Logo image of PTRS

PARTNERS BANCORP (PTRS) Stock Fundamental Analysis

NASDAQ:PTRS - US70213Q1085 - Common Stock

7.15 USD
+0.07 (+0.99%)
Last: 11/30/2023, 8:19:14 PM
7.15 USD
0 (0%)
After Hours: 11/30/2023, 8:19:14 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PTRS. PTRS was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of PTRS have multiple concerns. PTRS is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

PTRS had positive earnings in the past year.
PTRS had a positive operating cash flow in the past year.
Each year in the past 5 years PTRS has been profitable.
PTRS had a positive operating cash flow in each of the past 5 years.
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

The Return On Assets of PTRS (1.03%) is comparable to the rest of the industry.
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

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.
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 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

2

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 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.
With a Debt to FCF ratio value of 2.25, PTRS perfoms like the industry average, outperforming 50.84% of the companies in the same 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 (0.31) which is comparable to the rest of the industry.
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

5

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.
The Earnings Per Share has been growing by 13.14% on average over the past years. This is quite good.
Looking at the last year, PTRS shows a quite strong growth in Revenue. The Revenue has grown by 15.69% in the last year.
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

More info and screens

3

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.
65.71% of the companies in the same industry are more expensive than PTRS, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.08. PTRS is valued rather cheaply when compared to this.
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

More info and screens

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.
PTRS's Dividend Yield is slightly below the industry average, which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, PTRS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.24%

5.2 History

On average, the dividend of PTRS grows each year by 21.64%, which is quite nice.
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

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%