MarketCapExport financials
Prudential Bancorp (PBIP)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Prudential Bancorp Financial Ratios 2021-2011 | PBIP
Brief overview of Prudential Bancorp's valuation and returns
Ratios are assessed across five available annual reports in the 2017–2021 interval.
The current valuation set is P/E 57.11x (median 61.45x), P/B 0.87x (median 0.92x), P/CF 22.52x (median 16.83x). Current valuation broadly matches recent historical reference points; the difference from five-year medians is -5.7%.
The inverse P/E implies an earnings yield of 1.8%. This is not a dividend yield, but current earnings relative to market price.
The latest available business-quality ratios are ROE 1.5%, ROA 0.2%. Business quality is below comfortable levels on current returns. Better margins or turnover are needed.
PEG is 6.48x. Price is well ahead of embedded growth, making market expectations demanding.
Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.
Overall assessment
Prudential Bancorp trades near its familiar ratio range. A new earnings or profitability trend is needed to change the view.
Annual Financial Ratios Prudential Bancorp
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
57.1 | 61.5 | 54.6 | 73.1 | 3703.0 | 150.9 | 264.1 | 197.4 | 241.7 | 252.7 | 529.7 |
P/S |
- | 3.7 | 4.8 | 5.3 | 5.4 | 7.1 | 6.7 | 6.6 | 5.8 | 4.2 | 3.8 |
EPS |
0.2 | 0.2 | 0.3 | 0.2 | 0.3 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | - |
EV (Enterprise Value) |
1 B | 1.09 B | 1.24 B | 1.05 B | 861 M | 543 M | 468 M | 444 M | 471 M | 418 M | 501 M |
EBITDA per Share |
0.05 | 0.06 | 0.07 | 0.07 | 0.07 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | - |
EV/EBITDA |
2301.2 | 2252.1 | 1997.2 | 1678.3 | 1557.6 | 1671.4 | 1539.4 | 1386.4 | 1396.7 | 1212.0 | - |
PEG |
6.48 | 5.06 | 3.64 | 4.88 | 246.87 | 1.07 | 1.56 | 5.47 | -1.79 | 0.01 | -5.46 |
P/B |
0.9 | 0.9 | 1.0 | 1.1 | 0.9 | 1.0 | 0.9 | 0.7 | 1.4 | 1.1 | 1.0 |
P/CF |
22.5 | 5.1 | 16.8 | 14.0 | 21.3 | 31.5 | 65.6 | 30.5 | 44.7 | 35.3 | 14.9 |
ROE % |
1.53 | 1.42 | 1.76 | 1.54 | 0.02 | 0.64 | 0.35 | 0.36 | 0.56 | 0.45 | 0.19 |
ROA % |
0.18 | 0.15 | 0.19 | 0.18 | 0.00 | 0.13 | 0.08 | 0.09 | 0.06 | 0.06 | 0.02 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 | 1.1 | 1.1 | - |
DSO |
- | 54.6 | 54.9 | 44.6 | 37.3 | 42.3 | 38.3 | 45.6 | 44.4 | 18.5 | 47.0 |
DPO |
350.6 | 390.8 | 372.5 | 384.4 | 278.8 | 129.9 | 94.0 | 100.7 | 79.5 | 28.6 | - |
Operating Cycle |
- | 54.6 | 54.9 | 44.6 | 37.3 | 42.3 | 38.3 | 45.6 | 44.4 | 18.5 | - |
Cash Conversion Cycle |
-350.6 | -336.2 | -317.6 | -339.8 | -241.5 | -87.6 | -55.7 | -55.1 | -35.1 | -10.1 | - |
Annual performance
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All numbers in USD currency
