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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.13
PBCP's Cash to Debt is ranked higher than
51% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PBCP: 0.13 )
PBCP' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.13

Equity to Asset 0.13
PBCP's Equity to Asset is ranked higher than
88% of the 1967 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: 0.16
Current: 0.13

0.06
0.16
F-Score: 5
Z-Score: 0.23
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 higher than
50% of the 1979 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.56 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 (%) 0.06
PBCP's Net-margin (%) is ranked higher than
50% of the 1979 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.62 vs. PBCP: 0.06 )
PBCP' s 10-Year Net-margin (%) Range
Min: -6.02   Max: 1228.3
Current: 0.06

-6.02
1228.3
ROE (%) 0.02
PBCP's ROE (%) is ranked higher than
51% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. PBCP: 0.02 )
PBCP' s 10-Year ROE (%) Range
Min: -5.21   Max: 12.38
Current: 0.02

-5.21
12.38
ROA (%) -0.09
PBCP's ROA (%) is ranked higher than
50% of the 1992 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PBCP: -0.09 )
PBCP' s 10-Year ROA (%) Range
Min: -0.37   Max: 1.22
Current: -0.09

-0.37
1.22
ROC (Joel Greenblatt) (%) 1.53
PBCP's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.50 vs. PBCP: 1.53 )
PBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -96.75   Max: 101.8
Current: 1.53

-96.75
101.8
Revenue Growth (3Y)(%) 1.00
PBCP's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1707 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBCP: 1.00 )
PBCP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 33.3
Current: 1

0
33.3
EBITDA Growth (3Y)(%) -43.60
PBCP's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1533 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. PBCP: -43.60 )
PBCP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 71
Current: -43.6

0
71
» 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/B 0.89
PBCP's P/B is ranked higher than
87% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.39 vs. PBCP: 0.89 )
PBCP' s 10-Year P/B Range
Min: 0.51   Max: 1.42
Current: 0.89

0.51
1.42
P/S 2.46
PBCP's P/S is ranked higher than
84% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.69 vs. PBCP: 2.46 )
PBCP' s 10-Year P/S Range
Min: 1.36   Max: 26.71
Current: 2.46

1.36
26.71
PFCF 3.96
PBCP's PFCF is ranked higher than
93% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCP: 3.96 )
PBCP' s 10-Year PFCF Range
Min: 3.65   Max: 111.22
Current: 3.96

3.65
111.22
EV-to-EBIT 1206.00
PBCP's EV-to-EBIT is ranked higher than
58% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.04 vs. PBCP: 1206.00 )
PBCP' s 10-Year EV-to-EBIT Range
Min: -218.2   Max: 1438.8
Current: 1206

-218.2
1438.8
Shiller P/E 44.81
PBCP's Shiller P/E is ranked higher than
79% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCP: 44.81 )
PBCP' s 10-Year Shiller P/E Range
Min: 21.43   Max: 54.5
Current: 44.81

21.43
54.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.89
PBCP's Price/Tangible Book is ranked higher than
89% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. PBCP: 0.89 )
PBCP' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 1.37
Current: 0.89

0.64
1.37
Price/DCF (Projected) 1.01
PBCP's Price/DCF (Projected) is ranked higher than
79% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.06 vs. PBCP: 1.01 )
PBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.75   Max: 3.13
Current: 1.01

0.75
3.13
Price/Median PS Value 0.95
PBCP's Price/Median PS Value is ranked higher than
90% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. PBCP: 0.95 )
PBCP' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 10.15
Current: 0.95

0.53
10.15
Price/Graham Number 13.04
PBCP's Price/Graham Number is ranked higher than
66% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. PBCP: 13.04 )
PBCP' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 13.04
Current: 13.04

0.39
13.04
Earnings Yield (Greenblatt) 0.10
PBCP's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 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) -18.43
PBCP's Forward Rate of Return (Yacktman) is ranked higher than
50% of the 1236 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. PBCP: -18.43 )
PBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18.4   Max: 1.6
Current: -18.43

-18.4
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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