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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 2.37
PBIB's Cash to Debt is ranked higher than
53% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. PBIB: 2.37 )
Ranked among companies with meaningful Cash to Debt only.
PBIB' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 1.78 Max: N/A
Current: 2.37
Equity to Asset 0.05
PBIB's Equity to Asset is ranked lower than
93% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PBIB: 0.05 )
Ranked among companies with meaningful Equity to Asset only.
PBIB' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.08 Max: 0.11
Current: 0.05
0.03
0.11
Interest Coverage 0.54
PBIB's Interest Coverage is ranked lower than
80% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PBIB: 0.54 )
Ranked among companies with meaningful Interest Coverage only.
PBIB' s Interest Coverage Range Over the Past 10 Years
Min: 0.4  Med: 0.41 Max: 0.54
Current: 0.54
0.4
0.54
F-Score: 5
M-Score: -2.43
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 : 3/10

vs
industry
vs
history
Operating margin (%) 9.55
PBIB's Operating margin (%) is ranked lower than
86% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. PBIB: 9.55 )
Ranked among companies with meaningful Operating margin (%) only.
PBIB' s Operating margin (%) Range Over the Past 10 Years
Min: -221.01  Med: -9.69 Max: 44.74
Current: 9.55
-221.01
44.74
Net-margin (%) 9.49
PBIB's Net-margin (%) is ranked lower than
83% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. PBIB: 9.49 )
Ranked among companies with meaningful Net-margin (%) only.
PBIB' s Net-margin (%) Range Over the Past 10 Years
Min: -180.81  Med: -5.26 Max: 217.22
Current: 9.49
-180.81
217.22
ROE (%) 8.50
PBIB's ROE (%) is ranked higher than
51% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. PBIB: 8.50 )
Ranked among companies with meaningful ROE (%) only.
PBIB' s ROE (%) Range Over the Past 10 Years
Min: -77.34  Med: 0.99 Max: 55.99
Current: 8.5
-77.34
55.99
ROA (%) 0.35
PBIB's ROA (%) is ranked lower than
79% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. PBIB: 0.35 )
Ranked among companies with meaningful ROA (%) only.
PBIB' s ROA (%) Range Over the Past 10 Years
Min: -6.75  Med: -0.2 Max: 1.4
Current: 0.35
-6.75
1.4
Revenue Growth (3Y)(%) -28.50
PBIB's Revenue Growth (3Y)(%) is ranked lower than
95% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. PBIB: -28.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBIB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.5  Med: -3.2 Max: 98.9
Current: -28.5
-28.5
98.9
EBITDA Growth (3Y)(%) -70.80
PBIB's EBITDA Growth (3Y)(%) is ranked lower than
98% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. PBIB: -70.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBIB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -70.8  Med: -4.6 Max: 1.2
Current: -70.8
-70.8
1.2
EPS Growth (3Y)(%) -65.20
PBIB's EPS Growth (3Y)(%) is ranked lower than
97% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. PBIB: -65.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBIB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -65.2  Med: -5.5 Max: 32.5
Current: -65.2
-65.2
32.5
» PBIB's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-27)


