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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 0.21
PBCP's Cash to Debt is ranked higher than
54% of the 1728 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.88 vs. PBCP: 0.21 )
PBCP' s 10-Year Cash to Debt Range
Min: 0.07   Max: 5.1
Current: 0.21

0.07
5.1
Equity to Asset 0.13
PBCP's Equity to Asset is ranked higher than
85% of the 2245 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PBCP: 0.13 )
PBCP' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.15
Current: 0.13

0.06
0.15
Interest Coverage 0.02
PBCP's Interest Coverage is ranked lower than
55% of the 2154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. PBCP: 0.02 )
PBCP' s 10-Year Interest Coverage Range
Min: 0.02   Max: 1.29
Current: 0.02

0.02
1.29
F-Score: 5
Z-Score: 0.24
WACC vs ROIC
2.71%
0.02%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 0.55
PBCP's Operating margin (%) is ranked lower than
52% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.23 vs. PBCP: 0.55 )
PBCP' s 10-Year Operating margin (%) Range
Min: -9.04   Max: 10452.83
Current: 0.55

-9.04
10452.83
Net-margin (%) 0.13
PBCP's Net-margin (%) is ranked lower than
52% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.25 vs. PBCP: 0.13 )
PBCP' s 10-Year Net-margin (%) Range
Min: -6.02   Max: 1228.3
Current: 0.13

-6.02
1228.3
ROE (%) 0.04
PBCP's ROE (%) is ranked lower than
52% of the 2352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. PBCP: 0.04 )
PBCP' s 10-Year ROE (%) Range
Min: -5.21   Max: 12.38
Current: 0.04

-5.21
12.38
ROA (%) 0.01
PBCP's ROA (%) is ranked lower than
52% of the 2361 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PBCP: 0.01 )
PBCP' s 10-Year ROA (%) Range
Min: -0.37   Max: 1.22
Current: 0.01

-0.37
1.22
ROC (Joel Greenblatt) (%) 1.56
PBCP's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 2323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 88.11 vs. PBCP: 1.56 )
PBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -96.75   Max: 101.8
Current: 1.56

-96.75
101.8
Revenue Growth (3Y)(%) 12.80
PBCP's Revenue Growth (3Y)(%) is ranked higher than
91% of the 2005 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. PBCP: 12.80 )
PBCP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 33.3
Current: 12.8

0
33.3
EBITDA Growth (3Y)(%) 11.90
PBCP's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1815 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. PBCP: 11.90 )
PBCP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 71
Current: 11.9

0
71
EPS Growth (3Y)(%) -56.30
PBCP's EPS Growth (3Y)(%) is ranked lower than
51% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. PBCP: -56.30 )
PBCP' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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) 638.00
PBCP's P/E(ttm) is ranked higher than
57% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.00 vs. PBCP: 638.00 )
PBCP' s 10-Year P/E(ttm) Range
Min: 5.3   Max: 1800
Current: 638

5.3
1800
PE(NRI) 638.00
PBCP's PE(NRI) is ranked higher than
62% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.80 vs. PBCP: 638.00 )
PBCP' s 10-Year PE(NRI) Range
Min: 5.29   Max: 900
Current: 638

5.29
900
P/B 1.10
PBCP's P/B is ranked higher than
76% of the 3173 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. PBCP: 1.10 )
PBCP' s 10-Year P/B Range
Min: 0.51   Max: 1.42
Current: 1.1

0.51
1.42
P/S 3.20
PBCP's P/S is ranked higher than
70% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.80 vs. PBCP: 3.20 )
PBCP' s 10-Year P/S Range
Min: 1.36   Max: 26.71
Current: 3.2

1.36
26.71
PFCF 11.10
PBCP's PFCF is ranked higher than
83% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCP: 11.10 )
PBCP' s 10-Year PFCF Range
Min: 3.65   Max: 111.22
Current: 11.1

3.65
111.22
POCF 10.72
PBCP's POCF is ranked higher than
82% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 175.50 vs. PBCP: 10.72 )
PBCP' s 10-Year POCF Range
Min: 3.6   Max: 505
Current: 10.72

3.6
505
EV-to-EBIT 1276.09
PBCP's EV-to-EBIT is ranked higher than
57% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.74 vs. PBCP: 1276.09 )
PBCP' s 10-Year EV-to-EBIT Range
Min: -218.2   Max: 1438.8
Current: 1276.09

-218.2
1438.8
Shiller P/E 59.40
PBCP's Shiller P/E is ranked higher than
71% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCP: 59.40 )
PBCP' s 10-Year Shiller P/E Range
Min: 21.43   Max: 65.48
Current: 59.4

21.43
65.48
Days Sales Outstanding 22.52
PBCP's Days Sales Outstanding is ranked higher than
94% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCP: 22.52 )
PBCP' s 10-Year Days Sales Outstanding Range
Min: 21.18   Max: 58.11
Current: 22.52

21.18
58.11

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
PBCP's Price/Tangible Book is ranked higher than
83% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PBCP: 1.10 )
PBCP' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 1.37
Current: 1.1

0.64
1.37
Price/DCF (Projected) 1.20
PBCP's Price/DCF (Projected) is ranked higher than
80% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCP: 1.20 )
PBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.95   Max: 2.58
Current: 1.2

0.95
2.58
Price/Median PS Value 1.20
PBCP's Price/Median PS Value is ranked higher than
73% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBCP: 1.20 )
PBCP' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 2.05
Current: 1.2

0.52
2.05
Price/Graham Number 11.00
PBCP's Price/Graham Number is ranked higher than
64% of the 3174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. PBCP: 11.00 )
PBCP' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 9.01
Current: 11

0.39
9.01
Earnings Yield (Greenblatt) 0.10
PBCP's Earnings Yield (Greenblatt) is ranked lower than
55% of the 2339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PBCP: 0.10 )
PBCP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 15
Current: 0.1

0.1
15
Forward Rate of Return (Yacktman) -21.17
PBCP's Forward Rate of Return (Yacktman) is ranked higher than
50% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. PBCP: -21.17 )
PBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -21.3   Max: 1.6
Current: -21.17

-21.3
1.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Polonia Bancorp 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. The Company faces competition for the attraction of deposits and origination of loans. The Company's most 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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