Switch to:

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 0.74
PBNY's Cash to Debt is ranked higher than
70% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBNY: 0.74 )
PBNY' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.74

Equity to Asset 0.14
PBNY's Equity to Asset is ranked higher than
86% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBNY: 0.14 )
PBNY' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.2
Current: 0.14

0.07
0.2
Interest Coverage 1.84
PBNY's Interest Coverage is ranked higher than
76% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. PBNY: 1.84 )
PBNY' s 10-Year Interest Coverage Range
Min: 0.27   Max: 1.84
Current: 1.84

0.27
1.84
F-Score: 4
Z-Score: 0.16
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 : 5/10

vs
industry
vs
history
Operating margin (%) 26.22
PBNY's Operating margin (%) is ranked higher than
68% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. PBNY: 26.22 )
PBNY' s 10-Year Operating margin (%) Range
Min: 12   Max: 31.83
Current: 26.22

12
31.83
Net-margin (%) 18.06
PBNY's Net-margin (%) is ranked higher than
67% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.57 vs. PBNY: 18.06 )
PBNY' s 10-Year Net-margin (%) Range
Min: 9.68   Max: 20.47
Current: 18.06

9.68
20.47
ROE (%) 5.23
PBNY's ROE (%) is ranked higher than
62% of the 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.99 vs. PBNY: 5.23 )
PBNY' s 10-Year ROE (%) Range
Min: 2.72   Max: 9.55
Current: 5.23

2.72
9.55
ROA (%) 0.62
PBNY's ROA (%) is ranked higher than
66% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. PBNY: 0.62 )
PBNY' s 10-Year ROA (%) Range
Min: 0.37   Max: 0.96
Current: 0.62

0.37
0.96
ROC (Joel Greenblatt) (%) 100.41
PBNY's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. PBNY: 100.41 )
PBNY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.84   Max: 151.07
Current: 100.41

7.84
151.07
Revenue Growth (%) 0.30
PBNY's Revenue Growth (%) is ranked higher than
71% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. PBNY: 0.30 )
PBNY' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 21.2
Current: 0.3

0
21.2
EBITDA Growth (%) 2.20
PBNY's EBITDA Growth (%) is ranked higher than
65% of the 1124 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. PBNY: 2.20 )
PBNY' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 32.3
Current: 2.2

0
32.3
EPS Growth (%) 2.40
PBNY's EPS Growth (%) is ranked higher than
65% of the 1103 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.50 vs. PBNY: 2.40 )
PBNY' s 10-Year EPS Growth (%) Range
Min: 0   Max: 46
Current: 2.4

0
46
» PBNY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

PBNY Guru Trades in Q1 2013

Columbia Wanger 1,292,000 sh (unchged)
Prem Watsa 25,000 sh (unchged)
Irving Kahn 1,085,341 sh (-0.31%)
Private Capital 62,500 sh (-2.5%)
» More
Q2 2013

PBNY Guru Trades in Q2 2013

Irving Kahn 1,139,040 sh (+4.95%)
Columbia Wanger 787,000 sh (-39.09%)
» More
Q3 2013

PBNY Guru Trades in Q3 2013

Irving Kahn 1,139,040 sh (unchged)
Columbia Wanger Sold Out
» More
Q4 2013

PBNY Guru Trades in Q4 2013

Steven Cohen 10,827 sh (New)
Diamond Hill Capital 887,694 sh (New)
Private Capital 257,647 sh (New)
Prem Watsa 25,000 sh (New)
Jim Simons 344,957 sh (New)
Mario Gabelli 997,404 sh (New)
Irving Kahn 1,132,740 sh (-0.55%)
» More
» Details

Insider Trades

Latest Guru Trades with PBNY

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mario Gabelli 2013-12-31 New Buy0.07%$10.8 - $13.47 $ 11.72-4%997404
Prem Watsa 2013-12-31 New Buy0.03%$10.8 - $13.47 $ 11.72-4%25000
Prem Watsa 2012-06-30 New Buy0.01%$7.26 - $8.75 $ 11.7248%25000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 52.80
PBNY's P/E(ttm) is ranked lower than
65% of the 1451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.60 vs. PBNY: 52.80 )
PBNY' s 10-Year P/E(ttm) Range
Min: 11.3   Max: 60.32
Current: 52.8

11.3
60.32
P/B 1.06
PBNY's P/B is ranked higher than
67% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBNY: 1.06 )
PBNY' s 10-Year P/B Range
Min: 0.5   Max: 3.4
Current: 1.06

0.5
3.4
P/S 3.94
PBNY's P/S is ranked lower than
65% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. PBNY: 3.94 )
PBNY' s 10-Year P/S Range
Min: 1.78   Max: 7.12
Current: 3.94

