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PCSB Financial Corporation (PCSB)
Key financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 34 | 38 | 35 | 35 | 40 | 50 | 52 |
| Operating profit | $m | 25 | 27 | |||||
| Net profit | $m | 3 | 7 | 8 | 9 | 12 | 15 | 16 |
| EPS reported | $ | 1.04 | 1.12 | |||||
| Operating cashflow per share | $ | 1.46 | 1.46 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | 1.46 | 1.46 | |||||
| Free cash flow | $m | 21 | 20 | |||||
| Net debt | $m | -103 | -53 | |||||
| Book value equity | $m | 277 | 281 | |||||
| Book value per share | $ | 19.40 | 19.66 | |||||
| Number of shares | m | 14.29 | 14.3 | |||||
| DPS (TTM paid) | $ | 0.27 | 0.27 |
Financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 18.36 | - | |||||
| P/B LTM | x | 0.98 | 0.97 | |||||
| P/S LTM | x | 5.45 | 5.21 | |||||
| P/FCF LTM | x | 13.11 | 13.49 | |||||
| EV/EBITDA LTM | x | 7.30 | 8.19 | |||||
| EV/Sales LTM | x | 3.64 | 4.19 | |||||
| Earnings Yield LTM | % | 5.45% | 5.47% | |||||
| FCF Yield | % | 7.63% | 7.41% | |||||
| Quality | ||||||||
| ROE | % | 5.37% | 5.39% | |||||
| ROIC | % | 1.00% | 1.00% | |||||
| Operating margin | % | 44.57% | 44.57% | |||||
| Gross margin | % | 98.32% | 98.32% | |||||
| FCF/Sales | % | 36.99% | 36.99% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +23.81% | +23.08% | |||||
| Sales Growth YoY | % | +25.30% | +24.10% | |||||
| Net Income Growth YoY | % | +19.76% | +20.52% | |||||
| FCF Growth | % | +67.70% | +38.02% | |||||
| Operating Profit Growth | % | -2.36% | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.32% | 1.42% | |||||
| Dividend Growth | % | +22.73% | - | |||||
| Payout Ratio | % | 24.22% | 23.38% | |||||
| FCF/Debt | x | 0.43 | 0.71 | |||||
| Net Debt/EBITDA | x | -2.43 | -2.43 | |||||
| EBIT/Net interest | x | 4.02 | 4.02 | |||||
| Net debt/market cap | % | -37.69% | -19.42% | |||||
| Net debt/Equity | x | -0.37 | -0.19 | |||||
| Gross debt/equity | x | 0.17 | 0.10 | |||||
Company overview
Serving as the parent company for PCSB Bank, PCSB Financial Corporation delivers comprehensive financial services to individuals and businesses across Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The institution offers a diverse array of deposit products, including interest-bearing and non-interest-bearing accounts, demand deposits, and time deposits, as well as specific accounts like checking, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Customers benefit from modern conveniences such as online and mobile deposit services, alongside cash management solutions encompassing escrow, sweep, and lockbox accounts. PCSB Bank's lending services span commercial real estate, multi-family residential real estate, commercial business, and construction loans, in addition to residential mortgages, consumer loans, and deposit overdraft facilities. They also provide home equity lines of credit, insurance offerings, and securities. Furthermore, the corporation engages in various investment activities. Founded in 1871 and based in Yorktown Heights, New York, PCSB Financial Corporation operated from its executive headquarters and 14 branch offices as of June 30, 2022.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
PCSB Financial Corporation (PCSB)
Serving as the parent company for PCSB Bank, PCSB Financial Corporation delivers comprehensive financial services to individuals and businesses across Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The institution offers a diverse array of deposit products, including interest-bearing and non-interest-bearing accounts, demand deposits, and time deposits, as well as specific accounts like checking, NOW, money market, savings, certificates of deposit, and individual retirement accounts. Customers benefit from modern conveniences such as online and mobile deposit services, alongside cash management solutions encompassing escrow, sweep, and lockbox accounts. PCSB Bank's lending services span commercial real estate, multi-family residential real estate, commercial business, and construction loans, in addition to residential mortgages, consumer loans, and deposit overdraft facilities. They also provide home equity lines of credit, insurance offerings, and securities. Furthermore, the corporation engages in various investment activities. Founded in 1871 and based in Yorktown Heights, New York, PCSB Financial Corporation operated from its executive headquarters and 14 branch offices as of June 30, 2022.
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