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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 2.17
PBIB's Cash to Debt is ranked higher than
57% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. PBIB: 2.17 )
Ranked among companies with meaningful Cash to Debt only.
PBIB' s 10-Year Cash to Debt Range
Min: 0.16  Med: 1.44 Max: N/A
Current: 2.17
Equity to Asset 0.03
PBIB's Equity to Asset is ranked lower than
98% of the 1353 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  Med: 0.08 Max: 0.11
Current: 0.03
0.03
0.11
F-Score: 5
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 (%) -17.95
PBIB's Operating margin (%) is ranked lower than
95% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. PBIB: -17.95 )
Ranked among companies with meaningful Operating margin (%) only.
PBIB' s 10-Year Operating margin (%) Range
Min: -221.01  Med: -10.75 Max: 44.74
Current: -17.95
-221.01
44.74
Net-margin (%) -17.18
PBIB's Net-margin (%) is ranked lower than
96% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. PBIB: -17.18 )
Ranked among companies with meaningful Net-margin (%) only.
PBIB' s 10-Year Net-margin (%) Range
Min: -180.81  Med: 22.55 Max: 217.22
Current: -17.18
-180.81
217.22
ROE (%) 79.81
PBIB's ROE (%) is ranked higher than
100% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. PBIB: 79.81 )
Ranked among companies with meaningful ROE (%) only.
PBIB' s 10-Year ROE (%) Range
Min: -77.34  Med: 12.34 Max: 55.99
Current: 79.81
-77.34
55.99
ROA (%) -0.61
PBIB's ROA (%) is ranked lower than
94% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PBIB: -0.61 )
Ranked among companies with meaningful ROA (%) only.
PBIB' s 10-Year ROA (%) Range
Min: -6.75  Med: 0.90 Max: 1.56
Current: -0.61
-6.75
1.56
Revenue Growth (3Y)(%) -18.30
PBIB's Revenue Growth (3Y)(%) is ranked lower than
92% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PBIB: -18.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBIB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -21.6  Med: -1.30 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 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PBIB: -53.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBIB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -4.60 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) 0.82
PBIB's P/E(ttm) is ranked higher than
99% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PBIB: 0.82 )
Ranked among companies with meaningful P/E(ttm) only.
PBIB' s 10-Year P/E(ttm) Range
Min: 0.34  Med: 10.24 Max: 47
Current: 0.82
0.34
47
PE(NRI) 0.80
PBIB's PE(NRI) is ranked higher than
99% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PBIB: 0.80 )
Ranked among companies with meaningful PE(NRI) only.
PBIB' s 10-Year PE(NRI) Range
Min: 0.34  Med: 10.22 Max: 47
Current: 0.8
0.34
47
P/B 1.48
PBIB's P/B is ranked lower than
77% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PBIB: 1.48 )
Ranked among companies with meaningful P/B only.
PBIB' s 10-Year P/B Range
Min: 0.24  Med: 0.97 Max: 42.5
Current: 1.48
0.24
42.5
P/S 0.72
PBIB's P/S is ranked higher than
95% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. PBIB: 0.72 )
Ranked among companies with meaningful P/S only.
PBIB' s 10-Year P/S Range
Min: 0.16  Med: 1.29 Max: 18.58
Current: 0.72
0.16
18.58
PFCF 4.60
PBIB's PFCF is ranked higher than
72% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. PBIB: 4.60 )
Ranked among companies with meaningful PFCF only.
PBIB' s 10-Year PFCF Range
Min: 0.23  Med: 4.07 Max: 111.24
Current: 4.6
0.23
111.24
POCF 4.47
PBIB's POCF is ranked higher than
70% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. PBIB: 4.47 )
Ranked among companies with meaningful POCF only.
PBIB' s 10-Year POCF Range
Min: 0.23  Med: 3.85 Max: 15.05
Current: 4.47
0.23
15.05
Days Sales Outstanding 71.13
PBIB's Days Sales Outstanding is ranked lower than
70% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. PBIB: 71.13 )
Ranked among companies with meaningful Days Sales Outstanding only.
PBIB' s 10-Year Days Sales Outstanding Range
Min: 61.73  Med: 248.71 Max: 1739.74
Current: 71.13
61.73
1739.74

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
PBIB's Price/Tangible Book is ranked lower than
69% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PBIB: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
PBIB' s 10-Year Price/Tangible Book Range
Min: 0.29  Med: 1.17 Max: 21.23
Current: 1.44
0.29
21.23
Price/Projected FCF 0.18
PBIB's Price/Projected FCF is ranked higher than
91% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PBIB: 0.18 )
Ranked among companies with meaningful Price/Projected FCF only.
PBIB' s 10-Year Price/Projected FCF Range
Min: 0.03  Med: 0.08 Max: 0.46
Current: 0.18
0.03
0.46
Price/Median PS Value 0.52
PBIB's Price/Median PS Value is ranked higher than
95% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. PBIB: 0.52 )
Ranked among companies with meaningful Price/Median PS Value only.
PBIB' s 10-Year Price/Median PS Value Range
Min: 0.12  Med: 1.02 Max: 14.14
Current: 0.52
0.12
14.14
Earnings Yield (Greenblatt) (%) -142.78
PBIB's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PBIB: -142.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBIB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -723.11  Med: 8.40 Max: 22588.3
Current: -142.78
-723.11
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 

More From Other Websites
Porter Bancorp, Inc. Earnings Q2, 2015 Aug 26 2015
PBI Bank Sponsors Kentucky Habitat for Humanity Cargo Container Home Exhibit at Kentucky State Fair Aug 17 2015
PORTER BANCORP, INC. Financials Aug 13 2015
10-Q for Porter Bancorp, Inc. Aug 07 2015
PORTER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 05 2015
PORTER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 30 2015
Porter Bancorp, Inc. Reports Second Quarter 2015 Results Jul 30 2015
PBI to pay $1.25 million to settle lawsuit Jul 24 2015
PBI Bank, U.S. Department of Labor reach settlement in ESOP case Jul 21 2015
PORTER BANCORP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Material... Jun 29 2015
Porter Bancorp, Inc. Adopts Tax Benefits Preservation Plan to Preserve Use of Net Operating Losses Jun 26 2015
PBI Bank bringing food trucks to its employees, neighbors Jun 10 2015
PORTER BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 28 2015
Porter Bancorp, Inc. Holds Annual Meeting of Shareholders May 27 2015
Latest Buzz in the Financial Sector: Complementary Research on Porter Bancorp, Planet Payment,... May 15 2015
PORTER BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 11 2015
PORTER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 30 2015
Porter Bancorp, Inc. Reports $409,000 First Quarter 2015 Net Income Apr 30 2015
Porter Bank has a plan to boost its stock price Apr 28 2015
PORTER BANCORP, INC. Files SEC form 10-K, Annual Report Mar 30 2015

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