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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 : 4/10

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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 : 3/10

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:EQFN, NAS:BYFC, OTCPK:WEFP, OTCPK:FIRT, OTCPK:RYFL, OTCPK:MBCQ, NAS:WVFC, NAS:CFBK, NAS:GTWN, NAS:WAYN, NAS:JXSB, OTCPK:BHWB, NAS:HFBL, OTCPK:FNFI, OTCPK:UNTN, NAS:PBHC, OTCPK:GRRB, NAS:CARV, OTCPK:SNNY, OTCPK:NWBB » details
Polonia Bancorp Inc is a holding Company for Polonia Bank, which provides services such as residential real estate, commercial real estate and consumer loans, as well as deposit services to its customers.

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 using such funds to originate loans. Polonia Bank also maintains an investment portfolio. Polonia Bank's primary federal regulator is the Office of the Comptroller of the Currency (OCC). 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. 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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More Statistics

Revenue (TTM) (Mil) $11.19
EPS (TTM) $ -0.05
Short Percentage of Float0.19%
52-Week Range $10.35 - 12.10
Shares Outstanding (Mil)3.35
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Polonia Bancorp, Inc. :PBCP-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 12 2016
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