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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 0.47
PBSK's Cash to Debt is ranked lower than
73% of the 1456 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. PBSK: 0.47 )
Ranked among companies with meaningful Cash to Debt only.
PBSK' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.89 Max: N/A
Current: 0.47
Equity to Asset 0.16
PBSK's Equity to Asset is ranked higher than
87% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBSK: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
PBSK' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.16 Max: 0.2
Current: 0.16
0.1
0.2
Interest Coverage 1.40
PBSK's Interest Coverage is ranked lower than
55% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 vs. PBSK: 1.40 )
Ranked among companies with meaningful Interest Coverage only.
PBSK' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 0.61 Max: 1.88
Current: 1.4
0.26
1.88
F-Score: 3
M-Score: -2.72
WACC vs ROIC
2.98%
2.81%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 16.21
PBSK's Operating margin (%) is ranked lower than
81% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.90 vs. PBSK: 16.21 )
Ranked among companies with meaningful Operating margin (%) only.
PBSK' s Operating margin (%) Range Over the Past 10 Years
Min: 13.33  Med: 19.93 Max: 26
Current: 16.21
13.33
26
Net-margin (%) 10.60
PBSK's Net-margin (%) is ranked lower than
82% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.30 vs. PBSK: 10.60 )
Ranked among companies with meaningful Net-margin (%) only.
PBSK' s Net-margin (%) Range Over the Past 10 Years
Min: 10.01  Med: 16.45 Max: 19.41
Current: 10.6
10.01
19.41
ROE (%) 2.87
PBSK's ROE (%) is ranked lower than
85% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. PBSK: 2.87 )
Ranked among companies with meaningful ROE (%) only.
PBSK' s ROE (%) Range Over the Past 10 Years
Min: 0.08  Med: 3.64 Max: 8.01
Current: 2.87
0.08
8.01
ROA (%) 0.47
PBSK's ROA (%) is ranked lower than
74% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. PBSK: 0.47 )
Ranked among companies with meaningful ROA (%) only.
PBSK' s ROA (%) Range Over the Past 10 Years
Min: 0.47  Med: 0.52 Max: 0.77
Current: 0.47
0.47
0.77
Revenue Growth (3Y)(%) 17.80
PBSK's Revenue Growth (3Y)(%) is ranked higher than
88% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. PBSK: 17.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBSK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.9 Max: 20.9
Current: 17.8
0
20.9
EBITDA Growth (3Y)(%) 24.80
PBSK's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. PBSK: 24.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBSK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.9 Max: 24.8
Current: 24.8
0
24.8
EPS Growth (3Y)(%) 19.50
PBSK's EPS Growth (3Y)(%) is ranked higher than
78% of the 1206 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBSK: 19.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBSK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.75 Max: 273.3
Current: 19.5
0
273.3
» PBSK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2015

PBSK Guru Trades in Q3 2015

First Pacific Advisors 116,447 sh (unchged)
Keeley Asset Management Corp 11,832 sh (unchged)
» More
Q4 2015

PBSK Guru Trades in Q4 2015

First Pacific Advisors 116,447 sh (unchged)
Keeley Asset Management Corp 11,832 sh (unchged)
» More
Q1 2016

PBSK Guru Trades in Q1 2016

Keeley Asset Management Corp 11,873 sh (+0.35%)
First Pacific Advisors 78,627 sh (-32.48%)
» More
Q2 2016

PBSK Guru Trades in Q2 2016

Keeley Asset Management Corp 11,918 sh (+0.38%)
First Pacific Advisors Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with PBSK

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

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:AMEX:BKJ, NAS:KFFB, NAS:PBBI, OTCPK:SFDL, NAS:IROQ, OTCPK:GRRB, NAS:HMNF, NAS:ANCB, NAS:UCBA, NAS:HFBC, OTCBB:NIDB, NAS:MSBF, NAS:LSBK, OTCBB:NWIN, OTCPK:VLLX, NAS:JXSB, NAS:FCLF, NAS:PBHC, NAS:BYFC, NAS:FSBK » details
Poage Bankshares Inc is a holding company for Town Square Bank. Its business consists of attracting retail deposits from the general public and investing those deposits in one- to four-family residential mortgage loans and commercial loans.

