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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.05
PULB's Cash to Debt is ranked lower than
97% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.13 vs. PULB: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
PULB' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.11 Max: N/A
Current: 0.05
Equity to Asset 0.08
PULB's Equity to Asset is ranked lower than
71% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PULB: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
PULB' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.24
Current: 0.08
0.06
0.24
Interest Coverage 3.58
PULB's Interest Coverage is ranked higher than
71% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PULB: 3.58 )
Ranked among companies with meaningful Interest Coverage only.
PULB' s Interest Coverage Range Over the Past 10 Years
Min: 0.09  Med: 0.7 Max: 3.73
Current: 3.58
0.09
3.73
F-Score: 3
M-Score: -2.16
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 (%) 33.41
PULB's Operating margin (%) is ranked higher than
56% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.84 vs. PULB: 33.41 )
Ranked among companies with meaningful Operating margin (%) only.
PULB' s Operating margin (%) Range Over the Past 10 Years
Min: 5.77  Med: 22.65 Max: 40.67
Current: 33.41
5.77
40.67
Net-margin (%) 22.43
PULB's Net-margin (%) is ranked higher than
50% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.27 vs. PULB: 22.43 )
Ranked among companies with meaningful Net-margin (%) only.
PULB' s Net-margin (%) Range Over the Past 10 Years
Min: 5.35  Med: 15.51 Max: 26.22
Current: 22.43
5.35
26.22
ROE (%) 11.88
PULB's ROE (%) is ranked higher than
72% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.34 vs. PULB: 11.88 )
Ranked among companies with meaningful ROE (%) only.
PULB' s ROE (%) Range Over the Past 10 Years
Min: 1.06  Med: 6.96 Max: 15.86
Current: 11.88
1.06
15.86
ROA (%) 0.94
PULB's ROA (%) is ranked higher than
54% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. PULB: 0.94 )
Ranked among companies with meaningful ROA (%) only.
PULB' s ROA (%) Range Over the Past 10 Years
Min: 0.23  Med: 0.75 Max: 1.12
Current: 0.94
0.23
1.12
Revenue Growth (3Y)(%) -3.30
PULB's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. PULB: -3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PULB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.3  Med: 11.5 Max: 102.6
Current: -3.3
-39.3
102.6
EBITDA Growth (3Y)(%) 9.60
PULB's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. PULB: 9.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PULB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -35  Med: 14.2 Max: 112
Current: 9.6
-35
112
EPS Growth (3Y)(%) 16.50
PULB's EPS Growth (3Y)(%) is ranked higher than
74% of the 1213 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PULB: 16.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PULB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -49  Med: 17.4 Max: 114
Current: 16.5
-49
114
» PULB's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-28)


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

» Details

Guru Trades

Q3 2015

PULB Guru Trades in Q3 2015

Jim Simons 17,165 sh (+5.96%)
Arnold Schneider 34,667 sh (-41.71%)
» More
Q4 2015

PULB Guru Trades in Q4 2015

Paul Tudor Jones 79,308 sh (New)
Arnold Schneider Sold Out
Jim Simons 13,300 sh (-22.52%)
» More
Q1 2016

PULB Guru Trades in Q1 2016

Paul Tudor Jones 81,661 sh (+2.97%)
Jim Simons 12,200 sh (-8.27%)
» More
Q2 2016

PULB Guru Trades in Q2 2016

Paul Tudor Jones Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with PULB

(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:NAS:SMBC, NAS:HBCP, NAS:FNWB, NAS:SIFI, NAS:ESSA, NAS:PROV, NAS:LSBG, NAS:FXCB, NAS:GCBC, NAS:OFED, NAS:HFFC, NAS:BFIN, NAS:ICBK, NAS:RVSB, NAS:PBIP, NAS:MLVF, NAS:TSBK, NAS:TBNK, NAS:FCAP, NAS:CBNK » details
Pulaski Financial Corp is the holding company for Pulaski Bank, which is engaged in attracting deposits from individuals and businesses and using these deposits together with borrowed funds.

Pulaski Financial Corp was founded in 1922. The Company is a holding company for Pulaski Bank that provides financial products and services for businesses and retail customers through its thirteen full-service offices in the St. Louis metropolitan area and residential mortgage loan production offices in the St. Louis, Kansas City, Chicago and Omaha-Council-Bluffs metropolitan areas, mid-Missouri, southwestern Missouri, eastern Kansas, and Lincoln, Nebraska. Pulaski Bank is engaged in attracting deposits from individuals and businesses and using these deposits, together with borrowed funds, to originate and retain commercial real estate and commercial and industrial loans within its St. Louis lending market and one-to-four-family residential mortgage loans within its St. Louis, Kansas City and Omaha-Council Bluffs lending markets. In addition, the Bank originates one- to four-family residential mortgage loans for sale in the secondary market in the other markets. The Company competes for loans from other financial institutions, mortgage banking companies and mortgage brokers.

