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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 210.94
PBIP's Cash to Debt is ranked higher than
67% of the 980 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.53 vs. PBIP: 210.94 )
Ranked among companies with meaningful Cash to Debt only.
PBIP' s 10-Year Cash to Debt Range
Min: 0.2  Med: 4.16 Max: N/A
Current: 210.94
Equity to Asset 0.25
PBIP's Equity to Asset is ranked higher than
93% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBIP: 0.25 )
Ranked among companies with meaningful Equity to Asset only.
PBIP' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.14 Max: 0.25
Current: 0.25
0.1
0.25
Interest Coverage 0.73
PBIP's Interest Coverage is ranked lower than
71% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. PBIP: 0.73 )
Ranked among companies with meaningful Interest Coverage only.
PBIP' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.52 Max: 0.79
Current: 0.73
0.32
0.79
F-Score: 6
WACC vs ROIC
3.81%
3.36%
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 (%) 21.78
PBIP's Operating margin (%) is ranked lower than
69% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.01 vs. PBIP: 21.78 )
Ranked among companies with meaningful Operating margin (%) only.
PBIP' s 10-Year Operating margin (%) Range
Min: -767.6  Med: 23.82 Max: 42.75
Current: 21.78
-767.6
42.75
Net-margin (%) 18.87
PBIP's Net-margin (%) is ranked lower than
60% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.75 vs. PBIP: 18.87 )
Ranked among companies with meaningful Net-margin (%) only.
PBIP' s 10-Year Net-margin (%) Range
Min: -63.84  Med: 22.30 Max: 326.87
Current: 18.87
-63.84
326.87
ROE (%) 2.39
PBIP's ROE (%) is ranked lower than
85% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. PBIP: 2.39 )
Ranked among companies with meaningful ROE (%) only.
PBIP' s 10-Year ROE (%) Range
Min: -5.53  Med: 4.36 Max: 7.51
Current: 2.39
-5.53
7.51
ROA (%) 0.59
PBIP's ROA (%) is ranked lower than
66% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. PBIP: 0.59 )
Ranked among companies with meaningful ROA (%) only.
PBIP' s 10-Year ROA (%) Range
Min: -0.86  Med: 0.61 Max: 0.84
Current: 0.59
-0.86
0.84
ROC (Joel Greenblatt) (%) 257.76
PBIP's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.67 vs. PBIP: 257.76 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PBIP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -148.21  Med: 172.97 Max: 323.53
Current: 257.76
-148.21
323.53
Revenue Growth (3Y)(%) -1.00
PBIP's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1186 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. PBIP: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBIP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -0.20 Max: 39
Current: -1
0
39
EBITDA Growth (3Y)(%) 117.80
PBIP's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 1046 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. PBIP: 117.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBIP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -2.25 Max: 117.8
Current: 117.8
0
117.8
EPS Growth (3Y)(%) 171.40
PBIP's EPS Growth (3Y)(%) is ranked higher than
99% of the 1055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. PBIP: 171.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBIP' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -8.40 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

