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Prudential Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Prudential Bancorp Inc displays poor financial strength. Usually this is caused by too much debt for the company.
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). The higher, the better.GuruFocus does not calculate Prudential Bancorp's interest coverage with the available data. Prudential Bancorp's debt to revenue ratio for the quarter that ended in Mar. 2022 was 8.65. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Prudential Bancorp's Interest Expense for the months ended in Mar. 2022 was $-3.10 Mil. Its Operating Income for the months ended in Mar. 2022 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2022 was $206.79 Mil.
Prudential Bancorp's Interest Coverage for the quarter that ended in Mar. 2022 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Prudential Bancorp's Debt to Revenue Ratio for the quarter that ended in Mar. 2022 is
Debt to Revenue Ratio | = | Total Debt (Q: Mar. 2022 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (0 | + | 206.793) | / | 23.9 | |
= | 8.65 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Prudential Bancorp (NAS:PBIP) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
Prudential Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Thank you for viewing the detailed overview of Prudential Bancorp's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Matthew Graham | officer: Sr. VP and Chief Lending Offcr | PRUDENTIAL BANCORP, INC. 1834 WEST OREGON AVENUE PHILADELPHIA PA 19145 |
A J Fanelli | director | PRUDENTIAL BANCORP INC OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
Bruce E Miller | director | PRUDENTIAL BANCORP, INC. 1834 WEST OREGON AVENUE PHILADELPHIA PA 19145 |
Raymond Vanaria | director | PRUDENTIAL BANCORP, INC., 1834 W. OREGON AVENUE, PHILADELPHIA PA 19145 |
Dennis Pollack | director | 3 PENNS TRAIL, NEWTOWN PA 18940 |
Anthony V. Migliorino | officer: EVP - Chief Operating Officer | PRUDENTIAL BANCORP, INC. 1834 WEST OREGON AVENUE PHILADELPHIA PA 19145 |
Jack E Rothkopf | officer: Senior VP - Treasurer | PRUDENTIAL BANCORP OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
Robert Pollard | officer: VP - Controller | PRUDENTIAL BANCORP, INC. 1834 WEST OREGON AVENUE PHILADELPHIA PA 19145 |
Kevin J Gallagher | officer: SVP and Chief Lending Officer | 3993 HUNTINGDON PIKE, 3RD FLOOR HUNTINGDON VALLEY PA 19006 |
Jerome R Balka | director | PRUDENTIAL BANCORP INC OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
Smith Douglas J R | officer: SVP - Chief Lending Officer | 713 RODMAN STREET PHILADELPHIA PA 19147 |
John C Hosier | director | PRUDENTIAL BANCORP INC OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
Francis V Mulcahy | director | PRUDENTIAL BANCORP INC OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
Joseph R Corrato | director, officer: EVP and CFO | PRUDENTIAL BANCORP INC OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
Thomas A Vento | director, officer: Chairman, President and CEO | PRUDENTIAL BANCORP INC OF PENNSYLVANIA 1834 OREGON AVENUE PHILADELPHIA PA 19145 |
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