1.78
7.12
PFCF 13.63
PBNY's PFCF is ranked lower than
65% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. PBNY: 13.63 )
PBNY' s 10-Year PFCF Range
Min: 7.59   Max: 562.5
Current: 13.63

7.59
562.5
EV-to-EBIT 221.23
PBNY's EV-to-EBIT is ranked lower than
76% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.51 vs. PBNY: 221.23 )
PBNY' s 10-Year EV-to-EBIT Range
Min: 5.9   Max: 177.2
Current: 221.23

5.9
177.2
Shiller P/E 23.03
PBNY's Shiller P/E is ranked lower than
52% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.71 vs. PBNY: 23.03 )
PBNY' s 10-Year Shiller P/E Range
Min: 10.45   Max: 50.93
Current: 23.03

10.45
50.93

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.01
PBNY's Dividend Yield is ranked lower than
57% of the 1312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. PBNY: 2.01 )
PBNY' s 10-Year Dividend Yield Range
Min: 1.13   Max: 4.17
Current: 2.01

1.13
4.17
Dividend Payout 2.86
PBNY's Dividend Payout is ranked lower than
71% of the 1147 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.31 vs. PBNY: 2.86 )
PBNY' s 10-Year Dividend Payout Range
Min: 0.12   Max: 1.2
Current: 2.86

0.12
1.2
Yield on cost (5-Year) 2.03
PBNY's Yield on cost (5-Year) is ranked lower than
59% of the 1327 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. PBNY: 2.03 )
PBNY' s 10-Year Yield on cost (5-Year) Range
Min: 1.13   Max: 4.17
Current: 2.03

1.13
4.17
Share Buyback Rate -4.70
PBNY's Share Buyback Rate is ranked higher than
64% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.70 vs. PBNY: -4.70 )
PBNY' s 10-Year Share Buyback Rate Range
Min: 0   Max: -7.8
Current: -4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.00
PBNY's Price/Tangible Book is ranked lower than
59% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PBNY: 2.00 )
PBNY' s 10-Year Price/Tangible Book Range
Min: 0.83   Max: 3.52
Current: 2

0.83
3.52
Price/DCF (Projected) 0.90
PBNY's Price/DCF (Projected) is ranked lower than
54% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. PBNY: 0.90 )
PBNY' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.17
Current: 0.9

0.39
1.17
Price/Median PS Value 0.90
PBNY's Price/Median PS Value is ranked higher than
82% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. PBNY: 0.90 )
PBNY' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 1.69
Current: 0.9

0.44
1.69
Price/Graham Number 4.60
PBNY's Price/Graham Number is ranked lower than
71% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. PBNY: 4.60 )
PBNY' s 10-Year Price/Graham Number Range
Min: 0.81   Max: 5.22
Current: 4.6

0.81
5.22
Earnings Yield (Greenblatt) 0.50
PBNY's Earnings Yield (Greenblatt) is ranked lower than
65% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PBNY: 0.50 )
PBNY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 16.9
Current: 0.5

0.5
16.9
Forward Rate of Return (Yacktman) -6.85
PBNY's Forward Rate of Return (Yacktman) is ranked lower than
52% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. PBNY: -6.85 )
PBNY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.7   Max: 30.9
Current: -6.85

-6.7
30.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Provident New York Bancorp, a Delaware corporation is a unitary savings and loan holding company. It operates as a bank holding company for Provident Bank. Provident Bank is a full-service bank which offers a complete line of commercial, business banking, wealth management and consumer banking products and services. Its main business is accepting deposits and together with funds generated from operations and borrowings, investing in various types of loans and securities. The Company operates 35 financial centers which serve the greater New York metropolitan area. It operates commercial real estate loans, multifamily real estate and commercial business loans. It also originates residential mortgage loans on a fixed-rate and adjustable-rate basis collateralized by residential real estate and consumer loans such as home equity lines of credit, homeowner loans and personal loans. Deposits, borrowings, repayments and prepayments of loans and securities, proceeds from sales of loans and securities, the proceeds from maturing securities and cash flows from operations are the primary sources of the Company's funds for use in lending, investing and for other general corporate purposes. The Company offers a variety of deposit accounts with a range of interest rates and terms. Its deposit accounts consist of savings accounts, NOW accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs and other qualified plan accounts. It provides a variety of commercial checking accounts and other products for businesses. The competition for loans comes from commercial banks, savings banks, mortgage banking companies, credit unions, insurance companies and other financial service companies. The Company faces additional competition for deposits from non-depository competitors such as the mutual fund industry, securities and brokerage firms and insurance companies. It is supervised and regulated by the Board of Governors of the Federal Reserve System.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide