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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.49
PBCP's Cash to Debt is ranked lower than
67% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. PBCP: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
PBCP' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.56 Max: N/A
Current: 0.49
Equity to Asset 0.13
PBCP's Equity to Asset is ranked higher than
75% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBCP: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
PBCP' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.11 Max: 0.16
Current: 0.13
0.06
0.16
Interest Coverage 0.02
PBCP's Interest Coverage is ranked lower than
100% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. PBCP: 0.02 )
Ranked among companies with meaningful Interest Coverage only.
PBCP' s 10-Year Interest Coverage Range
Min: 0.02  Med: 0.11 Max: 1.29
Current: 0.02
0.02
1.29
F-Score: 6
WACC vs ROIC
2.75%
0.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 1.50
PBCP's Operating margin (%) is ranked lower than
92% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. PBCP: 1.50 )
Ranked among companies with meaningful Operating margin (%) only.
PBCP' s 10-Year Operating margin (%) Range
Min: -117.97  Med: -3.45 Max: 38.68
Current: 1.5
-117.97
38.68
Net-margin (%) 0.76
PBCP's Net-margin (%) is ranked lower than
93% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. PBCP: 0.76 )
Ranked among companies with meaningful Net-margin (%) only.
PBCP' s 10-Year Net-margin (%) Range
Min: -13.86  Med: -0.83 Max: 25.77
Current: 0.76
-13.86
25.77
ROE (%) 0.25
PBCP's ROE (%) is ranked lower than
91% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. PBCP: 0.25 )
Ranked among companies with meaningful ROE (%) only.
PBCP' s 10-Year ROE (%) Range
Min: -5.21  Med: -0.60 Max: 12.38
Current: 0.25
-5.21
12.38
ROA (%) 0.03
PBCP's ROA (%) is ranked lower than
91% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. PBCP: 0.03 )
Ranked among companies with meaningful ROA (%) only.
PBCP' s 10-Year ROA (%) Range
Min: -0.37  Med: -0.09 Max: 1.22
Current: 0.03
-0.37
1.22
Revenue Growth (3Y)(%) 12.80
PBCP's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. PBCP: 12.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBCP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 10.80 Max: 33.3
Current: 12.8
0
33.3
EBITDA Growth (3Y)(%) 11.90
PBCP's EBITDA Growth (3Y)(%) is ranked higher than
63% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. PBCP: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBCP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -21.80 Max: 71
Current: 11.9
0
71
EPS Growth (3Y)(%) -56.30
PBCP's EPS Growth (3Y)(%) is ranked lower than
97% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. PBCP: -56.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBCP' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: -56.3
Current: -56.3
» PBCP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 595.00
PBCP's P/E(ttm) is ranked lower than
100% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. PBCP: 595.00 )
Ranked among companies with meaningful P/E(ttm) only.
PBCP' s 10-Year P/E(ttm) Range
Min: 5.3  Med: 76.38 Max: 1800
Current: 595
5.3
1800
PE(NRI) 595.00
PBCP's PE(NRI) is ranked lower than
100% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. PBCP: 595.00 )
Ranked among companies with meaningful PE(NRI) only.
PBCP' s 10-Year PE(NRI) Range
Min: 5.29  Med: 95.00 Max: 99999999.99
Current: 595
5.29
99999999.99
P/B 1.02
PBCP's P/B is ranked higher than
53% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. PBCP: 1.02 )
Ranked among companies with meaningful P/B only.
PBCP' s 10-Year P/B Range
Min: 0.51  Med: 0.88 Max: 1.42
Current: 1.02
0.51
1.42
P/S 2.93
PBCP's P/S is ranked lower than
51% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. PBCP: 2.93 )
Ranked among companies with meaningful P/S only.
PBCP' s 10-Year P/S Range
Min: 1.32  Med: 2.60 Max: 26.71
Current: 2.93
1.32
26.71
PFCF 13.52
PBCP's PFCF is ranked lower than
64% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. PBCP: 13.52 )
Ranked among companies with meaningful PFCF only.
PBCP' s 10-Year PFCF Range
Min: 3.65  Med: 14.77 Max: 111.22
Current: 13.52
3.65
111.22
POCF 13.08
PBCP's POCF is ranked lower than
71% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. PBCP: 13.08 )
Ranked among companies with meaningful POCF only.
