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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 0.20
PBIB's Cash-to-Debt is ranked lower than
88% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. PBIB: 0.20 )
Ranked among companies with meaningful Cash-to-Debt only.
PBIB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17  Med: 1.34 Max: N/A
Current: 0.2
Equity-to-Asset 0.04
PBIB's Equity-to-Asset is ranked lower than
97% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PBIB: 0.04 )
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: 0.04
0.03
0.11
Piotroski F-Score: 3
Beneish M-Score: -2.60
WACC vs ROIC
7.50%
-37.46%
WACC
ROIC
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 % -7.95
PBIB's Operating Margin % is ranked lower than
94% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. PBIB: -7.95 )
Ranked among companies with meaningful Operating Margin % only.
PBIB' s Operating Margin % Range Over the Past 10 Years
Min: -181.18  Med: -8.29 Max: 44.74
Current: -7.95
-181.18
44.74
Net Margin % -8.01
PBIB's Net Margin % is ranked lower than
94% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. PBIB: -8.01 )
Ranked among companies with meaningful Net Margin % only.
PBIB' s Net Margin % Range Over the Past 10 Years
Min: -180.81  Med: -7.18 Max: 29.67
Current: -8.01
-180.81
29.67
ROE % -7.27
PBIB's ROE % is ranked lower than
95% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. PBIB: -7.27 )
Ranked among companies with meaningful ROE % only.
PBIB' s ROE % Range Over the Past 10 Years
Min: -77.34  Med: -5.82 Max: 55.99
Current: -7.27
-77.34
55.99
ROA % -0.30
PBIB's ROA % is ranked lower than
93% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PBIB: -0.30 )
Ranked among companies with meaningful ROA % only.
PBIB' s ROA % Range Over the Past 10 Years
Min: -6.75  Med: -0.27 Max: 1.14
Current: -0.3
-6.75
1.14
3-Year Revenue Growth Rate -28.30
PBIB's 3-Year Revenue Growth Rate is ranked lower than
96% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. PBIB: -28.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PBIB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -28.5  Med: -5.1 Max: 98.9
Current: -28.3
-28.5
98.9
3-Year EPS without NRI Growth Rate -31.80
PBIB's 3-Year EPS without NRI Growth Rate is ranked lower than
93% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. PBIB: -31.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PBIB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -65.2  Med: -11 Max: 32.5
Current: -31.8
-65.2
32.5
GuruFocus has detected 3 Warning Signs with Porter Bancorp Inc $PBIB.
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» PBIB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Guru Trades

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Q4 2016

PBIB Guru Trades in Q4 2016

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:SABK, OTCPK:CBCO, NAS:SSFN, NAS:EMCF, OTCPK:CNAF, NAS:PNBK, OTCPK:AVLY, OTCPK:CMOH, OTCPK:HLND, NAS:HMTA, AMEX:SGB, OTCPK:MYBF, NAS:FBSS, NAS:CZWI, NAS:WEBK, OTCPK:JFBC, OTCPK:PBCA, NAS:FUSB, OTCPK:LDKB, NAS:UBCP » 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
PB Ratio 4.46
PBIB's PB Ratio is ranked lower than
98% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PBIB: 4.46 )
Ranked among companies with meaningful PB Ratio only.
PBIB' s PB Ratio Range Over the Past 10 Years
Min: 0.18  Med: 1.08 Max: 38.81
Current: 4.46
0.18
38.81
PS Ratio 1.59
PBIB's PS Ratio is ranked higher than
83% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. PBIB: 1.59 )
Ranked among companies with meaningful PS Ratio only.
PBIB' s PS Ratio Range Over the Past 10 Years
Min: 0.03  Med: 1.2 Max: 28.96
Current: 1.59
0.03
28.96
Price-to-Free-Cash-Flow 15.15
PBIB's Price-to-Free-Cash-Flow is ranked lower than
53% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. PBIB: 15.15 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PBIB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.05  Med: 4.66 Max: 20.73
Current: 15.15
0.05
20.73
Price-to-Operating-Cash-Flow 13.63
PBIB's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. PBIB: 13.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PBIB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.05  Med: 4.23 Max: 18.62
Current: 13.63
0.05
18.62

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -76.70
PBIB's 3-Year Average Share Buyback Ratio is ranked lower than
98% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. PBIB: -76.70 )
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: -76.7  Med: -9 Max: 0.2
Current: -76.7
-76.7
0.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.45
PBIB's Price-to-Tangible-Book is ranked lower than
97% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. PBIB: 4.45 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PBIB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 1.21 Max: 5.83
Current: 4.45
0.29
5.83
Price-to-Intrinsic-Value-Projected-FCF 0.36
PBIB's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
87% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. PBIB: 0.36 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PBIB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.15 Max: 0.53
Current: 0.36
0.03
0.53
Price-to-Median-PS-Value 1.32
PBIB's Price-to-Median-PS-Value is ranked lower than
70% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. PBIB: 1.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PBIB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.14  Med: 1.26 Max: 15.58
Current: 1.32
0.14
15.58
Earnings Yield (Greenblatt) % -2.75
PBIB's Earnings Yield (Greenblatt) % is ranked lower than
79% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. PBIB: -2.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PBIB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2.75  Med: 8.6 Max: 21761.8
Current: -2.75
-2.75
21761.8

More Statistics

Revenue (TTM) (Mil) $34.39
EPS (TTM) $ -0.47
Beta-0.03
Short Percentage of Float0.40%
52-Week Range $5.50 - 13.75
Shares Outstanding (Mil)6.22
» 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. :PBIB-US: Earnings Analysis: 2016 By the Numbers : January 27, 2017 Jan 27 2017
PORTER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Change in... Jan 25 2017
Porter Bancorp Reported 2016 Net Loss Narrowed to $2.7 Million or ($0.46) per Share Compared to 2015... Jan 25 2017
PORTER BANCORP, INC. Financials Dec 22 2016
PORTER BANCORP, INC. Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... Dec 21 2016
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. 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

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