7.15 USD
+0.07 (+0.99%)
At close: Nov 30, 2023
7.15 USD
0 (0%)
After Hours: 11/30/2023, 8:19:14 PM
We assign a fundamental rating of 3 out of 10 to PTRS. PTRS was compared to 383 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.
1.2 Ratios
- With a Return On Assets value of 1.03%, PTRS perfoms like the industry average, outperforming 56.59% of the companies in the same industry.
- PTRS has a Return On Equity (11.08%) which is comparable to the rest of the 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.
- PTRS's Profit Margin has improved in the last couple of years.
- PTRS 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) | 23.91% | ||
| 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.
- Compared to 1 year ago, PTRS has more shares outstanding
- PTRS has a better debt/assets ratio than last year.
2.2 Solvency
- PTRS has a debt to FCF ratio of 2.25. This is a good value and a sign of high solvency as PTRS would need 2.25 years to pay back of all of its debts.
- The Debt to FCF ratio of PTRS (2.25) 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 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
- 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%.
- 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 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 8.22 indicates a reasonable valuation of PTRS.
- PTRS's Price/Earnings ratio is a bit cheaper when compared to the industry. PTRS is cheaper than 65.71% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.30. PTRS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.22 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- PTRS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PTRS is cheaper than 70.50% of the companies in the same industry.
| 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.
- PTRS's Dividend Yield is slightly below the industry average, which is at 2.70.
- Compared to an average S&P500 Dividend Yield of 1.82, PTRS pays a bit more dividend than the S&P500 average.
| 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 / PTRS FAQ
What is the fundamental rating for PTRS stock?
ChartMill assigns a fundamental rating of 3 / 10 to PTRS.
What is the valuation status of PARTNERS BANCORP (PTRS) stock?
ChartMill assigns a valuation rating of 3 / 10 to PARTNERS BANCORP (PTRS). This can be considered as Overvalued.
What is the profitability of PTRS stock?
PARTNERS BANCORP (PTRS) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for PTRS stock?
The Price/Earnings (PE) ratio for PARTNERS BANCORP (PTRS) is 8.22 and the Price/Book (PB) ratio is 0.9.
Is the dividend of PARTNERS BANCORP sustainable?
The dividend rating of PARTNERS BANCORP (PTRS) is 4 / 10 and the dividend payout ratio is 18.17%.