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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.84
PBCP's Cash to Debt is ranked lower than
63% of the 1188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. PBCP: 0.84 )
Ranked among companies with meaningful Cash to Debt only.
PBCP' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.32 Max: 5.1
Current: 0.84
0.07
5.1
Equity to Asset 0.13
PBCP's Equity to Asset is ranked higher than
74% of the 1677 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.15
Current: 0.13
0.06
0.15
F-Score: 4
M-Score: -2.69
WACC vs ROIC
4.14%
-0.22%
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 : 4/10

vs
industry
vs
history
Operating margin (%) -0.62
PBCP's Operating margin (%) is ranked lower than
93% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.14 vs. PBCP: -0.62 )
Ranked among companies with meaningful Operating margin (%) only.
PBCP' s Operating margin (%) Range Over the Past 10 Years
Min: -9.04  Med: -1.64 Max: 38.68
Current: -0.62
-9.04
38.68
Net-margin (%) -1.23
PBCP's Net-margin (%) is ranked lower than
94% of the 1694 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.52 vs. PBCP: -1.23 )
Ranked among companies with meaningful Net-margin (%) only.
PBCP' s Net-margin (%) Range Over the Past 10 Years
Min: -6.02  Med: -1.51 Max: 25.77
Current: -1.23
-6.02
25.77
ROE (%) -0.36
PBCP's ROE (%) is ranked lower than
93% of the 1689 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.37 vs. PBCP: -0.36 )
Ranked among companies with meaningful ROE (%) only.
PBCP' s ROE (%) Range Over the Past 10 Years
Min: -1.84  Med: -0.49 Max: 12.38
Current: -0.36
-1.84
12.38
ROA (%) -0.05
PBCP's ROA (%) is ranked lower than
93% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. PBCP: -0.05 )
Ranked among companies with meaningful ROA (%) only.
PBCP' s ROA (%) Range Over the Past 10 Years
Min: -0.16  Med: -0.07 Max: 1.22
Current: -0.05
-0.16
1.22
Revenue Growth (3Y)(%) 3.50
PBCP's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. PBCP: 3.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBCP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.10 Max: 33.4
Current: 3.5
0
33.4
EBITDA Growth (3Y)(%) 27.80
PBCP's EBITDA Growth (3Y)(%) is ranked higher than
86% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. PBCP: 27.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBCP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -6.70 Max: 414.9
Current: 27.8
0
414.9
EPS Growth (3Y)(%) -20.60
PBCP's EPS Growth (3Y)(%) is ranked lower than
91% of the 1270 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBCP: -20.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBCP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: -20.6
Current: -20.6
» PBCP's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:HFBC, NAS:KFFB, NAS:IROQ, AMEX:BKJ, NAS:ASBI, NAS:PBBI » 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 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.

Ratios

vs
industry
vs
history
Price/Owner Earnings (ttm) 32.41
PBCP's Price/Owner Earnings (ttm) is ranked lower than
92% of the 871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.93 vs. PBCP: 32.41 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PBCP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.04  Med: 30.68 Max: 734.76
Current: 32.41
3.04
734.76
P/B 0.94
PBCP's P/B is ranked higher than
58% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. PBCP: 0.94 )
Ranked among companies with meaningful P/B only.
PBCP' s P/B Range Over the Past 10 Years
Min: 0.51  Med: 0.89 Max: 1.42
Current: 0.94
0.51
1.42
P/S 2.97
PBCP's P/S is ranked lower than
51% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. PBCP: 2.97 )
Ranked among companies with meaningful P/S only.
PBCP' s P/S Range Over the Past 10 Years
Min: 1.35  Med: 2.62 Max: 6.15
Current: 2.97
1.35
6.15
PFCF 8.06
PBCP's PFCF is ranked higher than
60% of the 907 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.99 vs. PBCP: 8.06 )
Ranked among companies with meaningful PFCF only.
PBCP' s PFCF Range Over the Past 10 Years
Min: 4.03  Med: 17.27 Max: 222.44
Current: 8.06
4.03
222.44
POCF 7.88
PBCP's POCF is ranked higher than
55% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.81 vs. PBCP: 7.88 )
Ranked among companies with meaningful POCF only.
PBCP' s POCF Range Over the Past 10 Years
Min: 3.97  Med: 14.47 Max: 83.42
Current: 7.88
3.97
83.42
EV-to-EBITDA 41.83
PBCP's EV-to-EBITDA is ranked lower than
93% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.75 vs. PBCP: 41.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBCP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3884.7  Med: 40.85 Max: 8606.3
Current: 41.83
-3884.7
8606.3
Shiller P/E 86.16
PBCP's Shiller P/E is ranked lower than
96% of the 503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.88 vs. PBCP: 86.16 )
Ranked among companies with meaningful Shiller P/E only.
PBCP' s Shiller P/E Range Over the Past 10 Years
Min: 77.86  Med: 91.69 Max: 110.21
Current: 86.16
77.86
110.21

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
PBCP's Price/Tangible Book is ranked higher than
61% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBCP: 0.94 )
Ranked among companies with meaningful Price/Tangible Book only.
PBCP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.64  Med: 0.94 Max: 1.25
Current: 0.94
0.64
1.25
Price/Projected FCF 0.82
PBCP's Price/Projected FCF is ranked lower than
69% of the 897 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. PBCP: 0.82 )
Ranked among companies with meaningful Price/Projected FCF only.
PBCP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.73  Med: 0.96 Max: 2.41
Current: 0.82
0.73
2.41
Price/Median PS Value 1.13
PBCP's Price/Median PS Value is ranked lower than
70% of the 1617 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. PBCP: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
PBCP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.00 Max: 2.11
Current: 1.13
0.52
2.11
Earnings Yield (Greenblatt) (%) -0.20
PBCP's Earnings Yield (Greenblatt) (%) is ranked lower than
91% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.12 vs. PBCP: -0.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBCP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -0.2  Med: 1.90 Max: 15
Current: -0.2
-0.2
15
Forward Rate of Return (Yacktman) (%) -17.32
PBCP's Forward Rate of Return (Yacktman) (%) is ranked lower than
92% of the 861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. PBCP: -17.32 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PBCP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -22.1  Med: -4.60 Max: 1.6
Current: -17.32
-22.1
1.6

More Statistics

Revenue (TTM) (Mil) $11.19
EPS (TTM) $ -0.05
Beta-0.15
Short Percentage of Float0.19%
52-Week Range $10.50 - 15.99
Shares Outstanding (Mil)3.35
» More Articles for OTCBB:PBCP

Headlines

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