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 » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:SCZC, NAS:EBMT, OTCPK:CRLN, NAS:SBFG, OTCPK:CLDB, OTCPK:HARL, OTCPK:CMTV, NAS:ASRV, NAS:CWBC, OTCPK:VABK, OTCPK:BCML, OTCPK:EMPK, OTCPK:HCFB, OTCPK:NWYF, OTCPK:FDVA, NAS:SSBI, NAS:UBOH, OTCPK:JFBC, OTCPK:FMBJ, NAS:PLBC » details
Porter Bancorp Inc through its subsidiary PBI Bank, provides commercial and personal banking products. Its services include real estate, commercial, mortgage and consumer loans to small to medium-sized businesses.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 24.90
PBIB's P/E(ttm) is ranked lower than
85% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. PBIB: 24.90 )
Ranked among companies with meaningful P/E(ttm) only.
PBIB' s P/E(ttm) Range Over the Past 10 Years
Min: 0.31  Med: 10.34 Max: 90.5
Current: 24.9
0.31
90.5
PE(NRI) 24.90
PBIB's PE(NRI) is ranked lower than
85% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. PBIB: 24.90 )
Ranked among companies with meaningful PE(NRI) only.
PBIB' s PE(NRI) Range Over the Past 10 Years
Min: 0.31  Med: 10.34 Max: 90.5
Current: 24.9
0.31
90.5
Price/Owner Earnings (ttm) 24.63
PBIB's Price/Owner Earnings (ttm) is ranked lower than
82% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. PBIB: 24.63 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PBIB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.41  Med: 9.5 Max: 1351.25
Current: 24.63
2.41
1351.25
P/B 1.90
PBIB's P/B is ranked lower than
84% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. PBIB: 1.90 )
Ranked among companies with meaningful P/B only.
PBIB' s P/B Range Over the Past 10 Years
Min: 0.24  Med: 1.06 Max: 38.64
Current: 1.9
0.24
38.64
P/S 1.93
PBIB's P/S is ranked higher than
76% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. PBIB: 1.93 )
Ranked among companies with meaningful P/S only.
PBIB' s P/S Range Over the Past 10 Years
Min: 0.16  Med: 1.17 Max: 28.96
Current: 1.93
0.16
28.96
PFCF 20.94
PBIB's PFCF is ranked lower than
75% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. PBIB: 20.94 )
Ranked among companies with meaningful PFCF only.
PBIB' s PFCF Range Over the Past 10 Years
Min: 0.23  Med: 4.55 Max: 113.11
Current: 20.94
0.23
113.11
POCF 18.17
PBIB's POCF is ranked lower than
77% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. PBIB: 18.17 )
Ranked among companies with meaningful POCF only.
PBIB' s POCF Range Over the Past 10 Years
Min: 0.23  Med: 4.2 Max: 18.24
Current: 18.17
0.23
18.24
EV-to-EBIT 13.15
PBIB's EV-to-EBIT is ranked lower than
52% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. PBIB: 13.15 )
Ranked among companies with meaningful EV-to-EBIT only.
PBIB' s EV-to-EBIT Range Over the Past 10 Years
Min: -19.1  Med: 3 Max: 30.8
Current: 13.15
-19.1
30.8
EV-to-EBITDA 8.76
PBIB's EV-to-EBITDA is ranked higher than
62% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. PBIB: 8.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBIB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -255  Med: 1.4 Max: 31.9
Current: 8.76
-255
31.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -31.00
PBIB's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. PBIB: -31.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PBIB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -31  Med: -9 Max: 0.2
Current: -31
-31
0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
PBIB's Price/Tangible Book is ranked lower than
78% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PBIB: 1.90 )
Ranked among companies with meaningful Price/Tangible Book only.
PBIB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.29  Med: 1.2 Max: 19.32
Current: 1.9
0.29
19.32
Price/Projected FCF 0.43
PBIB's Price/Projected FCF is ranked higher than
81% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. PBIB: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
PBIB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.14 Max: 0.53
Current: 0.43
0.03
0.53
Price/Median PS Value 1.66
PBIB's Price/Median PS Value is ranked lower than
88% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PBIB: 1.66 )
Ranked among companies with meaningful Price/Median PS Value only.
PBIB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.14  Med: 0.93 Max: 24.44
Current: 1.66
0.14
24.44
Price/Graham Number 1.45
PBIB's Price/Graham Number is ranked lower than
83% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. PBIB: 1.45 )
Ranked among companies with meaningful Price/Graham Number only.
PBIB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.06  Med: 0.81 Max: 2.03
Current: 1.45
0.06
2.03
Earnings Yield (Greenblatt) (%) 7.65
PBIB's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. PBIB: 7.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBIB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.2  Med: 8.6 Max: 21761.8
Current: 7.65
3.2
21761.8

More Statistics

Revenue (TTM) (Mil) $34.62
EPS (TTM) $ 0.10
Beta-0.21
Short Percentage of Float0.26%
52-Week Range $1.09 - 2.75
Shares Outstanding (Mil)31.11
» More Articles for PBIB

Headlines

Articles On GuruFocus.com
Tiny Titans Jan 20 2016 
Porter Bancorp Inc. Reports Operating Results (10-K/A) Dec 17 2009 

More From Other Websites
Porter Bancorp, Inc.: Strong price momentum but will it sustain? Dec 07 2016
Judge orders PBI Bank to pay millions in property lawsuit Dec 02 2016
PORTER BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure Dec 02 2016
Porter Bancorp Announces Appellate Court Affirms Ruling Dec 02 2016
PORTER BANCORP, INC. Files SEC form 8-K, Other Events Nov 28 2016
Porter Bancorp Announces 1 for 5 Reverse Stock Split Nov 28 2016
PORTER BANCORP, INC. Financials Nov 15 2016
PORTER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 03 2016
Porter Bancorp, Inc. :PBIB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 28, 2016 Oct 28 2016
Porter Bancorp Reports 3rd Quarter 2016 Net Income of $1.3 million or $0.04 per Diluted Share Oct 26 2016
PORTER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 26 2016
Porter Bancorp Reports 3rd Quarter 2016 Net Income of $1.3 million or $0.04 per Diluted Share Oct 26 2016
PORTER BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Sep 27 2016
ETF’s with exposure to Porter Bancorp, Inc. : September 2, 2016 Sep 02 2016
PORTER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 04 2016
Porter Bancorp, Inc. :PBIB-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Well-Known Rent-A-Center Inc. (RCII) and Two Other Companies Highlight Recent Insider Buying... Aug 02 2016
Porter Bancorp Reports 2nd Quarter 2016 Net Income of $979,000 or $0.03 Per Diluted Share Jul 27 2016
PORTER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 27 2016
Porter Bancorp Reports 2nd Quarter 2016 Net Income of $979,000 or $0.03 Per Diluted Share Jul 27 2016

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