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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 3.29
PBIB's Cash to Debt is ranked higher than
60% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. PBIB: 3.29 )
Ranked among companies with meaningful Cash to Debt only.
PBIB' s 10-Year Cash to Debt Range
Min: 0.16   Max: N/A
Current: 3.29

Equity to Asset 0.03
PBIB's Equity to Asset is ranked lower than
98% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PBIB: 0.03 )
Ranked among companies with meaningful Equity to Asset only.
PBIB' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.11
Current: 0.03

0.03
0.11
F-Score: 4
Z-Score: -0.10
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 : 2/10

vs
industry
vs
history
Operating margin (%) -33.34
PBIB's Operating margin (%) is ranked lower than
97% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. PBIB: -33.34 )
Ranked among companies with meaningful Operating margin (%) only.
PBIB' s 10-Year Operating margin (%) Range
Min: -221.01   Max: 44.74
Current: -33.34

-221.01
44.74
Net-margin (%) -28.89
PBIB's Net-margin (%) is ranked lower than
97% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. PBIB: -28.89 )
Ranked among companies with meaningful Net-margin (%) only.
PBIB' s 10-Year Net-margin (%) Range
Min: -180.81   Max: 217.22
Current: -28.89

-180.81
217.22
ROE (%) -31.38
PBIB's ROE (%) is ranked lower than
98% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. PBIB: -31.38 )
Ranked among companies with meaningful ROE (%) only.
PBIB' s 10-Year ROE (%) Range
Min: -78.92   Max: 21.17
Current: -31.38

-78.92
21.17
ROA (%) -0.99
PBIB's ROA (%) is ranked lower than
96% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. PBIB: -0.99 )
Ranked among companies with meaningful ROA (%) only.
PBIB' s 10-Year ROA (%) Range
Min: -6.75   Max: 1.56
Current: -0.99

-6.75
1.56
ROC (Joel Greenblatt) (%) -60.44
PBIB's ROC (Joel Greenblatt) (%) is ranked lower than
95% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. PBIB: -60.44 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PBIB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -488.65   Max: 173.31
Current: -60.44

-488.65
173.31
Revenue Growth (3Y)(%) -18.30
PBIB's Revenue Growth (3Y)(%) is ranked lower than
91% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PBIB: -18.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBIB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -21.6   Max: 99.3
Current: -18.3

-21.6
99.3
EBITDA Growth (3Y)(%) -53.50
PBIB's EBITDA Growth (3Y)(%) is ranked lower than
97% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PBIB: -53.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBIB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 1.1
Current: -53.5

0
1.1
» PBIB'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) 0.90
PBIB's P/E(ttm) is ranked higher than
99% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. PBIB: 0.90 )
Ranked among companies with meaningful P/E(ttm) only.
PBIB' s 10-Year P/E(ttm) Range
Min: 0.34   Max: 47
Current: 0.9

0.34
47
PE(NRI) 1.00
PBIB's PE(NRI) is ranked higher than
99% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. PBIB: 1.00 )
Ranked among companies with meaningful PE(NRI) only.
PBIB' s 10-Year PE(NRI) Range
Min: 0.34   Max: 47
Current: 1

0.34
47
P/B 1.10
PBIB's P/B is ranked higher than
50% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PBIB: 1.10 )
Ranked among companies with meaningful P/B only.
PBIB' s 10-Year P/B Range
Min: 0.24   Max: 42.5
Current: 1.1

0.24
42.5
P/S 0.49
PBIB's P/S is ranked higher than
97% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. PBIB: 0.49 )
Ranked among companies with meaningful P/S only.
PBIB' s 10-Year P/S Range
Min: 0.16   Max: 18.58
Current: 0.49

0.16
18.58
PFCF 1.90
PBIB's PFCF is ranked higher than
84% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. PBIB: 1.90 )
Ranked among companies with meaningful PFCF only.
PBIB' s 10-Year PFCF Range
Min: 0.23   Max: 111.24
Current: 1.9

