10 Year Financial Data of Provident New York Bancorp (PBNY)

9.23 (1y: +25%)

Market Cap	406.7 M	P/E(ttm)	17.40
Enterprise Value	776.03 M	P/B	0.80

PBNY- NYSE (USA)
Provident New York Bancorp

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$9.23

3 Severe Warning Signs 4 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	8.1	1.8	0.6
EBITDA Growth (%)	1.6	-10.1	37.7
Free Cash Flow Growth (%)	-1	-3.6	-83.9
Book Value Growth (%)	9.5	5.2	-4.2

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	1.60	1.92	2.39	2.47	2.56	2.97	3.46	3.16	3.24	3.36	3.29	0.85	0.86	0.83	0.81	0.79
EBITDA per Share	0.61	0.61	1.02	0.96	0.90	1.04	1.11	0.90	0.59	0.84	0.84	0.25	0.26	0.09	0.26	0.23
Free Cashflow per Share	0.50	0.43	0.83	0.58	0.90	1.03	0.31	0.36	0.61	0.61	0.14	0.17	0.36	-0.26	-0.39	0.43
Earnings per Share ($)	0.33	0.29	0.49	0.49	0.48	0.61	0.67	0.54	0.31	0.52	0.54	0.15	0.17	0.06	0.16	0.15
Dividends Per Share	0.13	0.15	0.17	0.20	0.20	0.24	0.24	0.24	0.24	0.24	0.24	0.06	0.06	0.06	0.06	0.06
Book Value per Share	3.40	9.20	9.12	9.83	9.91	10.18	11.04	11.29	11.51	12.84	11.28	11.78	11.91	11.95	11.30	11.28
Month End Stock Price	9.68	11.74	11.67	13.97	13.11	13.22	9.55	8.39	5.82	9.41	9.07	8.46	7.59	9.41	9.31	9.07
Ratios	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	9.50	3.20	5.40	5.00	4.80	6.00	6.00	4.80	2.70	4.00	5.20	5.20	5.60	2.00	5.60	5.20
Return on Assets %	1.00	0.60	0.80	0.70	0.70	0.80	0.90	0.70	0.40	0.50	0.80	0.80	0.80	0.40	0.80	0.80
Return on Capital - Joel Greenblatt %	--	381	16.00	9.60	7.90	52.00	--	648	--	--	--	--	--	--	--	--
Debt to Equity	1.40	0.62	1.12	1.69	1.63	1.42	1.27	0.26	0.77	0.73	0.74	0.75	0.76	0.73	0.74	0.74

Operating Margin %	31.80	22.10	31.30	28.90	27.00	28.90	26.90	22.70	12.00	20.30	25.20	24.30	26.80	5.80	28.30	25.20
Net Margin %	20.40	15.10	20.50	19.80	18.80	20.40	19.30	17.00	9.70	15.50	18.80	17.90	19.40	6.60	19.70	18.80

Debt to Revenue	2.98	2.94	4.26	6.70	6.32	4.86	4.05	0.92	2.75	2.78	10.61	10.32	10.55	10.42	10.26	10.61
Interest Exp. to Revenue %	82.72	84.17	82.74	83.17	81.03	81.92	70.15	77.43	75.30	75.00	80.24	74.99	75.11	73.66	78.48	80.24

Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	--	--	--	-231	--	--	--	-2,035	--	--
Dividend Payout Ratio	0.40	0.51	0.35	0.41	0.42	0.40	0.36	0.45	0.77	0.46	0.40	0.39	0.36	1.09	0.37	0.40
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	45.73	61.53	85.87	84.76	84.74	95.34	93.87	93.33	91.29	96.46	105	23.91	24.08	25.24	27.92	27.82
Non Interest Income	9.56	11.57	17.91	17.15	19.85	21.04	39.95	27.20	29.95	32.15	31.52	7.97	7.98	9.03	7.66	6.85
Revenue	55.29	73.10	104	102	105	116	134	121	121	129	137	31.88	32.06	34.27	35.58	34.67