Poage Bankshares Inc is incorporated in the State of Maryland. It is a holding company for Town Square Bank. Home Federal is a federal savings and loan association headquartered in Ashland, Kentucky. Town Square's business consists of accepting savings accounts and certificates of deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in first lien one- to four-family mortgage loans and, to a lesser extent, commercial and multi-family real estate loans, consumer loans, consisting of automobile loans and home equity loans and lines of credit, and construction loans. Town Square also purchases investment securities consisting of mortgage-backed securities issued by United States Government agencies and government-sponsored enterprises, and obligations of state and political subdivisions. Town Square offers a variety of deposit accounts, including passbook accounts, NOW and demand accounts, certificates of deposits, money market accounts and retirement accounts. Town Square provides financial services to individuals, families and businesses through its banking offices located in and around Ashland and Nicholasville, Kentucky. Its lending activity 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 of automobile loans, home equity loans and lines of credit, and construction loans. Its lending markets are in Boyd, Greenup, Lawrence and Jessamine Counties in Kentucky, and Lawrence and Scioto Counties in Ohio. The Company's retail deposit market includes the areas surrounding eight offices in northeastern Kentucky, including its main office in Ashland and branch offices in Flatwoods, Greenup, Louisa, South Shore, Catlettsburg, Cannonsburg and Nicholasville. It also operates an automated teller machine at each of its offices and has a loan production office in the Cincinnati, Ohio area. Its market area includes both rural and urban communities. The Company competes with national financial institutions, as well as numerous state chartered banking institutions of comparable or larger size and resources, smaller community banking organizations and a variety of nonbank competitors. It competes for deposits with other commercial banks, savings associations and credit unions and with the issuers of commercial paper and other securities, such as shares in money market mutual funds. The Company is subject to various regulatory capital requirements administered by its primary federal regulator, the OCC.