Quarterly Financial Ratios Prudential Bancorp
| 2023-Q2 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
-0.84 | - | - | -0.6 | 0.24 | 0.24 | 0.28 | 0.22 | 0.23 | 0.23 | 0.44 | 0.33 | 0.23 | 0.28 | 0.3 | 0.27 | 0.28 | 0.22 | 0.28 | 0.24 | 0.004 | - | 0.25 | -0.27 | 0.1 | 0.09 | 0.1 | 0.08 | 0.05 | 0.05 | 0.01 | 0.2 | 0.05 | 0.05 | 0.06 | 0.06 | 0.04 | 0.04 | 0.08 | 0.07 | 0.04 | 0.04 | 0.17 | 0.05 | 0.01 | 0.04 | - | - | - |
EBITDA per Share |
0.01 | - | - | 0.03 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.03 | 0.01 | 0.01 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.03 | 0.01 | 0.01 | 0.01 | - | - | 0.01 | 0.01 | - | - | - | - | - | - | - |
ROE % |
-0.97 | 4.46 | 4.46 | 4.46 | 5.77 | 5.80 | 5.82 | 6.94 | 7.83 | 7.82 | 8.15 | 7.28 | 6.82 | 7.16 | 6.94 | 6.84 | 6.73 | 5.02 | 3.54 | 3.26 | -0.01 | 0.61 | 1.23 | 0.34 | 2.47 | 2.18 | 1.89 | 1.24 | 2.07 | 2.08 | 2.09 | 2.46 | 1.55 | 1.45 | 1.34 | 2.24 | 2.97 | 2.97 | 3.16 | 4.60 | 0.26 | 0.45 | 2.75 | - | - | - | - | - | - |
ROA % |
-0.11 | 0.54 | 0.54 | 0.54 | 0.68 | 0.66 | 0.65 | 0.76 | 0.84 | 0.83 | 0.87 | 0.79 | 0.75 | 0.80 | 0.78 | 0.80 | 0.83 | 0.65 | 0.47 | 0.48 | -0.00 | 0.12 | 0.24 | 0.13 | 0.49 | 0.44 | 0.40 | 0.27 | 0.50 | 0.51 | 0.52 | 0.61 | 0.38 | 0.36 | 0.33 | 0.36 | 0.37 | 0.36 | 0.63 | 0.11 | 0.06 | - | 0.34 | - | - | - | - | - | - |
Current Ratio |
1.1 | - | - | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.1 | 1.1 | 1.1 | - | 1.1 | - | - | - | - | - | - |
DSO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 2385.0 | 2607.9 | 2241.0 | 2001.9 | 642.3 | 1776.3 | 1956.5 | 1787.0 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
DPO |
152.8 | - | - | 84.4 | 338.9 | 344.8 | 324.8 | 362.8 | 382.3 | 853.7 | 1620.3 | 943.6 | 558.3 | 570.0 | 480.1 | 650.7 | 564.2 | 459.4 | 437.4 | 329.0 | 335.1 | 358.5 | 411.2 | 213.4 | 75.2 | 112.4 | 117.7 | 95.9 | 97.0 | 97.4 | 81.1 | 153.3 | 265.6 | 182.8 | 84.4 | 112.9 | 171.4 | 137.3 | 36.0 | 108.3 | 51.5 | 29.2 | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2575.6 | 2472.5 | 2041.6 | 691.1 | 1971.9 | 2062.2 | 1714.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | -76.7 | -321.0 | -350.1 | - | -314.4 | -351.9 | -397.0 | -139.5 | -450.3 | -558.3 | -560.6 | -211.4 | 1869.7 | 2005.9 | 1658.4 | 562.9 | 1591.9 | 1731.6 | 1341.2 | -145.6 | -432.1 | -236.1 | -110.0 | -44.8 | -134.8 | -123.0 | -103.5 | -32.8 | -91.1 | -195.0 | -186.7 | -37.8 | -113.7 | -133.7 | -137.3 | -36.0 | -108.3 | -51.5 | -29.2 | - | - | - | - | - | - | - |
Quarterly performance
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All numbers in USD currency
Multiples are an important financial analysis tool for the company Prudential Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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