Prudenital Bancorp Inc of Pennsylvania (PBIP)
US74431A1016 - Common Stock
We assign a fundamental rating of 3 out of 10 to PBIP. PBIP was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. The financial health of PBIP is average, but there are quite some concerns on its profitability. PBIP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PBIP was profitable.
PBIP had positive earnings in each of the past 5 years.
Each year in the past 5 years PBIP had a positive operating cash flow.
1.2 Ratios
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.04% | ||
| ROE | N/A | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Operating Margin and Gross Margin are not available for PBIP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | -1.65% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PBIP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PBIP has less shares outstanding
There is no outstanding debt for PBIP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
PBIP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PBIP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -106.75%.
The Earnings Per Share has been growing by 21.70% on average over the past years. This is a very strong growth
PBIP shows a decrease in Revenue. In the last year, the revenue decreased by -4.21%.
The Revenue has been growing by 11.64% on average over the past years. This is quite good.
EPS 1Y (TTM)-106.75%
EPS 3Y7.89%
EPS 5Y21.7%
EPS Q2Q%0%
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-0.41%
Revenue growth 5Y11.64%
Sales Q2Q%-5.23%
3.2 Future
Based on estimates for the next years, PBIP will show a small growth in Earnings Per Share. The EPS will grow by 0.73% on average per year.
Based on estimates for the next years, PBIP will show a small growth in Revenue. The Revenue will grow by 2.81% on average per year.
EPS Next Y1.23%
EPS Next 2Y1.23%
EPS Next 3Y0.56%
EPS Next 5Y0.73%
Revenue Next Year2.67%
Revenue Next 2Y3.31%
Revenue Next 3Y2.64%
Revenue Next 5Y2.81%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.44 indicates a correct valuation of PBIP.
When comparing the Price/Earnings ratio of PBIP to the average of the S&P500 Index (29.29), we can say PBIP is valued slightly cheaper.
The Price/Forward Earnings ratio is 17.87, which indicates a rather expensive current valuation of PBIP.
The average S&P500 Price/Forward Earnings ratio is at 24.01. PBIP is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.44 | ||
| Fwd PE | 17.87 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PBIP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.51
PEG (5Y)0.71
EPS Next 2Y1.23%
EPS Next 3Y0.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.84%, PBIP has a reasonable but not impressive dividend return.
PBIP's Dividend Yield is comparable with the S&P500 average which is at 2.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
5.2 History
The dividend of PBIP is nicely growing with an annual growth rate of 11.87%!
PBIP has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)11.87%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
PBIP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
PBIP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-495.45%
EPS Next 2Y1.23%
EPS Next 3Y0.56%
Prudenital Bancorp Inc of Pennsylvania
NASDAQ:PBIP (6/30/2022, 8:22:10 PM)
15.13
-0.17 (-1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap117.66M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
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 | 15.44 | ||
| Fwd PE | 17.87 | ||
| 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)12.51
PEG (5Y)0.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.04% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | -1.65% | ||
| 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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)-106.75%
EPS 3Y7.89%
EPS 5Y
EPS Q2Q%
EPS Next Y1.23%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.21%
Revenue growth 3Y-0.41%
Revenue growth 5Y
Sales 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