PARTNERS BANCORP (PTRS) Fundamental Analysis & Valuation

NASDAQ:PTRS • US70213Q1085

Current stock price

7.15 USD
+0.07 (+0.99%)
At close:
7.15 USD
0 (0%)
After Hours:

This PTRS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PTRS Profitability Analysis

1.1 Basic Checks

  • PTRS had positive earnings in the past year.
  • PTRS had a positive operating cash flow in the past year.
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

  • 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's Return On Equity of 11.08% is in line compared to the rest of the industry. PTRS outperforms 53.24% of its industry peers.
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

  • PTRS has a Profit Margin of 23.91%. This is in the lower half of the industry: PTRS underperforms 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PTRS Health Analysis

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
  • Compared to 1 year ago, PTRS has an improved debt to assets ratio.
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.
  • Looking at the Debt to FCF ratio, with a value of 2.25, PTRS is in line with its industry, outperforming 50.84% of the companies in the same industry.
  • PTRS has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PTRS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 42.62% over the past year.
  • 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.
  • Looking at the last year, PTRS shows a quite strong growth in Revenue. The Revenue has grown by 15.69% in the last year.
  • Measured over the past years, PTRS shows a very strong growth in Revenue. The Revenue has been growing by 21.45% on average per year.
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

More info and screens

Find the best growth stocksShow best growing peers

3

4. PTRS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.22 indicates a reasonable valuation of PTRS.
  • 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.
  • PTRS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.15.
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

  • 70.50% of the companies in the same industry are more expensive than PTRS, based on the Price/Free Cash Flow ratio.
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. PTRS Dividend Analysis

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 2.53, PTRS is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, PTRS pays a bit more dividend than the S&P500 average.
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.
  • 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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

PTRS Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)02-20
Inst Owners0.11%
Inst Owner Change0%
Ins Owners0.23%
Ins Owner Change0%
Market Cap128.63M
Revenue(TTM)66.28M
Net Income(TTM)15.85M
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
Graham Number0 (-100%)
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
ROICexgc growth 3YN/A
ROICexgc 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%

PARTNERS BANCORP / PTRS Fundamental Analysis FAQ

What is the fundamental rating for PTRS stock?

ChartMill assigns a fundamental rating of 3 / 10 to PTRS.


What is the valuation status for PTRS stock?

ChartMill assigns a valuation rating of 3 / 10 to PARTNERS BANCORP (PTRS). This can be considered as Overvalued.


How profitable is PARTNERS BANCORP (PTRS) stock?

PARTNERS BANCORP (PTRS) has a profitability rating of 3 / 10.


How financially healthy is PARTNERS BANCORP?

The financial health rating of PARTNERS BANCORP (PTRS) is 2 / 10.


Can you provide the dividend sustainability for PTRS stock?

The dividend rating of PARTNERS BANCORP (PTRS) is 4 / 10 and the dividend payout ratio is 18.17%.