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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 0.88
PBSK's Cash to Debt is ranked lower than
59% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. PBSK: 0.88 )
Ranked among companies with meaningful Cash to Debt only.
PBSK' s 10-Year Cash to Debt Range
Min: 0.13   Max: 2.1
Current: 0.88

0.13
2.1
Equity to Asset 0.16
PBSK's Equity to Asset is ranked higher than
85% of the 1285 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 10-Year Equity to Asset Range
Min: 0.1   Max: 0.2
Current: 0.16

0.1
0.2
Interest Coverage 1.14
PBSK's Interest Coverage is ranked lower than
60% of the 1198 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. PBSK: 1.14 )
Ranked among companies with meaningful Interest Coverage only.
PBSK' s 10-Year Interest Coverage Range
Min: 0.26   Max: 1.31
Current: 1.14

0.26
1.31
F-Score: 6
Z-Score: 0.30
WACC vs ROIC
5.61%
3.84%
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 (%) 19.80
PBSK's Operating margin (%) is ranked lower than
73% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. PBSK: 19.80 )
Ranked among companies with meaningful Operating margin (%) only.
PBSK' s 10-Year Operating margin (%) Range
Min: 13.54   Max: 26
Current: 19.8

13.54
26
Net-margin (%) 14.34
PBSK's Net-margin (%) is ranked lower than
72% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. PBSK: 14.34 )
Ranked among companies with meaningful Net-margin (%) only.
PBSK' s 10-Year Net-margin (%) Range
Min: 10.17   Max: 19.41
Current: 14.34

10.17
19.41
ROE (%) 4.27
PBSK's ROE (%) is ranked lower than
77% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. PBSK: 4.27 )
Ranked among companies with meaningful ROE (%) only.
PBSK' s 10-Year ROE (%) Range
Min: 2.64   Max: 8.01
Current: 4.27

2.64
8.01
ROA (%) 0.68
PBSK's ROA (%) is ranked lower than
60% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. PBSK: 0.68 )
Ranked among companies with meaningful ROA (%) only.
PBSK' s 10-Year ROA (%) Range
Min: 0.49   Max: 0.77
Current: 0.68

0.49
0.77
ROC (Joel Greenblatt) (%) 45.16
PBSK's ROC (Joel Greenblatt) (%) is ranked lower than
66% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. PBSK: 45.16 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PBSK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 30.84   Max: 88.01
Current: 45.16

30.84
88.01
Revenue Growth (3Y)(%) 20.20
PBSK's Revenue Growth (3Y)(%) is ranked higher than
92% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PBSK: 20.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBSK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 20.2
Current: 20.2

0
20.2
EBITDA Growth (3Y)(%) 8.60
PBSK's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 985 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBSK: 8.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBSK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 8.6
Current: 8.6

0
8.6
EPS Growth (3Y)(%) 278.00
PBSK's EPS Growth (3Y)(%) is ranked higher than
99% of the 1001 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. PBSK: 278.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBSK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 278
Current: 278

0
278
» PBSK's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q1 2015

PBSK Guru Trades in Q1 2015

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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 20.10
PBSK's P/E(ttm) is ranked lower than
77% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. PBSK: 20.10 )
Ranked among companies with meaningful P/E(ttm) only.
PBSK' s 10-Year P/E(ttm) Range
Min: 19.04   Max: 156.91
Current: 20.1

19.04
156.91
PE(NRI) 19.00
PBSK's PE(NRI) is ranked lower than
74% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. PBSK: 19.00 )
Ranked among companies with meaningful PE(NRI) only.
PBSK' s 10-Year PE(NRI) Range
Min: 18.75   Max: 184.38
Current: 19

18.75
184.38
P/B 0.90
PBSK's P/B is ranked higher than
67% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBSK: 0.90 )
Ranked among companies with meaningful P/B only.
PBSK' s 10-Year P/B Range
Min: 0.61   Max: 0.96
Current: 0.9

0.61
0.96
P/S 2.80
PBSK's P/S is ranked higher than
54% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. PBSK: 2.80 )
Ranked among companies with meaningful P/S only.
PBSK' s 10-Year P/S Range
Min: 2.66   Max: 4.27
Current: 2.8

2.66
4.27
PFCF 29.00
PBSK's PFCF is ranked lower than
85% of the 1098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.80 vs. PBSK: 29.00 )
Ranked among companies with meaningful PFCF only.
PBSK' s 10-Year PFCF Range
Min: 9.35   Max: 94.06
Current: 29

9.35
94.06
POCF 12.45
PBSK's POCF is ranked lower than
66% of the 960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.34 vs. PBSK: 12.45 )
Ranked among companies with meaningful POCF only.
PBSK' s 10-Year POCF Range
Min: 8.27   Max: 21.28
Current: 12.45

8.27
21.28
EV-to-EBIT 15.68
PBSK's EV-to-EBIT is ranked lower than
57% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.33 vs. PBSK: 15.68 )
Ranked among companies with meaningful EV-to-EBIT only.
PBSK' s 10-Year EV-to-EBIT Range
Min: 4.4   Max: 107.6
Current: 15.68

4.4
107.6
Days Sales Outstanding 25.90
PBSK's Days Sales Outstanding is ranked higher than
68% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. PBSK: 25.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
PBSK' s 10-Year Days Sales Outstanding Range
Min: 27.08   Max: 63.82
Current: 25.9

27.08
63.82

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
PBSK's Dividend Yield is ranked lower than
80% of the 2100 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. PBSK: 1.30 )
Ranked among companies with meaningful Dividend Yield only.
PBSK' s 10-Year Dividend Yield Range
Min: 0.31   Max: 1.39
Current: 1.3

0.31
1.39
Dividend Payout 0.25
PBSK's Dividend Payout is ranked higher than
62% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. PBSK: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
PBSK' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.36
Current: 0.25

0.14
0.36
Yield on cost (5-Year) 1.40
PBSK's Yield on cost (5-Year) is ranked lower than
81% of the 2100 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. PBSK: 1.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PBSK' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 1.39
Current: 1.4

0.31
1.39
Share Buyback Rate -3.30
PBSK's Share Buyback Rate is ranked lower than
61% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. PBSK: -3.30 )
Ranked among companies with meaningful Share Buyback Rate only.
PBSK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -3.3
Current: -3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
PBSK's Price/Tangible Book is ranked higher than
72% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBSK: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
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
84% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBSK: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
PBSK' s 10-Year Price/Median PS Value Range
Min: 0.77   Max: 1.19
Current: 0.8

0.77
1.19
Price/Graham Number 0.90
PBSK's Price/Graham Number is ranked lower than
54% of the 1431 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. PBSK: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
PBSK' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 2.65
Current: 0.9

0.75
2.65
Earnings Yield (Greenblatt) 6.10
PBSK's Earnings Yield (Greenblatt) is ranked lower than
55% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. PBSK: 6.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
PBSK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 22.5
Current: 6.1

0.9
22.5

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.
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