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. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
Competitive Comparison of Polonia Bancorp's Profitability Rank
For the Banks - Regional subindustry, Polonia Bancorp's Profitability Rank, along with its competitors' market caps and Profitability Rank data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Polonia Bancorp's Profitability Rank Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Polonia Bancorp's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Polonia Bancorp's Profitability Rank falls into.
Polonia Bancorp Profitability Rank Calculation
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
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.
Polonia Bancorp has the Profitability Rank of 0.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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.
Good or high score = 8 or 9
Bad or low score = 0 or 1
Polonia Bancorp has an F-score of 0. It is a bad or low score, which usually implies poor business operation.
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
Polonia Bancorp Profitability Rank Related Terms
Thank you for viewing the detailed overview of Polonia Bancorp's Profitability Rank provided by GuruFocus.com. Please click on the following links to see related term pages.
Polonia Bancorp (Polonia Bancorp) Business Description
Polonia Bancorp Inc is a Maryland corporation that was incorporated in August 2011. The Company is headquartered in Huntingdon Valley and operates as a community-oriented financial institution dedicated to serving the financial services needs of consumers and businesses within its market areas. The Bank is engaged mainly in the business of attracting deposits from the general public and using using such funds to originate loans. Polonia Bank also maintains an investment portfolio. Polonia Bank's primary federal regulator is the Office of the Comptroller of the Currency (OCC). Its loan portfolio consists of one- to four-family residential real estate loans, multi-family and nonresidential real estate loans, home equity loans, commercial loans and consumer loans. Currently, it offers only fixed-rate mortgage products. The one- to four-family residential real estate loans are normally originated with up to 30-year terms, such loans typically remain outstanding for substantially shorter periods because borrowers often prepay their loans in full upon sale of the property pledged as security or upon refinancing the original loan. The multi-family and nonresidential real estate loans are generally secured by apartment buildings, small office buildings and owner-occupied properties. It offers loans with adjustable interest rates tied to a market index in its market area. It offers consumer loans in the form of loans secured by savings accounts or time deposits. The Company has the legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies and municipal governments, corporate securities, mortgage-backed securities, deposits at the FHLB of Pittsburgh and time deposits of federally insured institutions. The Company faces competition for the attraction of deposits and origination of loans. The Company's direct competition for deposits has historically come from the several financial institutions operating in its market areas and, to a lesser extent, from other financial service companies such as brokerage firms, credit unions and insurance companies. The Company is subject to regulation, supervision and examination by the Federal Reserve Board and the OCC, its main federal regulator, and by the FDIC, as insurer of its deposits.
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