PROFESSIONAL HOLDING CORP-A (PFHD)
US7431391074 - Common Stock
PFHD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. PFHD may be in some trouble as it scores bad on both profitability and health. PFHD shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
PFHD had positive earnings in the past year.
PFHD had positive earnings in each of the past 5 years.
Of the past 5 years PFHD 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.86%, PFHD is doing worse than 78.84% of the companies in the same industry.
With a Return On Equity value of 9.03%, PFHD is not doing good in the industry: 79.63% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 9.03% | ||
| 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 Profit Margin of PFHD (23.58%) is worse than 76.98% of its industry peers.
In the last couple of years the Profit Margin of PFHD has grown nicely.
PFHD 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) | 23.58% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.95%
PM growth 5Y18.29%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PFHD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PFHD has more shares outstanding
The number of shares outstanding for PFHD has been increased compared to 5 years ago.
The debt/assets ratio for PFHD is higher compared to a year ago.
2.2 Solvency
PFHD has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, PFHD is doing good in the industry, outperforming 71.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFHD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.96%.
Measured over the past years, PFHD shows a very strong growth in Earnings Per Share. The EPS has been growing by 62.09% on average per year.
PFHD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.67%.
The Revenue has been growing by 39.50% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1.96%
EPS 3Y105.31%
EPS 5Y62.09%
EPS Q2Q%0%
Revenue 1Y (TTM)19.67%
Revenue growth 3Y44.94%
Revenue growth 5Y39.5%
Sales Q2Q%23.12%
3.2 Future
Based on estimates for the next years, PFHD will show a very strong growth in Earnings Per Share. The EPS will grow by 21.02% on average per year.
The Revenue is expected to grow by 9.08% on average over the next years. This is quite good.
EPS Next Y48.75%
EPS Next 2Y21.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.61%
Revenue Next 2Y9.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 18.37, PFHD is valued on the expensive side.
PFHD's Price/Earnings ratio is rather expensive when compared to the industry. PFHD is more expensive than 91.27% of the companies in the same industry.
PFHD is valuated rather cheaply when we compare the Price/Earnings ratio to 28.96, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.35, the valuation of PFHD can be described as correct.
Based on the Price/Forward Earnings ratio, PFHD is valued a bit more expensive than the industry average as 74.34% of the companies are valued more cheaply.
PFHD's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.37 | ||
| Fwd PE | 12.35 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PFHD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PFHD's earnings are expected to grow with 21.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)0.3
EPS Next 2Y21.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PFHD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PROFESSIONAL HOLDING CORP-A
NASDAQ:PFHD (1/31/2023, 8:00:01 PM)
After market: 28.65 0 (0%)28.65
-0.15 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap395.78M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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 | 18.37 | ||
| Fwd PE | 12.35 | ||
| 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)0.38
PEG (5Y)0.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 9.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.58% | ||
| 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 | 0.1 | ||
| 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)1.96%
EPS 3Y105.31%
EPS 5Y
EPS Q2Q%
EPS Next Y48.75%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)19.67%
Revenue growth 3Y44.94%
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