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15.05 (1y: +25%)
Market Cap 48.93 M P/E(ttm) 33.60
Enterprise Value 64.53 M P/B 0.84
PBSK- NAS (USA)
Poage Bankshares, Inc.
Not Rated
Top Ranked Predictable Companies
$15.05
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt No Debt
PBSK's Cash to Debt is ranked higher than
52% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 2.14 vs. PBSK: No Debt )
PBSK' s 10-Year Cash to Debt Range
Min: 0.48   Max: No Debt
Current: No Debt
Interest Coverage No Debt
PBSK's Interest Coverage is ranked higher than
97% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 251.25 vs. PBSK: No Debt )
PBSK' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.41
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 16.00
PBSK's Operating margin (%) is ranked lower than
77% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 3.45 vs. PBSK: 16.00 )
PBSK' s 10-Year Operating margin (%) Range
Min: 16   Max: 25.2
Current: 16
16
25.2
Net-margin (%) 12.6
PBSK's Net-margin (%) is ranked lower than
76% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 2.30 vs. PBSK: 12.6 )
PBSK' s 10-Year Net-margin (%) Range
Min: 12.6   Max: 19.4
Current: 12.6
12.6
19.4
ยป PBSK's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

PBSK Guru Trades in Q2 2012

First Pacific Advisors 120,404 sh (+2317.27%)
» More
Q3 2012

PBSK Guru Trades in Q3 2012

First Pacific Advisors 120,404 sh (unchged)
» More
Q4 2012

PBSK Guru Trades in Q4 2012

First Pacific Advisors 120,404 sh (unchged)
» More
Q1 2013

PBSK Guru Trades in Q1 2013

First Pacific Advisors 120,404 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with PBSK



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 33.70
PBSK's P/E(ttm) is ranked lower than
64% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 15.99 vs. PBSK: 33.70 )
PBSK' s 10-Year P/E(ttm) Range
Min: 20.98   Max: 58.45
Current: 33.7
20.98
58.45
P/S 4.26
PBSK's P/S is ranked lower than
78% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 0.81 vs. PBSK: 4.26 )
PBSK' s 10-Year P/S Range
Min: 3.39   Max: 13.44
Current: 4.26
3.39
13.44
PFCF 12.70
PBSK's PFCF is ranked higher than
59% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 13.49 vs. PBSK: 12.70 )
PBSK' s 10-Year PFCF Range
Min: 9.69   Max: 40.96
Current: 12.7
9.69
40.96
EV-to-EBIT 37
PBSK's EV-to-EBIT is ranked higher than
95% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 16.11 vs. PBSK: 37 )
PBSK' s 10-Year EV-to-EBIT Range
Min: 11.3   Max: 24.7
Current: 37
11.3
24.7

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.06
PBSK's Dividend Yield is ranked higher than
58% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 1.72 vs. PBSK: 1.06 )
PBSK' s 10-Year Dividend Yield Range
Min: 0.31   Max: 1.3
Current: 1.06
0.31
1.3
Dividend Payout 0.3541
PBSK's Dividend Payout is ranked higher than
52% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 0.73 vs. PBSK: 0.3541 )
PBSK' s 10-Year Dividend Payout Range
Min: 0.24   Max: 0.35
Current: 0.35
0.24
0.35
Yield on cost (5-Year) 1.10
PBSK's Yield on cost (5-Year) is ranked higher than
61% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 1.62 vs. PBSK: 1.10 )
PBSK' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 1.3
Current: 1.1
0.31
1.3

Valuation & Return

vs
industry		 vs
history
Price/Median PS Value 1
PBSK's Price/Median PS Value is ranked lower than
62% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 0.80 vs. PBSK: 1 )
PBSK' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 0.8
Current: 1
Earnings Yield (Greenblatt) 2.70
PBSK's Earnings Yield (Greenblatt) is ranked higher than
52% of the 195 Companies
in the Global Conglomerates industry.

( Industry Median: 5.40 vs. PBSK: 2.70 )
PBSK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 8.9
Current: 2.7
2.7
8.9

Business Description

Poage Bankshares is a newly formed Maryland corporation that owns all of the outstanding shares of Home Federal. Its principal business consists of attracting retail deposits from the general public in market area and investing those deposits, together with funds generated from operations, and to a lesser extent, borrowings, in one- to four-family residential mortgage loans and, to a lesser extent, commercial and multi-family real estate loans, consumer loans, consisting primarily of automobile loans, home equity loans and lines of credit, and construction loans. The company also purchases investment securities consisting primarily of securities issued by United States Government agencies and government sponsored entities, including obligations of state and political subdivisions and mortgage-backed securities. Its revenues are derived principally from the interest on loans and securities, loan origination fees, deposit fees and, going forward, sales of fixed-rate residential mortgages to the Federal Home Loan Bank of Cincinnati, loan servicing fees and fees levied on deposit accounts. The company's lending markets are in Boyd, Greenup and Lawrence Counties in Kentucky, and Lawrence and Scioto Counties in Ohio. The principal lending activity of Home Federal has been the origination of first lien one- to four-family residential mortgage loans and, to a lesser extent, commercial and multi-family real estate loans, consumer loans, consisting primarily of automobile loans, home equity loans and lines of credit, and construction loans.
Company Website
SEC Reports
Industry: Conglomerates
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