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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 0.11
PULB's Cash to Debt is ranked lower than
91% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. PULB: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
PULB' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.12 Max: N/A
Current: 0.11
Equity to Asset 0.08
PULB's Equity to Asset is ranked lower than
69% of the 1323 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.24
Current: 0.08
0.06
0.24
Interest Coverage 3.11
PULB's Interest Coverage is ranked higher than
68% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. PULB: 3.11 )
Ranked among companies with meaningful Interest Coverage only.
PULB' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.45 Max: 3.11
Current: 3.11
0.09
3.11
F-Score: 4
WACC vs ROIC
4.29%
4.31%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 33.31
PULB's Operating margin (%) is ranked higher than
59% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. PULB: 33.31 )
Ranked among companies with meaningful Operating margin (%) only.
PULB' s 10-Year Operating margin (%) Range
Min: 5.77  Med: 32.35 Max: 40.95
Current: 33.31
5.77
40.95
Net-margin (%) 22.56
PULB's Net-margin (%) is ranked higher than
53% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. PULB: 22.56 )
Ranked among companies with meaningful Net-margin (%) only.
PULB' s 10-Year Net-margin (%) Range
Min: 5.35  Med: 21.32 Max: 26.39
Current: 22.56
5.35
26.39
ROE (%) 10.85
PULB's ROE (%) is ranked higher than
69% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. PULB: 10.85 )
Ranked among companies with meaningful ROE (%) only.
PULB' s 10-Year ROE (%) Range
Min: 1.06  Med: 7.76 Max: 16.77
Current: 10.85
1.06
16.77
ROA (%) 0.92
PULB's ROA (%) is ranked higher than
56% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. PULB: 0.92 )
Ranked among companies with meaningful ROA (%) only.
PULB' s 10-Year ROA (%) Range
Min: 0.23  Med: 0.91 Max: 1.5
Current: 0.92
0.23
1.5
ROC (Joel Greenblatt) (%) 107.78
PULB's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. PULB: 107.78 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PULB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.3  Med: 28.39 Max: 333.33
Current: 107.78
7.3
333.33
Revenue Growth (3Y)(%) -6.60
PULB's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. PULB: -6.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PULB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -39.6  Med: 11.15 Max: 103.4
Current: -6.6
-39.6
103.4
EBITDA Growth (3Y)(%) 9.80
PULB's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PULB: 9.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PULB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -36.1  Med: 11.90 Max: 110.5
Current: 9.8
-36.1
110.5
EPS Growth (3Y)(%) 17.00
PULB's EPS Growth (3Y)(%) is ranked higher than
67% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. PULB: 17.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PULB' s 10-Year EPS Growth (3Y)(%) Range
Min: -48.5  Med: 15.85 Max: 114
Current: 17
-48.5
114
» PULB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

PULB Guru Trades in Q2 2014

Arnold Schneider 89,245 sh (+8.46%)
Jim Simons 11,900 sh (-47.02%)
» More
Q3 2014

PULB Guru Trades in Q3 2014

Jim Simons 14,300 sh (+20.17%)
Arnold Schneider 81,462 sh (-8.72%)
» More
Q4 2014

PULB Guru Trades in Q4 2014

Jim Simons 19,500 sh (+36.36%)
Arnold Schneider 75,922 sh (-6.80%)
» More
Q1 2015