Ratios

vs
industry
vs
history
P/E(ttm) 13.82
PULB's P/E(ttm) is ranked lower than
53% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.26 vs. PULB: 13.82 )
Ranked among companies with meaningful P/E(ttm) only.
PULB' s P/E(ttm) Range Over the Past 10 Years
Min: 9.26  Med: 15.45 Max: 112.24
Current: 13.82
9.26
112.24
PE(NRI) 13.94
PULB's PE(NRI) is ranked lower than
53% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.28 vs. PULB: 13.94 )
Ranked among companies with meaningful PE(NRI) only.
PULB' s PE(NRI) Range Over the Past 10 Years
Min: 9.26  Med: 14.84 Max: 446
Current: 13.94
9.26
446
Price/Owner Earnings (ttm) 12.73
PULB's Price/Owner Earnings (ttm) is ranked higher than
51% of the 859 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.81 vs. PULB: 12.73 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PULB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.49  Med: 8.83 Max: 142.83
Current: 12.73
2.49
142.83
P/B 1.55
PULB's P/B is ranked lower than
78% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. PULB: 1.55 )
Ranked among companies with meaningful P/B only.
PULB' s P/B Range Over the Past 10 Years
Min: 0.59  Med: 1.17 Max: 3.23
Current: 1.55
0.59
3.23
P/S 3.10
PULB's P/S is ranked lower than
52% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. PULB: 3.10 )
Ranked among companies with meaningful P/S only.
PULB' s P/S Range Over the Past 10 Years
Min: 0.99  Med: 2.03 Max: 5.05
Current: 3.1
0.99
5.05
EV-to-EBIT 22.25
PULB's EV-to-EBIT is ranked lower than
76% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.80 vs. PULB: 22.25 )
Ranked among companies with meaningful EV-to-EBIT only.
PULB' s EV-to-EBIT Range Over the Past 10 Years
Min: -1121.7  Med: 21.5 Max: 564.3
Current: 22.25
-1121.7
564.3
EV-to-EBITDA 20.15
PULB's EV-to-EBITDA is ranked lower than
76% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. PULB: 20.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
PULB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -304.2  Med: 17 Max: 262.1
Current: 20.15
-304.2
262.1
PEG 0.58
PULB's PEG is ranked higher than
75% of the 740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. PULB: 0.58 )
Ranked among companies with meaningful PEG only.
PULB' s PEG Range Over the Past 10 Years
Min: 0.18  Med: 0.59 Max: 8.5
Current: 0.58
0.18
8.5
Shiller P/E 23.87
PULB's Shiller P/E is ranked lower than
71% of the 494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.76 vs. PULB: 23.87 )
Ranked among companies with meaningful Shiller P/E only.
PULB' s Shiller P/E Range Over the Past 10 Years
Min: 8.25  Med: 15.11 Max: 31.94
Current: 23.87
8.25
31.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.35
PULB's Dividend Yield is ranked lower than
61% of the 2190 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. PULB: 2.35 )
Ranked among companies with meaningful Dividend Yield only.
PULB' s Dividend Yield Range Over the Past 10 Years
Min: 1.55  Med: 3.65 Max: 7.68
Current: 2.35
1.55
7.68
Dividend Payout 0.32
PULB's Dividend Payout is ranked higher than
52% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. PULB: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
PULB' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.38 Max: 9.5
Current: 0.32
0.18
9.5
Forward Dividend Yield 2.35
PULB's Forward Dividend Yield is ranked lower than
66% of the 2073 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.13 vs. PULB: 2.35 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.35
PULB's Yield on cost (5-Year) is ranked lower than
67% of the 2538 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. PULB: 2.35 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PULB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.55  Med: 3.65 Max: 7.68
Current: 2.35
1.55
7.68
3-Year Average Share Buyback Ratio -2.60
PULB's 3-Year Average Share Buyback Ratio is ranked lower than
53% of the 1052 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. PULB: -2.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PULB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -23.8  Med: -2.6 Max: 11.5
Current: -2.6
-23.8
11.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
PULB's Price/Tangible Book is ranked lower than
73% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. PULB: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
PULB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.63  Med: 1.24 Max: 3.39
Current: 1.61
0.63
3.39
Price/Projected FCF 0.89
PULB's Price/Projected FCF is ranked lower than
70% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. PULB: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
PULB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.54 Max: 277.67
Current: 0.89
0.19
277.67
Price/Median PS Value 1.53
PULB's Price/Median PS Value is ranked lower than
88% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. PULB: 1.53 )
Ranked among companies with meaningful Price/Median PS Value only.
PULB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 1.45 Max: 10.97
Current: 1.53
0.53
10.97
Price/Peter Lynch Fair Value 1.28
PULB's Price/Peter Lynch Fair Value is ranked lower than
65% of the 385 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. PULB: 1.28 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PULB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.42  Med: 0.73 Max: 4.66
Current: 1.28
0.42
4.66
Price/Graham Number 1.00
PULB's Price/Graham Number is ranked lower than
63% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. PULB: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
PULB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 0.98 Max: 3.44
Current: 1
0.64
3.44
Earnings Yield (Greenblatt) (%) 4.50
PULB's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. PULB: 4.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PULB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 4.6 Max: 8.9
Current: 4.5
0.2
8.9
Forward Rate of Return (Yacktman) (%) 28.24
PULB's Forward Rate of Return (Yacktman) (%) is ranked higher than
80% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.66 vs. PULB: 28.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PULB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -69.2  Med: 28.7 Max: 92.8
Current: 28.24
-69.2
92.8

More Statistics

Revenue (TTM) (Mil) $63.07
EPS (TTM) $ 1.17
Short Percentage of Float0.12%
52-Week Range $12.24 - 17.25
Shares Outstanding (Mil)11.96

Analyst Estimate

Sep16
Revenue (Mil $)
EPS ($) 1.17
EPS w/o NRI ($) 1.17
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.44
» More Articles for PULB

Headlines

Articles On GuruFocus.com
Top Insider Buys of the Week Oct 04 2013 
Pulaski Financial Corp. (PULB) CEO Gary W Douglass buys 2,000 Shares Sep 08 2010 

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