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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 1.78
PBIB's Cash to Debt is ranked higher than
79% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.37 vs. PBIB: 1.78 )
PBIB' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 1.78

Equity to Asset 0.03
PBIB's Equity to Asset is ranked lower than
53% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PBIB: 0.03 )
PBIB' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.11
Current: 0.03

0.03
0.11
F-Score: 3
Z-Score: -0.15
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 (%) -37.69
PBIB's Operating margin (%) is ranked lower than
52% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.23 vs. PBIB: -37.69 )
PBIB' s 10-Year Operating margin (%) Range
Min: -221.01   Max: 44.74
Current: -37.69

-221.01
44.74
Net-margin (%) -33.01
PBIB's Net-margin (%) is ranked lower than
52% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.13 vs. PBIB: -33.01 )
PBIB' s 10-Year Net-margin (%) Range
Min: -180.81   Max: 217.22
Current: -33.01

-180.81
217.22
ROE (%) -33.67
PBIB's ROE (%) is ranked lower than
53% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.70 vs. PBIB: -33.67 )
PBIB' s 10-Year ROE (%) Range
Min: -78.92   Max: 21.17
Current: -33.67

-78.92
21.17
ROA (%) -1.07
PBIB's ROA (%) is ranked lower than
52% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. PBIB: -1.07 )
PBIB' s 10-Year ROA (%) Range
Min: -6.75   Max: 1.56
Current: -1.07

-6.75
1.56
ROC (Joel Greenblatt) (%) -64.50
PBIB's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.54 vs. PBIB: -64.50 )
PBIB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -488.65   Max: 173.31
Current: -64.5

-488.65
173.31
Revenue Growth (3Y)(%) -21.60
PBIB's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1760 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PBIB: -21.60 )
PBIB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -21.6   Max: 99.3
Current: -21.6

-21.6
99.3
EPS Growth (3Y)(%) -21.50
PBIB's EPS Growth (3Y)(%) is ranked higher than
56% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. PBIB: -21.50 )
PBIB' s 10-Year EPS Growth (3Y)(%) Range
Min: -21.5   Max: 32.6
Current: -21.5

-21.5
32.6
» 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/B 0.40
PBIB's P/B is ranked higher than
96% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. PBIB: 0.40 )
PBIB' s 10-Year P/B Range
Min: 0.24   Max: 42.5
Current: 0.4

0.24
42.5
P/S 0.30
PBIB's P/S is ranked higher than
99% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. PBIB: 0.30 )
PBIB' s 10-Year P/S Range
Min: 0.16   Max: 18.58
Current: 0.3

0.16
18.58
PFCF 3.00
PBIB's PFCF is ranked higher than
94% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PBIB: 3.00 )
PBIB' s 10-Year PFCF Range
Min: 0.23   Max: 111.24
Current: 3

0.23
111.24
POCF 2.54
PBIB's POCF is ranked higher than
95% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 41.60 vs. PBIB: 2.54 )
PBIB' s 10-Year POCF Range
Min: 0.23   Max: 11.78
Current: 2.54

0.23
11.78
EV-to-EBIT -1.43
PBIB's EV-to-EBIT is ranked lower than
62% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.72 vs. PBIB: -1.43 )
PBIB' s 10-Year EV-to-EBIT Range
Min: -19.1   Max: 21.1
Current: -1.43

-19.1
21.1
Days Sales Outstanding 85.73
PBIB's Days Sales Outstanding is ranked higher than
80% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PBIB: 85.73 )
PBIB' s 10-Year Days Sales Outstanding Range
Min: 61.73   Max: 1739.74
Current: 85.73

61.73
1739.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.50
PBIB's Price/Tangible Book is ranked higher than
97% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. PBIB: 0.50 )
PBIB' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 21.23
Current: 0.5

0.41
21.23
Price/Median PS Value 0.20
PBIB's Price/Median PS Value is ranked higher than
100% of the 2685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. PBIB: 0.20 )
PBIB' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 13.28
Current: 0.2

0.12
13.28
Earnings Yield (Greenblatt) -69.10
PBIB's Earnings Yield (Greenblatt) is ranked lower than
56% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PBIB: -69.10 )
PBIB' s 10-Year Earnings Yield (Greenblatt) Range
Min: -69.1   Max: 22588.3
Current: -69.1

-69.1
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 18 2009 
Porter Bancorp, Inc. Announces Earnings for Fourth Quarter and 2008 Jan 21 2009 

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PORTER BANCORP, INC. Files SEC form 10-K, Annual Report Mar 30 2015
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Porter Bancorp, Inc. Appoints Bradford T. Ray As New Director Dec 30 2014
PORTER BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 30 2014
Porter Bancorp, Inc. Appoints Bradford T. Ray As New Director Dec 30 2014
PORTER BANCORP, INC. Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a Continued... Dec 24 2014
PORTER BANCORP, INC. Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... Dec 10 2014
Porter Bancorp, Inc. Expects Stock Exchange Transaction to Increase Stockholders' Equity Dec 10 2014
PORTER BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Unregistered... Nov 24 2014
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PORTER BANCORP, INC. Files SEC form 10-Q/A, Quarterly Report Nov 14 2014
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