PARTNERS BANCORP (PTRS)
US70213Q1085 - Common Stock
PTRS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. PTRS has a bad profitability rating. Also its financial health evaluation is rather negative. PTRS is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PTRS had positive earnings in the past year.
In the past year PTRS had a positive cash flow from operations.
In the past 5 years PTRS has always been profitable.
In the past 5 years PTRS always reported a positive cash flow from operatings.
1.2 Ratios
PTRS has a Return On Assets (1.03%) which is in line with 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 Rank | Sector 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
1.3 Margins
PTRS has a worse Profit Margin (23.91%) than 64.27% of its industry peers.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
PTRS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PTRS has been increased compared to 1 year ago.
PTRS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PTRS has an improved debt to assets ratio.
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 in line with its industry peers.
A Debt/Equity ratio of 0.31 indicates that PTRS is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.31, PTRS is in line with its industry, outperforming 40.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PTRS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.62%, which is quite impressive.
Measured over the past years, PTRS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.14% on average per year.
PTRS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.69%.
PTRS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.45% yearly.
EPS 1Y (TTM)42.62%
EPS 3Y12.07%
EPS 5Y13.14%
EPS growth Q2Q8.7%
Revenue 1Y (TTM)15.69%
Revenue growth 3Y20.46%
Revenue growth 5Y21.45%
Revenue growth Q2Q1.67%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.22, the valuation of PTRS can be described as very 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.
The average S&P500 Price/Earnings ratio is at 28.67. PTRS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.22 | ||
| Fwd PE | N/A |
4.2 Price Multiples
70.50% of the companies in the same industry are more expensive than PTRS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.63
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.24%, PTRS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.65, PTRS is paying slightly less dividend.
PTRS's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector 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 been paying a dividend for less than 5 years, so it still needs to build a track record.
PTRS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)21.64%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
18.17% of the earnings are spent on dividend by PTRS. This is a low number and sustainable payout ratio.
The dividend of PTRS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP18.17%
EPS Next 2YN/A
EPS Next 3YN/A
PARTNERS BANCORP
NASDAQ:PTRS (11/30/2023, 7:19:14 PM)
After market: 7.15 0 (0%)7.15
+0.07 (+0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap128.63M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.24% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.22 | ||
| Fwd PE | N/A | ||
| 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)N/A
PEG (5Y)0.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 11.08% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.91% | ||
| 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 | 0.31 | ||
| 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)42.62%
EPS 3Y12.07%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)15.69%
Revenue growth 3Y20.46%
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