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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 : 7/10

vs
industry
vs
history
Cash to Debt 97.64
PBIP's Cash to Debt is ranked higher than
84% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. PBIP: 97.64 )
PBIP' s 10-Year Cash to Debt Range
Min: 0.2   Max: 467.6
Current: 97.64

0.2
467.6
Equity to Asset 0.24
PBIP's Equity to Asset is ranked higher than
96% of the 2349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PBIP: 0.24 )
PBIP' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.25
Current: 0.24

0.1
0.25
Interest Coverage 0.73
PBIP's Interest Coverage is ranked higher than
61% of the 2175 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. PBIP: 0.73 )
PBIP' s 10-Year Interest Coverage Range
Min: 0.32   Max: 0.79
Current: 0.73

0.32
0.79
F-Score: 5
Z-Score: 0.36
WACC vs ROIC
5.39%
2.22%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 18.13
PBIP's Operating margin (%) is ranked higher than
59% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.48 vs. PBIP: 18.13 )
PBIP' s 10-Year Operating margin (%) Range
Min: -767.6   Max: 42.75
Current: 18.13

-767.6
42.75
Net-margin (%) 13.16
PBIP's Net-margin (%) is ranked higher than
58% of the 2377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.33 vs. PBIP: 13.16 )
PBIP' s 10-Year Net-margin (%) Range
Min: -63.84   Max: 326.87
Current: 13.16

-63.84
326.87
ROE (%) 1.48
PBIP's ROE (%) is ranked higher than
51% of the 2380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.85 vs. PBIP: 1.48 )
PBIP' s 10-Year ROE (%) Range
Min: -5.53   Max: 7.51
Current: 1.48

-5.53
7.51
ROA (%) 0.37
PBIP's ROA (%) is ranked higher than
57% of the 2384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. PBIP: 0.37 )
PBIP' s 10-Year ROA (%) Range
Min: -0.86   Max: 0.84
Current: 0.37

-0.86
0.84
ROC (Joel Greenblatt) (%) 187.59
PBIP's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2346 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 86.24 vs. PBIP: 187.59 )
PBIP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -148.21   Max: 323.53
Current: 187.59

-148.21
323.53
Revenue Growth (3Y)(%) -1.00
PBIP's Revenue Growth (3Y)(%) is ranked higher than
65% of the 2043 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. PBIP: -1.00 )
PBIP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 39
Current: -1

0
39
EBITDA Growth (3Y)(%) 117.80
PBIP's EBITDA Growth (3Y)(%) is ranked higher than
100% of the 1846 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBIP: 117.80 )
PBIP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 117.8
Current: 117.8

0
117.8
EPS Growth (3Y)(%) 171.40
PBIP's EPS Growth (3Y)(%) is ranked higher than
100% of the 1864 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. PBIP: 171.40 )
PBIP' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 171.4
Current: 171.4

0
171.4
» PBIP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

PBIP Guru Trades in Q1 2014

Michael Price 121,287 sh (+34.93%)
Jim Simons 127,886 sh (+23.93%)
» More
Q2 2014

PBIP Guru Trades in Q2 2014

Jim Simons 157,153 sh (+22.89%)
Michael Price 121,287 sh (unchged)
» More
Q3 2014

PBIP Guru Trades in Q3 2014

Jim Simons 174,008 sh (+10.73%)
Michael Price 121,287 sh (unchged)
» More
Q4 2014

PBIP Guru Trades in Q4 2014

Jim Simons 190,490 sh (+9.47%)
Michael Price 121,287 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with PBIP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 61.10
PBIP's P/E(ttm) is ranked higher than
59% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. PBIP: 61.10 )
PBIP' s 10-Year P/E(ttm) Range
Min: 5.42   Max: 112
Current: 61.1

5.42
112
Forward P/E 16.00
PBIP's Forward P/E is ranked higher than
69% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBIP: 16.00 )
N/A
PE(NRI) 62.40
PBIP's PE(NRI) is ranked higher than
64% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.70 vs. PBIP: 62.40 )
PBIP' s 10-Year PE(NRI) Range
Min: 5.42   Max: 115.23
Current: 62.4

5.42
115.23
P/B 0.90
PBIP's P/B is ranked higher than
79% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. PBIP: 0.90 )
PBIP' s 10-Year P/B Range
Min: 0.76   Max: 2.33
Current: 0.9

0.76
2.33
P/S 8.20
PBIP's P/S is ranked lower than
59% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.68 vs. PBIP: 8.20 )
PBIP' s 10-Year P/S Range
Min: 3.02   Max: 19.76
Current: 8.2

3.02
19.76
PFCF 12.80
PBIP's PFCF is ranked higher than
80% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBIP: 12.80 )
PBIP' s 10-Year PFCF Range
Min: 7.3   Max: 90.53
Current: 12.8

7.3
90.53
POCF 12.49
PBIP's POCF is ranked higher than
80% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 81.00 vs. PBIP: 12.49 )
PBIP' s 10-Year POCF Range
Min: 6.91   Max: 495.5
Current: 12.49

6.91
495.5
EV-to-EBIT 34.05
PBIP's EV-to-EBIT is ranked higher than
65% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.40 vs. PBIP: 34.05 )
PBIP' s 10-Year EV-to-EBIT Range
Min: -239.1   Max: 69.5
Current: 34.05