PULB Guru Trades in Q1 2015

Arnold Schneider 62,477 sh (-17.71%)
Jim Simons 14,600 sh (-25.13%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 12.63
PULB's P/E(ttm) is ranked higher than
58% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PULB: 12.63 )
Ranked among companies with meaningful P/E(ttm) only.
PULB' s 10-Year P/E(ttm) Range
Min: 9.26  Med: 16.42 Max: 112.24
Current: 12.63
9.26
112.24
Forward P/E 11.14
PULB's Forward P/E is ranked higher than
60% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. PULB: 11.14 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.70
PULB's PE(NRI) is ranked higher than
57% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PULB: 12.70 )
Ranked among companies with meaningful PE(NRI) only.
PULB' s 10-Year PE(NRI) Range
Min: 9.26  Med: 15.86 Max: 446
Current: 12.7
9.26
446
P/B 1.31
PULB's P/B is ranked lower than
66% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PULB: 1.31 )
Ranked among companies with meaningful P/B only.
PULB' s 10-Year P/B Range
Min: 0.59  Med: 1.18 Max: 3.31
Current: 1.31
0.59
3.31
P/S 2.78
PULB's P/S is ranked higher than
55% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. PULB: 2.78 )
Ranked among companies with meaningful P/S only.
PULB' s 10-Year P/S Range
Min: 1  Med: 2.08 Max: 5.17
Current: 2.78
1
5.17
EV-to-EBIT 14.22
PULB's EV-to-EBIT is ranked lower than
51% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. PULB: 14.22 )
Ranked among companies with meaningful EV-to-EBIT only.
PULB' s 10-Year EV-to-EBIT Range
Min: -1121.7  Med: 22.50 Max: 564.3
Current: 14.22
-1121.7
564.3
PEG 0.60
PULB's PEG is ranked higher than
75% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. PULB: 0.60 )
Ranked among companies with meaningful PEG only.
PULB' s 10-Year PEG Range
Min: 0.18  Med: 0.58 Max: 74.1
Current: 0.6
0.18
74.1
Shiller P/E 22.78
PULB's Shiller P/E is ranked lower than
71% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. PULB: 22.78 )
Ranked among companies with meaningful Shiller P/E only.
PULB' s 10-Year Shiller P/E Range
Min: 6.51  Med: 19.18 Max: 36.12
Current: 22.78
6.51
36.12
Days Sales Outstanding 18.74
PULB's Days Sales Outstanding is ranked higher than
82% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. PULB: 18.74 )
Ranked among companies with meaningful Days Sales Outstanding only.
PULB' s 10-Year Days Sales Outstanding Range
Min: 17.99  Med: 39.21 Max: 60.1
Current: 18.74
17.99
60.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.91
PULB's Dividend Yield is ranked higher than
57% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. PULB: 2.91 )
Ranked among companies with meaningful Dividend Yield only.
PULB' s 10-Year Dividend Yield Range
Min: 1.41  Med: 3.60 Max: 7.68
Current: 2.91
1.41
7.68
Dividend Payout 0.37
PULB's Dividend Payout is ranked lower than
56% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PULB: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
PULB' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.38 Max: 9.5
Current: 0.37
0.18
9.5
Yield on cost (5-Year) 2.92
PULB's Yield on cost (5-Year) is ranked lower than
52% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. PULB: 2.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PULB' s 10-Year Yield on cost (5-Year) Range
Min: 1.41  Med: 3.60 Max: 7.68
Current: 2.92
1.41
7.68
Share Buyback Rate -1.70
PULB's Share Buyback Rate is ranked higher than
52% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PULB: -1.70 )
Ranked among companies with meaningful Share Buyback Rate only.
PULB' s 10-Year Share Buyback Rate Range
Min: 41.2  Med: -1.80 Max: -86.9
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
PULB's Price/Tangible Book is ranked lower than
60% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PULB: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
PULB' s 10-Year Price/Tangible Book Range
Min: 0.63  Med: 1.24 Max: 3.39
Current: 1.35
0.63
3.39
Price/Projected FCF 0.51
PULB's Price/Projected FCF is ranked higher than
70% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. PULB: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
PULB' s 10-Year Price/Projected FCF Range
Min: 0.19  Med: 0.51 Max: 277.67
Current: 0.51
0.19
277.67
Price/Median PS Value 1.33
PULB's Price/Median PS Value is ranked lower than
76% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. PULB: 1.33 )
Ranked among companies with meaningful Price/Median PS Value only.
PULB' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 1.43 Max: 39.28
Current: 1.33
0.52
39.28
Price/Peter Lynch Fair Value 0.51
PULB's Price/Peter Lynch Fair Value is ranked higher than
82% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. PULB: 0.51 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PULB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.42  Med: 0.74 Max: 4.66
Current: 0.51
0.42
4.66
Price/Graham Number 0.85
PULB's Price/Graham Number is ranked higher than
52% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PULB: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
PULB' s 10-Year Price/Graham Number Range
Min: 0.47  Med: 0.96 Max: 2.4
Current: 0.85
0.47
2.4
Earnings Yield (Greenblatt) (%) 6.99
PULB's Earnings Yield (Greenblatt) (%) is ranked higher than
53% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PULB: 6.99 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PULB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 4.40 Max: 8.9
Current: 6.99
0.2
8.9
Forward Rate of Return (Yacktman) (%) 39.87
PULB's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. PULB: 39.87 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PULB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -69.2  Med: 28.10 Max: 92.8
Current: 39.87
-69.2
92.8

Analyst Estimate

Sep15 Sep16
EPS($) 1.05 1.17
EPS without NRI($) 1.05 1.17

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Pulaski Financial Corp is the holding company for Pulaski Bank. Pulaski Bank provides various financial products and services for businesses and retail customers mainly through its thirteen full-service offices in the St. Louis metropolitan area and six loan production offices in the St. Louis, and Kansas City metropolitan areas and Wichita, Kansas. It is mainly engaged in attracting deposits from individuals and businesses and using these deposits, together with borrowed funds, to originate mainly one-to four-family residential mortgage loans, home equity lines of credit, commercial real estate and commercial and industrial loans mainly within its St. Louis lending market. In addition, the Bank originates one-to four-family residential mortgage loans in its Kansas City and Wichita markets. It faces competition from commercial banks, other thrift institutions and credit unions located in its market area. Pulaski Bank is subject to extensive regulation, examination and supervision by the OCC, as its main federal regulator, and the FDIC, as the deposit insurer.
» 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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Pulaski Financial Declares Quarterly Cash Dividend Mar 25 2015
Pulaski Financial Reports First Fiscal Quarter Results 2015 Feb 23 2015
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