PBCP' s 10-Year POCF Range
Min: 3.6  Med: 14.24 Max: 505
Current: 13.08
3.6
505
EV-to-EBIT 354.28
PBCP's EV-to-EBIT is ranked lower than
99% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. PBCP: 354.28 )
Ranked among companies with meaningful EV-to-EBIT only.
PBCP' s 10-Year EV-to-EBIT Range
Min: -291.9  Med: -1.35 Max: 1438.8
Current: 354.28
-291.9
1438.8
Shiller P/E 52.85
PBCP's Shiller P/E is ranked lower than
95% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. PBCP: 52.85 )
Ranked among companies with meaningful Shiller P/E only.
PBCP' s 10-Year Shiller P/E Range
Min: 20.69  Med: 45.71 Max: 59.78
Current: 52.85
20.69
59.78
Days Sales Outstanding 19.83
PBCP's Days Sales Outstanding is ranked higher than
80% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. PBCP: 19.83 )
Ranked among companies with meaningful Days Sales Outstanding only.
PBCP' s 10-Year Days Sales Outstanding Range
Min: 21.18  Med: 47.47 Max: 58.11
Current: 19.83
21.18
58.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
PBCP's Price/Tangible Book is ranked higher than
59% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. PBCP: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
PBCP' s 10-Year Price/Tangible Book Range
Min: 0.64  Med: 0.89 Max: 1.37
Current: 1.02
0.64
1.37
Price/Projected FCF 1.39
PBCP's Price/Projected FCF is ranked lower than
87% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. PBCP: 1.39 )
Ranked among companies with meaningful Price/Projected FCF only.
PBCP' s 10-Year Price/Projected FCF Range
Min: 0.71  Med: 1.17 Max: 3.13
Current: 1.39
0.71
3.13
Price/Median PS Value 1.13
PBCP's Price/Median PS Value is ranked lower than
63% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. PBCP: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
PBCP' s 10-Year Price/Median PS Value Range
Min: 0.51  Med: 1.00 Max: 10.05
Current: 1.13
0.51
10.05
Price/Graham Number 4.27
PBCP's Price/Graham Number is ranked lower than
99% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. PBCP: 4.27 )
Ranked among companies with meaningful Price/Graham Number only.
PBCP' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 1.68 Max: 10.15
Current: 4.27
0.39
10.15
Earnings Yield (Greenblatt) (%) 0.30
PBCP's Earnings Yield (Greenblatt) (%) is ranked lower than
89% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. PBCP: 0.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBCP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 1.70 Max: 15.6
Current: 0.3
0.1
15.6
Forward Rate of Return (Yacktman) (%) -24.37
PBCP's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. PBCP: -24.37 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PBCP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -24.4  Med: -5.15 Max: 1.6
Current: -24.37
-24.4
1.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Polonia Bancorp Inc is a Maryland corporation that was incorporated in August 2011. The Company is headquartered in Huntingdon Valley and operates as a community-oriented financial institution dedicated to serving the financial services needs of consumers and businesses within its market areas. The Bank is engaged mainly in the business of attracting deposits from the general public and using such funds to originate one-to four-family real estate and to a much lesser extent, multi-family and nonresidential real estate loans and home equity and consumer loans which it mainly hold for investment. Its loan portfolio consists of one- to four-family residential real estate loans, multi-family and nonresidential real estate loans, home equity loans, commercial loans and consumer loans. Currently, it offers only fixed-rate mortgage products. The one- to four-family residential real estate loans are normally originated with up to 30-year terms, such loans typically remain outstanding for substantially shorter periods because borrowers often prepay their loans in full upon sale of the property pledged as security or upon refinancing the original loan. The multi-family and nonresidential real estate loans are generally secured by apartment buildings, small office buildings and owner-occupied properties. The Company offers home equity loans with fixed interest rates for terms up to 15 years and maximum combined loan-to-value ratios of 80%. It offers loans with adjustable interest rates tied to a market index in its market area. It offers consumer loans in the form of loans secured by savings accounts or time deposits. The Company has the legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies and municipal governments, corporate securities, mortgage-backed securities, deposits at the FHLB of Pittsburgh and time deposits of federally insured institutions. The Company faces competition for the attraction of deposits and origination of loans. The Company's direct competition for deposits has historically come from the several financial institutions operating in its market areas and, to a lesser extent, from other financial service companies such as brokerage firms, credit unions and insurance companies. The Company is subject to regulation, supervision and examination by the Federal Reserve Board and the OCC, its main federal regulator, and by the FDIC, as insurer of its deposits.
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