total AssetsPTRS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of PTRS is 2.25, which is a good value as it means it would take PTRS, 2.25 years of fcf income to pay off all of its debts.
PTRS has a Debt to FCF ratio (2.25) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.31 indicates that PTRS is not too dependend on debt financing.
PTRS has a Debt to Equity ratio of 0.31. This is comparable to the rest of the industry: PTRS outperforms 40.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 2.25
Altman-Z N/A
ROIC/WACCN/A
WACC9.51%
PTRS Yearly LT Debt VS Equity VS FCFPTRS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 0 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PTRS Yearly Current Assets VS Current LiabilitesPTRS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 42.62% over the past year.
The Earnings Per Share has been growing by 13.14% on average over the past years. This is quite good.
PTRS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.69%.
The Revenue has been growing by 21.45% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)42.62%
EPS 3Y12.07%
EPS 5Y13.14%
EPS Q2Q%8.7%
Revenue 1Y (TTM)15.69%
Revenue growth 3Y20.46%
Revenue growth 5Y21.45%
Sales Q2Q%1.67%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PTRS Yearly Revenue VS EstimatesPTRS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 20M 40M 60M

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.22, the valuation of PTRS can be described as reasonable.
Based on the Price/Earnings ratio, PTRS is valued a bit cheaper than the industry average as 65.71% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PTRS to the average of the S&P500 Index (27.30), we can say PTRS is valued rather cheaply.
Industry RankSector Rank
PE 8.22
Fwd PE N/A
PTRS Price Earnings VS Forward Price EarningsPTRS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PTRS is valued a bit cheaper than 70.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.48
EV/EBITDA N/A
PTRS Per share dataPTRS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.63
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

PTRS has a Yearly Dividend Yield of 2.24%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, PTRS is paying slightly less dividend.
PTRS's Dividend Yield is comparable with the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 2.24%

5.2 History

The dividend of PTRS is nicely growing with an annual growth rate of 21.64%!
PTRS has paid a dividend for less than 5 years, so there is no long track record yet.
PTRS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)21.64%
Div Incr Years3
Div Non Decr Years3
PTRS Yearly Dividends per sharePTRS Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 0.05 0.1 0.15 0.2

5.3 Sustainability

18.17% of the earnings are spent on dividend by PTRS. This is a low number and sustainable payout ratio.
PTRS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP18.17%
EPS Next 2YN/A
EPS Next 3YN/A
PTRS Yearly Income VS Free CF VS DividendPTRS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 0 5M 10M 15M 20M
PTRS Dividend Payout.PTRS Dividend Payout, showing the Payout Ratio.PTRS Dividend Payout.PayoutRetained Earnings

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PARTNERS BANCORP

NASDAQ:PTRS (11/30/2023, 8:19:14 PM)

After market: 7.15 0 (0%)

7.15

+0.07 (+0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2023-10-27/amc
Earnings (Next)02-20 2024-02-20/amc
Inst Owners0.11%
Inst Owner Change0%
Ins Owners0.23%
Ins Owner Change0%
Market Cap128.63M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.24%
Yearly Dividend0.12
Dividend Growth(5Y)21.64%
DP18.17%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 8.22
Fwd PE N/A
P/S 1.94
P/FCF 6.48
P/OCF 6.3
P/B 0.9
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)0.87
EY12.17%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.1
FCFY15.42%
OCF(TTM)1.14
OCFY15.88%
SpS3.68
BVpS7.95
TBVpS7.35
PEG (NY)N/A
PEG (5Y)0.63
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 11.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.91%
GM N/A
FCFM 29.93%
ROA(3y)0.56%
ROA(5y)0.58%
ROE(3y)6.43%
ROE(5y)6.43%
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 3Y9.84%
PM growth 5Y8.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 2.25
Debt/EBITDA N/A
Cap/Depr 29.9%
Cap/Sales 0.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.51%
ROIC/WACCN/A
Cap/Depr(3y)85.88%
Cap/Depr(5y)90.83%
Cap/Sales(3y)3.79%
Cap/Sales(5y)3.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.62%
EPS 3Y12.07%
EPS 5Y13.14%
EPS Q2Q%8.7%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.69%
Revenue growth 3Y20.46%
Revenue growth 5Y21.45%
Sales Q2Q%1.67%
Revenue Next YearN/A
Revenue Next 2YN/A
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 1Y38.64%
FCF growth 3Y51.72%
FCF growth 5Y38.55%
OCF growth 1Y23.16%
OCF growth 3Y43.42%
OCF growth 5Y30.97%