PROFESSIONAL HOLDING CORP-A (PFHD)
US7431391074 - Common Stock
Overall PFHD gets a fundamental rating of 3 out of 10. We evaluated PFHD against 404 industry peers in the Banks industry. Both the profitability and financial health of PFHD have multiple concerns. PFHD shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
PFHD had positive earnings in the past year.
In the past 5 years PFHD has always been profitable.
Of the past 5 years PFHD 4 years had a positive operating cash flow.
1.2 Ratios
PFHD's Return On Assets of 0.86% is on the low side compared to the rest of the industry. PFHD is outperformed by 78.84% of its industry peers.
The Return On Equity of PFHD (9.03%) is worse than 79.63% of its industry peers.
| 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
PFHD's Profit Margin of 23.58% is on the low side compared to the rest of the industry. PFHD is outperformed by 76.98% of its industry peers.
PFHD's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for PFHD so they could not be analyzed.
| 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
PFHD has more shares outstanding than it did 5 years ago.
PFHD has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.10 indicates that PFHD is not too dependend on debt financing.
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
The Earnings Per Share has been growing slightly by 1.96% over the past year.
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.
Looking at the last year, PFHD shows a quite strong growth in Revenue. The Revenue has grown by 19.67% in the last year.
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
PFHD is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.02% yearly.
Based on estimates for the next years, PFHD will show a quite strong growth in Revenue. The Revenue will grow by 9.08% on average per year.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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
PFHD is valuated rather expensively with a Price/Earnings ratio of 18.37.
91.27% of the companies in the same industry are cheaper than PFHD, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PFHD to the average of the S&P500 Index (28.96), we can say PFHD is valued slightly cheaper.
The Price/Forward Earnings ratio is 12.35, which indicates a correct valuation of PFHD.
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)
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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