-239.1
69.5
Shiller P/E 69.40
PBIP's Shiller P/E is ranked higher than
77% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBIP: 69.40 )
PBIP' s 10-Year Shiller P/E Range
Min: 10.15   Max: 216.6
Current: 69.4

10.15
216.6
Days Sales Outstanding 46.47
PBIP's Days Sales Outstanding is ranked higher than
85% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBIP: 46.47 )
PBIP' s 10-Year Days Sales Outstanding Range
Min: 37.27   Max: 179.26
Current: 46.47

37.27
179.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
PBIP's Dividend Yield is ranked lower than
84% of the 2226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. PBIP: 0.90 )
PBIP' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.86
Current: 0.9

0.25
3.86
Dividend Payout 0.43
PBIP's Dividend Payout is ranked higher than
73% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. PBIP: 0.43 )
PBIP' s 10-Year Dividend Payout Range
Min: 0.02   Max: 2.27
Current: 0.43

0.02
2.27
Dividend growth (3y) -26.30
PBIP's Dividend growth (3y) is ranked higher than
60% of the 1338 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBIP: -26.30 )
PBIP' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 71
Current: -26.3

0
71
Yield on cost (5-Year) 0.90
PBIP's Yield on cost (5-Year) is ranked lower than
84% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. PBIP: 0.90 )
PBIP' s 10-Year Yield on cost (5-Year) Range
Min: 0.25   Max: 3.86
Current: 0.9

0.25
3.86
Share Buyback Rate 2.00
PBIP's Share Buyback Rate is ranked higher than
92% of the 1686 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. PBIP: 2.00 )
PBIP' s 10-Year Share Buyback Rate Range
Min: 0   Max: 1.2
Current: 2

0
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
PBIP's Price/Tangible Book is ranked higher than
86% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. PBIP: 1.00 )
PBIP' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 2.24
Current: 1

0.79
2.24
Price/DCF (Projected) 0.90
PBIP's Price/DCF (Projected) is ranked higher than
83% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBIP: 0.90 )
PBIP' s 10-Year Price/DCF (Projected) Range
Min: 0.71   Max: 2.03
Current: 0.9

0.71
2.03
Price/Median PS Value 1.10
PBIP's Price/Median PS Value is ranked higher than
76% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBIP: 1.10 )
PBIP' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 2.42
Current: 1.1

0.42
2.42
Price/Graham Number 1.60
PBIP's Price/Graham Number is ranked higher than
64% of the 3169 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PBIP: 1.60 )
PBIP' s 10-Year Price/Graham Number Range
Min: 0.93   Max: 4.37
Current: 1.6

0.93
4.37
Earnings Yield (Greenblatt) 2.90
PBIP's Earnings Yield (Greenblatt) is ranked higher than
53% of the 2352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PBIP: 2.90 )
PBIP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 766.3
Current: 2.9

1.4
766.3

Analyst Estimate

Sep15
EPS($) 0.72
EPS without NRI($) 0.72

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Prudential Bancorp Inc was incorporated in June 2013 in Pennsylvania. The Company is engaged in attracting deposits from the general public and using those funds to invest in loans and securities. Its main sources of funds are deposits, repayments of loans and mortgage-backed securities, maturities of investment securities and interest-bearing deposits, funds provided from operations and funds borrowed from the Federal Home Loan Bank of Pittsburgh. These funds are mainly used for the origination of various loan types including single-family residential mortgage loans, construction and land development loans, non-residential or commercial real estate mortgage loans, home equity loans and lines of credit, commercial business loans and consumer loans. It is an active originator of residential home mortgage loans in its market area. Traditionally, the Bank focused on originating long-term single-family residential mortgage loans for portfolio. The Companys main market area is Philadelphia, in particular South Philadelphia and Center City, as well as Delaware County. It also conducts business in Bucks, Chester and Montgomery Counties which, along with Delaware County, comprise the suburbs of Philadelphia. It faces competition in originating loans and attracting deposits.
» More Articles for PBIP

Headlines

Articles On GuruFocus.com
3 Stocks to Profit Like Bank Stock Activists Jun 11 2014 
Bore Yourself All the Way to the Bank Feb 19 2014 
Largest Insider Buys of the Past Week Oct 14 2013 
Prudential Bancorp Inc. of Pennsylvania (PBIP) President and CEO Thomas A Vento sells 6,500 Shares Mar 07 2011 
Prudential Bancorp Inc. of Pennsylvania Reports Operating Results (10-Q) Feb 14 2011 
Prudential Bancorp Inc. of Pennsylvania Reports Operating Results (10-K) Dec 23 2010 
Prudential Bancorp Inc. of Pennsylvania Reports Operating Results (10-Q) Aug 16 2010 
Prudential Bancorp Inc. of Pennsylvania (PBIP) Chairman of the Board Joseph W Jr Packer buys 1,000 S May 20 2010 
Prudential Bancorp Inc. of Pennsylvania Reports Operating Results (10-Q) May 17 2010 
Prudential Bancorp Inc. of Pennsylvania Reports Operating Results (10-Q) Feb 16 2010 

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