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
Q1 2015

PBIP Guru Trades in Q1 2015

Jim Simons 209,590 sh (+10.03%)
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) 44.20
PBIP's P/E(ttm) is ranked lower than
93% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. PBIP: 44.20 )
Ranked among companies with meaningful P/E(ttm) only.
PBIP' s 10-Year P/E(ttm) Range
Min: 5.42  Med: 41.30 Max: 112
Current: 44.2
5.42
112
Forward P/E 16.00
PBIP's Forward P/E is ranked lower than
83% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.18 vs. PBIP: 16.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 44.60
PBIP's PE(NRI) is ranked lower than
93% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. PBIP: 44.60 )
Ranked among companies with meaningful PE(NRI) only.
PBIP' s 10-Year PE(NRI) Range
Min: 5.42  Med: 41.35 Max: 115.23
Current: 44.6
5.42
115.23
P/B 1.06
PBIP's P/B is ranked higher than
53% of the 1359 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBIP: 1.06 )
Ranked among companies with meaningful P/B only.
PBIP' s 10-Year P/B Range
Min: 0.76  Med: 1.56 Max: 2.33
Current: 1.06
0.76
2.33
P/S 8.41
PBIP's P/S is ranked lower than
93% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. PBIP: 8.41 )
Ranked among companies with meaningful P/S only.
PBIP' s 10-Year P/S Range
Min: 3.02  Med: 7.72 Max: 19.76
Current: 8.41
3.02
19.76
PFCF 38.71
PBIP's PFCF is ranked lower than
90% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.28 vs. PBIP: 38.71 )
Ranked among companies with meaningful PFCF only.
PBIP' s 10-Year PFCF Range
Min: 7.3  Med: 31.10 Max: 90.53
Current: 38.71
7.3
90.53
POCF 35.88
PBIP's POCF is ranked lower than
93% of the 923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. PBIP: 35.88 )
Ranked among companies with meaningful POCF only.
PBIP' s 10-Year POCF Range
Min: 6.91  Med: 29.94 Max: 495.5
Current: 35.88
6.91
495.5
EV-to-EBIT 30.78
PBIP's EV-to-EBIT is ranked lower than
84% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.91 vs. PBIP: 30.78 )
Ranked among companies with meaningful EV-to-EBIT only.
PBIP' s 10-Year EV-to-EBIT Range
Min: -239.1  Med: 12.70 Max: 69.5
Current: 30.78
-239.1
69.5
Shiller P/E 65.99
PBIP's Shiller P/E is ranked lower than
95% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.77 vs. PBIP: 65.99 )
Ranked among companies with meaningful Shiller P/E only.
PBIP' s 10-Year Shiller P/E Range
Min: 10.15  Med: 68.27 Max: 216.6
Current: 65.99
10.15
216.6
Days Sales Outstanding 39.80
PBIP's Days Sales Outstanding is ranked lower than
58% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.80 vs. PBIP: 39.80 )
Ranked among companies with meaningful Days Sales Outstanding only.
PBIP' s 10-Year Days Sales Outstanding Range
Min: 37.27  Med: 84.44 Max: 179.26
Current: 39.8
37.27
179.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.82
PBIP's Dividend Yield is ranked lower than
92% of the 2216 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. PBIP: 0.82 )
Ranked among companies with meaningful Dividend Yield only.
PBIP' s 10-Year Dividend Yield Range
Min: 0.25  Med: 1.61 Max: 3.86
Current: 0.82
0.25
3.86
Dividend Payout 0.37
PBIP's Dividend Payout is ranked lower than
55% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. PBIP: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
PBIP' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.50 Max: 2.27
Current: 0.37
0.02
2.27
Dividend growth (3y) -26.30
PBIP's Dividend growth (3y) is ranked lower than
87% of the 664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. PBIP: -26.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
PBIP' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -100.00 Max: 71
Current: -26.3
0
71
Yield on cost (5-Year) 0.81
PBIP's Yield on cost (5-Year) is ranked lower than
91% of the 2229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. PBIP: 0.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PBIP' s 10-Year Yield on cost (5-Year) Range
Min: 0.25  Med: 1.61 Max: 3.86
Current: 0.81
0.25
3.86
Share Buyback Rate 2.00
PBIP's Share Buyback Rate is ranked higher than
91% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PBIP: 2.00 )
Ranked among companies with meaningful Share Buyback Rate only.
PBIP' s 10-Year Share Buyback Rate Range
Min: 0  Med: 4.90 Max: 1.2
Current: 2
0
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
PBIP's Price/Tangible Book is ranked higher than
58% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PBIP: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
PBIP' s 10-Year Price/Tangible Book Range
Min: 0.79  Med: 1.56 Max: 2.24
Current: 1.06
0.79
2.24
Price/Projected FCF 1.16
PBIP's Price/Projected FCF is ranked lower than
81% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. PBIP: 1.16 )
Ranked among companies with meaningful Price/Projected FCF only.
PBIP' s 10-Year Price/Projected FCF Range
Min: 0.71  Med: 0.99 Max: 2.06
Current: 1.16
0.71
2.06
Price/Median PS Value 1.09
PBIP's Price/Median PS Value is ranked higher than
50% of the 1195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. PBIP: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
PBIP' s 10-Year Price/Median PS Value Range
Min: 0.42  Med: 1.00 Max: 2.42
Current: 1.09
0.42
2.42
Price/Graham Number 1.44
PBIP's Price/Graham Number is ranked lower than
86% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PBIP: 1.44 )
Ranked among companies with meaningful Price/Graham Number only.
PBIP' s 10-Year Price/Graham Number Range
Min: 0.93  Med: 1.67 Max: 4.37
Current: 1.44
0.93
4.37
Earnings Yield (Greenblatt) (%) 3.20
PBIP's Earnings Yield (Greenblatt) (%) is ranked lower than
76% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PBIP: 3.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBIP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.4  Med: 3.60 Max: 766.3
Current: 3.2
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 

More From Other Websites
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Prudential Bancorp, Inc. Announces Hiring of New Business Development Officer at Bank Subsidiary Jul 01 2015
Prudential Bancorp, Inc. Announces Appointment of Jack Rothkopf as New Chief Financial Officer Jun 29 2015
Prudential Bancorp, Inc. Announces Appointment of Jack Rothkopf as New Chief Financial Officer Jun 17 2015
Prudential Bancorp, Inc. Announces Declaration of Regular Quarterly Cash Dividend Plus Special... Jun 04 2015
Prudential Bancorp, Inc. President and Chief Executive Officer Thomas A. Vento Announces Retirement;... Jun 04 2015
Prudential Bancorp, Inc. Announces Declaration of Regular Quarterly Cash Dividend Plus Special... May 20 2015
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Prudential Bancorp posts 2Q profit May 04 2015
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Prudential Bancorp, Inc. Announces Second Quarter Fiscal 2015 Results May 04 2015
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