Selling, General, &Admin. Expense	22.36	25.05	37.64	40.45	43.43	44.19	54.21	55.95	55.41	56.68	56.61	13.98	13.54	15.54	13.69	13.84
Credit Losses Provision	0.90	0.80	0.75	1.20	1.80	7.20	17.60	10.00	16.58	10.61	11.36	2.85	2.31	3.50	2.95	2.60
Other Expenses	10.74	23.99	21.38	20.51	22.72	24.14	19.12	20.23	27.10	29.28	33.40	5.75	6.36	11.65	7.46	7.93
Earnings Before DDA	21.29	23.26	44.01	39.75	36.63	40.85	42.90	34.36	22.15	32.04	35.21	9.29	9.85	3.57	11.48	10.30

Depreciation, Depletion and Amortization	3.69	7.11	11.56	10.29	8.44	7.17	6.86	6.99	7.60	5.99	5.83	1.56	1.27	1.59	1.40	1.57

Operating Income	17.60	16.15	32.45	29.45	28.19	33.68	36.04	27.37	14.55	26.05	29.39	7.74	8.59	1.98	10.09	8.73
Net Income	11.25	11.02	21.24	20.20	19.63	23.78	25.86	20.49	11.74	19.89	22.02	5.70	6.21	2.26	7.02	6.53

Earnings per Share ($)	0.33	0.29	0.49	0.49	0.48	0.61	0.67	0.54	0.31	0.52	0.54	0.15	0.17	0.06	0.16	0.15
Total Shares Outstanding	34.63	37.99	43.35	41.21	40.89	39.23	38.71	38.19	37.45	38.25	43.85	37.32	37.33	41.12	43.72	43.85
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	33.50	108	64.12	57.29	48.89	126	160	90.87	282	438	73.40	89.02	111	438	160	73.40
Money Market Investments	8.22	10.25	21.33	33.52	32.80	28.68	--	--	--	--	--	--	--	--	--	--
Net Loan	706	981	1,340	1,461	1,618	1,709	1,674	1,671	1,680	2,099	2,178	1,773	1,829	2,099	1,818	2,178
Securities & Investments	374	603	894	1,013	832	835	877	935	850	1,153	1,129	1,028	885	1,153	1,131	1,129
Accounts Receivable	4.85	6.82	10.59	13.23	12.64	10.88	10.47	11.07	9.90	10.51	11.82	9.98	9.06	10.51	10.43	11.82
Property, Plant and Equipment	11.65	16.85	32.10	31.74	30.08	36.72	40.69	43.60	40.89	38.48	37.62	39.16	38.88	38.48	38.09	37.62
Intangible Assets	14.60	70.88	171	174	172	169	166	165	165	170	170	165	165	170	170	170
Other Assets	21.68	29.28	63.83	58.18	55.38	70.41	92.35	105	110	114	111	107	112	114	461	111
Total Assets	1,174	1,826	2,597	2,841	2,802	2,984	3,022	3,021	3,137	4,023	3,710	3,211	3,150	4,023	3,790	3,710

Total Deposits	870	1,240	1,731	1,730	1,714	1,989	2,082	2,143	2,297	3,111	2,800	2,369	2,332	3,111	2,904	2,800
Current Portion of Long-Term Debt	--	94.96	235	333	377	154	51.49	51.50	--	--	--	--	--	--	--	--
Long-Term Debt	165	120	207	350	284	412	491	59.69	333	357	368	329	338	357	365	368
Other liabilities	22.14	22.20	29.48	23.65	22.08	30.01	-29.87	336	76.35	63.61	48.09	73.13	34.90	63.61	26.26	48.09
Total Liabilities	1,056	1,477	2,202	2,436	2,397	2,585	2,594	2,590	2,706	3,532	3,216	2,771	2,705	3,532	3,296	3,216