0.23
111.24
POCF 2.10
PBIB's POCF is ranked higher than
81% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. PBIB: 2.10 )
Ranked among companies with meaningful POCF only.
PBIB' s 10-Year POCF Range
Min: 0.23   Max: 11.78
Current: 2.1

0.23
11.78
EV-to-EBIT 2.94
PBIB's EV-to-EBIT is ranked higher than
96% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. PBIB: 2.94 )
Ranked among companies with meaningful EV-to-EBIT only.
PBIB' s 10-Year EV-to-EBIT Range
Min: -19.1   Max: 21.1
Current: 2.94

-19.1
21.1
Days Sales Outstanding 72.41
PBIB's Days Sales Outstanding is ranked lower than
70% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. PBIB: 72.41 )
Ranked among companies with meaningful Days Sales Outstanding only.
PBIB' s 10-Year Days Sales Outstanding Range
Min: 61.73   Max: 1739.74
Current: 72.41

61.73
1739.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
PBIB's Price/Tangible Book is ranked higher than
68% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PBIB: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
PBIB' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 21.23
Current: 1

0.41
21.23
Price/DCF (Projected) 0.10
PBIB's Price/DCF (Projected) is ranked higher than
99% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. PBIB: 0.10 )
Ranked among companies with meaningful Price/DCF (Projected) only.
PBIB' s 10-Year Price/DCF (Projected) Range
Min: 0.03   Max: 0.45
Current: 0.1

0.03
0.45
Price/Median PS Value 0.40
PBIB's Price/Median PS Value is ranked higher than
98% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PBIB: 0.40 )
Ranked among companies with meaningful Price/Median PS Value only.
PBIB' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 13.75
Current: 0.4

0.12
13.75
Earnings Yield (Greenblatt) 40.50
PBIB's Earnings Yield (Greenblatt) is ranked higher than
97% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PBIB: 40.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
PBIB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.7   Max: 22588.3
Current: 40.5

4.7
22588.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Porter Bancorp, Inc. was incorporated in the State of Kentucky. It was organized in 1988. It is a bank holding company. Through its subsidiary PBI Bank, it operates 18 full-service banking offices in approximately 12 counties in Kentucky. The Company's markets include metropolitan Louisville in Jefferson County and the surrounding counties of Henry and Bullitt, and extend south along the Interstate 65 corridor to Tennessee. It serves south central Kentucky and southern Kentucky from banking offices in Butler, Green, Hart, Edmonson, Barren, Warren, Ohio, and Daviess Counties. It also has an office in Lexington, Kentucky, the second largest city in Kentucky. PBI Bank is both a traditional community bank with a wide range of commercial and personal banking products, with a focus on commercial real estate and residential real estate lending, and an innovative on-line bank which delivers competitive deposit products and services through an on-line banking division operating under the name of Ascencia. It operates in markets that include the four largest cities in Kentucky - Louisville, Lexington, Owensboro and Bowling Green. It meets its customers' banking needs with a broad range of financial products and services. The Company's lending services include real estate, commercial, mortgage and consumer loans to small to medium-sized businesses located in its markets, the owners and employees of those businesses, as well as other executives and professionals. It complements its lending operations with an array of retail and commercial deposit products. In addition, it offers its customers drive-through banking facilities, automatic teller machines, night depository, personalized checks, credit cards, debit cards, internet banking, electronic funds transfers through ACH services, domestic and foreign wire transfers, travelers' checks, cash management, vault services, loan and deposit sweep accounts and lock box services. Through its trust division, it offers personal trust services, employer retirement plan services and personal financial and retirement planning services.
» More Articles for PBIB

Headlines

Articles On GuruFocus.com
Porter Bancorp Inc. Reports Operating Results (10-K/A) Dec 17 2009 
Porter Bancorp, Inc. Announces Earnings for Fourth Quarter and 2008 Jan 21 2009 

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