Ratios

vs
industry
vs
history
P/E(ttm) 33.16
PBSK's P/E(ttm) is ranked lower than
91% of the 1491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. PBSK: 33.16 )
Ranked among companies with meaningful P/E(ttm) only.
PBSK' s P/E(ttm) Range Over the Past 10 Years
Min: 13.57  Med: 28 Max: 184.38
Current: 33.16
13.57
184.38
PE(NRI) 33.16
PBSK's PE(NRI) is ranked lower than
91% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.36 vs. PBSK: 33.16 )
Ranked among companies with meaningful PE(NRI) only.
PBSK' s PE(NRI) Range Over the Past 10 Years
Min: 13.57  Med: 28 Max: 184.38
Current: 33.16
13.57
184.38
Price/Owner Earnings (ttm) 19.97
PBSK's Price/Owner Earnings (ttm) is ranked lower than
77% of the 838 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.83 vs. PBSK: 19.97 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PBSK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 10.55  Med: 16.98 Max: 41.9
Current: 19.97
10.55
41.9
P/B 0.99
PBSK's P/B is ranked higher than
55% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. PBSK: 0.99 )
Ranked among companies with meaningful P/B only.
PBSK' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 0.84 Max: 0.99
Current: 0.99
0.61
0.99
P/S 3.44
PBSK's P/S is ranked lower than
59% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. PBSK: 3.44 )
Ranked among companies with meaningful P/S only.
PBSK' s P/S Range Over the Past 10 Years
Min: 2.51  Med: 3.46 Max: 4.33
Current: 3.44
2.51
4.33
PFCF 18.22
PBSK's PFCF is ranked lower than
77% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. PBSK: 18.22 )
Ranked among companies with meaningful PFCF only.
PBSK' s PFCF Range Over the Past 10 Years
Min: 9.32  Med: 12.72 Max: 109.85
Current: 18.22
9.32
109.85
POCF 15.18
PBSK's POCF is ranked lower than
77% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.12 vs. PBSK: 15.18 )
Ranked among companies with meaningful POCF only.
PBSK' s POCF Range Over the Past 10 Years
Min: 8.34  Med: 11.64 Max: 21.12
Current: 15.18
8.34
21.12
EV-to-EBIT 27.20
PBSK's EV-to-EBIT is ranked lower than
82% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.74 vs. PBSK: 27.20 )
Ranked among companies with meaningful EV-to-EBIT only.
PBSK' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 18.4 Max: 107.6
Current: 27.2
4.7
107.6
EV-to-EBITDA 19.34
PBSK's EV-to-EBITDA is ranked lower than
75% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. PBSK: 19.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBSK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.9  Med: 15.5 Max: 51.2
Current: 19.34
3.9
51.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
PBSK's Dividend Yield is ranked lower than
82% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. PBSK: 1.40 )
Ranked among companies with meaningful Dividend Yield only.
PBSK' s Dividend Yield Range Over the Past 10 Years
Min: 0.31  Med: 1.28 Max: 1.52
Current: 1.4
0.31
1.52
Dividend Payout 0.43
PBSK's Dividend Payout is ranked lower than
67% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. PBSK: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
PBSK' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.29 Max: 0.67
Current: 0.43
0.13
0.67
Dividend Growth (3y) 24.20
PBSK's Dividend Growth (3y) is ranked higher than
78% of the 733 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. PBSK: 24.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
PBSK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 24.2
Current: 24.2
0
24.2
Forward Dividend Yield 1.72
PBSK's Forward Dividend Yield is ranked lower than
80% of the 2090 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. PBSK: 1.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.40
PBSK's Yield on cost (5-Year) is ranked lower than
83% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.48 vs. PBSK: 1.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PBSK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.31  Med: 1.28 Max: 1.52
Current: 1.4
0.31
1.52
3-Year Average Share Buyback Ratio -4.90
PBSK's 3-Year Average Share Buyback Ratio is ranked lower than
62% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PBSK: -4.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PBSK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.9  Med: -2.4 Max: 0
Current: -4.9
-4.9
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
PBSK's Price/Tangible Book is ranked higher than
56% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. PBSK: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
PBSK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.62  Med: 0.86 Max: 1.03
Current: 1.03
0.62
1.03
Price/Projected FCF 0.80
PBSK's Price/Projected FCF is ranked lower than
66% of the 847 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. PBSK: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
PBSK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.72  Med: 0.74 Max: 0.8
Current: 0.8
0.72
0.8
Price/Median PS Value 0.99
PBSK's Price/Median PS Value is ranked higher than
58% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. PBSK: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
PBSK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.73  Med: 1 Max: 1.24
Current: 0.99
0.73
1.24
Price/Peter Lynch Fair Value 2.09
PBSK's Price/Peter Lynch Fair Value is ranked lower than
86% of the 389 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. PBSK: 2.09 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PBSK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.66  Med: 0.94 Max: 2.09
Current: 2.09
0.66
2.09
Price/Graham Number 1.23
PBSK's Price/Graham Number is ranked lower than
80% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. PBSK: 1.23 )
Ranked among companies with meaningful Price/Graham Number only.
PBSK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.74  Med: 0.99 Max: 2.71
Current: 1.23
0.74
2.71
Earnings Yield (Greenblatt) (%) 3.70
PBSK's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. PBSK: 3.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBSK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 5.4 Max: 21.4
Current: 3.7
0.9
21.4
Forward Rate of Return (Yacktman) (%) 21.34
PBSK's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.00 vs. PBSK: 21.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PBSK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 21.3  Med: 26.25 Max: 29.4
Current: 21.34
21.3
29.4

More Statistics

Revenue (TTM) (Mil) $19.46
EPS (TTM) $ 0.56
Beta-0.02
Short Percentage of Float0.37%
52-Week Range $15.43 - 18.85
Shares Outstanding (Mil)3.78
» More Articles for PBSK

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