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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 0.24
PBCP's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 0.24 )
PBCP' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.24

Equity to Asset 0.13
PBCP's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: 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: 0.16
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 (%) -2.66
PBCP's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -2.66 )
PBCP' s 10-Year Operating margin (%) Range
Min: -9.04   Max: 38.68
Current: -2.66

-9.04
38.68
Net-margin (%) -1.79
PBCP's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -1.79 )
PBCP' s 10-Year Net-margin (%) Range
Min: -13.86   Max: 25.77
Current: -1.79

-13.86
25.77
ROE (%) -0.61
PBCP's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -0.61 )
PBCP' s 10-Year ROE (%) Range
Min: -5.41   Max: 11.61
Current: -0.61

-5.41
11.61
ROA (%) -0.08
PBCP's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -0.08 )
PBCP' s 10-Year ROA (%) Range
Min: -0.38   Max: 1.06
Current: -0.08

-0.38
1.06
ROC (Joel Greenblatt) (%) -7.62
PBCP's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -7.62 )
PBCP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -9.4   Max: 103.92
Current: -7.62

-9.4
103.92
Revenue Growth (%) 1.00
PBCP's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

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

0
33.3
EBITDA Growth (%) -43.60
PBCP's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -43.60 )
PBCP' s 10-Year EBITDA Growth (%) 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

Insider Trades

Latest Guru Trades with PBCP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Ratios

vs
industry
vs
history
P/B 0.90
PBCP's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 0.90 )
PBCP' s 10-Year P/B Range
Min: 0.51   Max: 1.42
Current: 0.9

0.51
1.42
P/S 2.48
PBCP's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 2.48 )
PBCP' s 10-Year P/S Range
Min: 1.36   Max: 26.71
Current: 2.48

1.36
26.71
PFCF 5.40
PBCP's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 5.40 )
PBCP' s 10-Year PFCF Range
Min: 3.86   Max: 505
Current: 5.4

3.86
505
EV-to-EBIT -269.24
PBCP's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: -269.24 )
PBCP' s 10-Year EV-to-EBIT Range
Min: 6.7   Max: 1438.8
Current: -269.24

6.7
1438.8
PEG 1.30
PBCP's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 1.30 )
PBCP' s 10-Year PEG Range
Min: 1.3   Max: 2.83
Current: 1.3

1.3
2.83
Shiller P/E 47.60
PBCP's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 47.60 )
PBCP' s 10-Year Shiller P/E Range
Min: 20.69   Max: 49.71
Current: 47.6

20.69
49.71

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
PBCP's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 0.90 )
PBCP' s 10-Year Price/Tangible Book Range
Min: 0.64   Max: 1.37
Current: 0.9

0.64
1.37
Price/DCF (Projected) 1.20
PBCP's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 1.20 )
PBCP' s 10-Year Price/DCF (Projected) Range
Min: 0.73   Max: 2.95
Current: 1.2

0.73
2.95
Price/Median PS Value 0.90
PBCP's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 0.90 )
PBCP' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 10.05
Current: 0.9

0.52
10.05
Forward Rate of Return (Yacktman) 0.51
PBCP's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBCP: 0.51 )
PBCP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.3   Max: 18.5
Current: 0.51

-0.3
18.5

Business Description

Industry: »
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Polonia Bancorp was organized as a federal Corporation at the direction of Polonia Bank , in connection with the reorganization of the Bank from the mutual form of organization to the mutual holding company form of organization. The reorganization was completed on January 11, 2007. 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's 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 OTS, its main federal regulator, and by the FDIC, as insurer of its deposits.
» More Articles for PBCP

Headlines

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Polonia Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2013 Feb 28 2014
POLONIA BANCORP INC Files SEC form 8-K, Other Events Jan 24 2014
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POLONIA BANCORP INC Files SEC form 8-K, Other Events Jul 02 2013

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