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 0.82
PBSK's Cash to Debt is ranked higher than
67% of the 1734 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.88 vs. PBSK: 0.82 )
PBSK' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.82

Equity to Asset 0.16
PBSK's Equity to Asset is ranked higher than
93% of the 2241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PBSK: 0.16 )
PBSK' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.2
Current: 0.16

0.1
0.2
Interest Coverage 1.31
PBSK's Interest Coverage is ranked higher than
68% of the 2151 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. PBSK: 1.31 )
PBSK' s 10-Year Interest Coverage Range
Min: 0.26   Max: 1.31
Current: 1.31

0.26
1.31
F-Score: 6
Z-Score: 0.29
WACC vs ROIC
5.64%
2.48%
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 (%) 13.54
PBSK's Operating margin (%) is ranked higher than
54% of the 2344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.14 vs. PBSK: 13.54 )
PBSK' s 10-Year Operating margin (%) Range
Min: 18.02   Max: 26
Current: 13.54

18.02
26
Net-margin (%) 10.17
PBSK's Net-margin (%) is ranked higher than
54% of the 2344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.16 vs. PBSK: 10.17 )
PBSK' s 10-Year Net-margin (%) Range
Min: 14.33   Max: 19.41
Current: 10.17

14.33
19.41
ROE (%) 2.84
PBSK's ROE (%) is ranked higher than
53% of the 2347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. PBSK: 2.84 )
PBSK' s 10-Year ROE (%) Range
Min: 2.65   Max: 8.01
Current: 2.84

2.65
8.01
ROA (%) 0.47
PBSK's ROA (%) is ranked higher than
59% of the 2356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. PBSK: 0.47 )
PBSK' s 10-Year ROA (%) Range
Min: 0.49   Max: 0.77
Current: 0.47

0.49
0.77
ROC (Joel Greenblatt) (%) 30.38
PBSK's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2318 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 87.69 vs. PBSK: 30.38 )
PBSK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 27.61   Max: 88.01
Current: 30.38

27.61
88.01
» PBSK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

PBSK Guru Trades in Q1 2014

First Pacific Advisors 116,447 sh (-2.08%)
» More
Q2 2014

PBSK Guru Trades in Q2 2014

First Pacific Advisors 116,447 sh (unchged)
» More
Q3 2014

PBSK Guru Trades in Q3 2014

First Pacific Advisors 116,447 sh (unchged)
» More
Q4 2014

PBSK Guru Trades in Q4 2014

First Pacific Advisors 116,447 sh (unchged)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 31.10
PBSK's P/E(ttm) is ranked higher than
61% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.90 vs. PBSK: 31.10 )
PBSK' s 10-Year P/E(ttm) Range
Min: 19.39   Max: 156.91
Current: 31.1

19.39
156.91
PE(NRI) 31.00
PBSK's PE(NRI) is ranked higher than
67% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.80 vs. PBSK: 31.00 )
PBSK' s 10-Year PE(NRI) Range
Min: 19.5   Max: 184.38
Current: 31

19.5
184.38
P/B 0.90
PBSK's P/B is ranked higher than
85% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. PBSK: 0.90 )
PBSK' s 10-Year P/B Range
Min: 0.61   Max: 0.96
Current: 0.9

0.61
0.96
P/S 2.92
PBSK's P/S is ranked higher than
68% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.81 vs. PBSK: 2.92 )
PBSK' s 10-Year P/S Range
Min: 2.79   Max: 4.34
Current: 2.92

2.79
4.34
PFCF 96.90
PBSK's PFCF is ranked higher than
67% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBSK: 96.90 )
PBSK' s 10-Year PFCF Range
Min: 9.35   Max: 96.9
Current: 96.9

9.35
96.9
POCF 20.95
PBSK's POCF is ranked higher than
74% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 191.45 vs. PBSK: 20.95 )
PBSK' s 10-Year POCF Range
Min: 8.27   Max: 21.28
Current: 20.95

8.27
21.28
EV-to-EBIT 25.74
PBSK's EV-to-EBIT is ranked higher than
66% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.44 vs. PBSK: 25.74 )
PBSK' s 10-Year EV-to-EBIT Range
Min: 4.7   Max: 107.6
Current: 25.74

4.7
107.6
Days Sales Outstanding 27.08
PBSK's Days Sales Outstanding is ranked higher than
91% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBSK: 27.08 )
PBSK' s 10-Year Days Sales Outstanding Range
Min: 35.41   Max: 63.82
Current: 27.08