Common Stock	0.83	0.40	0.46	0.46	0.46	0.46	0.46	0.46	0.46	0.52	0.52	0.46	0.46	0.52	0.52	0.52
Retained Earnings	85.40	91.37	104	115	126	139	153	162	165	176	184	172	176	176	180	184
Additional Paid-In Capital	38.03	269	346	344	349	353	356	357	357	404	403	357	358	404	402	403
Treasury Stock	-7.78	-0.43	-28.20	-36.97	-57.42	-75.69	-77.29	-87.34	-90.59	-90.17	-88.52	-90.33	-90.33	-90.17	-88.57	-88.52
Total Equity	118	350	395	405	405	399	427	431	431	491	495	440	445	491	494	495
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	11.25	11.02	21.24	20.20	19.63	23.78	25.86	20.49	11.74	19.89	22.02	5.70	6.21	2.26	7.02	6.53
Depreciation, Depletion and Amortization	3.69	7.11	11.56	10.29	8.44	7.17	6.86	6.99	7.60	5.99	5.83	1.56	1.27	1.59	1.40	1.57
Cash Flow from Others	2.43	-1.92	3.10	-6.66	8.78	9.36	-12.03	-5.62	7.14	-0.85	-20.79	-0.53	6.67	-14.05	-24.73	11.31
Cash Flow from Operations	17.37	16.20	35.91	23.83	36.84	40.31	20.69	21.86	26.48	25.03	7.06	6.73	14.15	-10.19	-16.31	19.41

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-8.85	-8.15	-3.47	-1.85	-2.54	-0.55	-0.69	-0.38	-0.76	-0.72
Cash Flow from Acquisitions	--	--	--	-2.62	-0.75	--	--	--	--	127	127	--	--	127	--	--
Cash Flow from Investing	-147	-216	-88.33	-259	18.64	-116	15.70	-63.78	62.63	-291	-145	-34.12	38.44	-105	-59.73	-19.23

Net Issuance of Stock	-1.82	182	-38.16	-11.14	-20.91	-18.92	-3.46	-13.06	-3.81	46.00	45.98	--	--	46.00	-0.02	--
Net Issuance of Debt	61.79	50.15	68.64	243	-19.84	-94.50	-82.31	-66.86	-34.58	-59.53	19.13	-158	8.95	-12.09	7.60	14.66
Cash Flow for Dividends	-2.42	-5.01	-7.47	-8.36	-8.28	-9.53	-9.38	-9.22	-8.97	-9.10	-9.87	-2.27	-2.28	-2.27	-2.66	-2.66
Other Financing	70.13	46.96	-14.04	4.50	-14.85	277	93.36	61.52	149	446	67.31	233	-36.88	410	-207	-99.04
Cash Flow from Financing	128	274	8.97	228	-63.89	154	-1.79	-27.62	102	423	123	72.72	-30.21	441	-202	-87.03

Net Change in Cash	-1.59	74.07	-43.45	-6.82	-8.40	78.52	34.60	-69.54	191	156	-15.62	45.33	22.38	327	-278	-86.85

Free Cash Flow	17.37	16.20	35.91	23.83	36.84	40.31	11.84	13.71	23.01	23.17	4.52	6.17	13.45	-10.57	-17.07	18.70
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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PBNY Quarterly/Annuals Reports

PBNY: 10-Q - PROVIDENT NEW YORK BANCORP (0001070154) (Filer): (10-Q) - 2013-02-08
PBNY: 10-K - PROVIDENT NEW YORK BANCORP (0001070154) (Filer): (10-K) - 2012-12-14
PBNY: 10-Q - PROVIDENT NEW YORK BANCORP (0001070154) (Filer): (10-Q) - 2012-08-07
PBNY: 10-Q - PROVIDENT NEW YORK BANCORP (0001070154) (Filer): (10-Q) - 2012-05-10
PBNY: 10-Q - PROVIDENT NEW YORK BANCORP (0001070154) (Filer): (10-Q) - 2012-02-08

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