35.41
63.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.29
PBSK's Dividend Yield is ranked lower than
75% of the 2205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.44 vs. PBSK: 1.29 )
PBSK' s 10-Year Dividend Yield Range
Min: 0.31   Max: 1.39
Current: 1.29

0.31
1.39
Dividend Payout 0.37
PBSK's Dividend Payout is ranked higher than
77% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. PBSK: 0.37 )
PBSK' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.36
Current: 0.37

0.14
0.36
Yield on cost (5-Year) 1.30
PBSK's Yield on cost (5-Year) is ranked lower than
75% of the 2213 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.78 vs. PBSK: 1.30 )
PBSK' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 1.39
Current: 1.3

0.31
1.39

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
PBSK's Price/Tangible Book is ranked higher than
88% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PBSK: 0.90 )
PBSK' s 10-Year Price/Tangible Book Range
Min: 0.62   Max: 0.9
Current: 0.9

0.62
0.9
Price/Median PS Value 0.80
PBSK's Price/Median PS Value is ranked higher than
94% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBSK: 0.80 )
PBSK' s 10-Year Price/Median PS Value Range
Min: 0.79   Max: 1.2
Current: 0.8

0.79
1.2
Price/Graham Number 1.20
PBSK's Price/Graham Number is ranked higher than
69% of the 3168 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PBSK: 1.20 )
PBSK' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 2.65
Current: 1.2

0.76
2.65
Earnings Yield (Greenblatt) 3.90
PBSK's Earnings Yield (Greenblatt) is ranked higher than
54% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. PBSK: 3.90 )
PBSK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 21.4
Current: 3.9

0.9
21.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
Poage Bankshares Inc is incorporated in the State of Maryland. The Company is a holding company for Home Federal. Home Federal is a federal savings and loan association headquartered in Ashland, Kentucky. Home Federal was originally chartered in 1889. Home Federal's business consists primarily of accepting savings accounts and certificates of deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, primarily in first lien one- to four-family mortgage loans and, to a lesser extent, commercial and multi-family real estate loans, consumer loans, consisting primarily of automobile loans and home equity loans and lines of credit, and construction loans. Home Federal also purchases investment securities consisting primarily of mortgage-backed securities issued by United States Government agencies and government-sponsored enterprises, and obligations of state and political subdivisions. Home Federal offers a variety of deposit accounts, including passbook accounts, NOW and demand accounts, certificates of deposits, money market accounts and retirement accounts. Home Federal provides financial services to individuals, families and businesses through its banking offices located in and around Ashland, Kentucky. Its primary lending markets are in Boyd, Greenup, and Lawrence Counties in Kentucky, and Lawrence and Scioto Counties in Ohio. The retail deposit market includes the areas surrounding six offices in northeastern Kentucky, including its main office in Ashland and its branch offices in Flatwoods, Greenup, Louisa, South Shore and Summit. It also operates an automated teller machine at each of its offices. Its market area includes both rural and urban communities. 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 primarily of automobile loans, home equity loans and lines of credit, and construction loans .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.
» More Articles for PBSK

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
Nasdaq stocks posting largest volume decreases Apr 17 2015
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events Apr 13 2015
POAGE BANKSHARES, INC. Financials Apr 08 2015
POAGE BANKSHARES, INC. Files SEC form 10-K, Annual Report Apr 02 2015
POAGE BANKSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Apr 01 2015
Poage Bankshares, Inc. to Commence Stock Offering Associated With Pending Conversion Merger... Apr 01 2015
POAGE BANKSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 23 2015
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 03 2015
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 21 2015
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 05 2014
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 19 2014
POAGE BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report Nov 14 2014
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 22 2014
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events Sep 12 2014
Poage Bankshares, Inc. To Acquire Commonwealth Bank, F.S.B. in a Conversion Merger Transaction Sep 09 2014
POAGE BANKSHARES, INC. Files SEC form 10-Q, Quarterly Report Aug 14 2014
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 16 2014
POAGE BANKSHARES, INC. Files SEC form 8-K, Other Events May 30 2014
POAGE BANKSHARES, INC. Files SEC form 8-K/A, Submission of Matters to a Vote of Security Holders May 29 2014
POAGE BANKSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

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)
FEEDBACK