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Partners Bancorp (PTRS)
Key financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 19 | 24 | 26 | 33 | 46 | 55 | 53 |
| Operating profit | $m | 20 | 24 | |||||
| Net profit | $m | 3 | 5 | 6 | 6 | 7 | 14 | 16 |
| EPS reported | $ | 0.76 | 0.88 | |||||
| Operating cashflow per share | $ | 1.17 | 1.17 | |||||
| Capex per share | $ | 0.03 | 0.03 | |||||
| FCF per share | $ | 1.13 | 1.13 | |||||
| Free cash flow | $m | 20 | 14 | |||||
| Net debt | $m | -160 | -108 | |||||
| Book value equity | $m | 139 | 143 | |||||
| Book value per share | $ | 7.78 | 7.95 | |||||
| Number of shares | m | 17.83 | 18.01 | |||||
| DPS (TTM paid) | $ | 0.11 | 0.17 |
Financial summary
Financials in USD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 11.66 | - | |||||
| P/B LTM | x | 1.14 | 0.90 | |||||
| P/S LTM | x | 2.90 | 2.43 | |||||
| P/FCF LTM | x | 7.81 | 9.19 | |||||
| EV/EBITDA LTM | x | 6.48 | 0.73 | |||||
| EV/Sales LTM | x | 2.15 | 0.39 | |||||
| Earnings Yield LTM | % | 8.58% | 10.68% | |||||
| FCF Yield | % | 12.80% | 10.88% | |||||
| Quality | ||||||||
| ROE | % | 9.82% | 9.77% | |||||
| ROIC | % | 9.11% | 9.11% | |||||
| Operating margin | % | 32.53% | 32.53% | |||||
| Gross margin | % | 99.98% | 99.98% | |||||
| FCF/Sales | % | 33.05% | 33.05% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +80.95% | +43.79% | |||||
| Sales Growth YoY | % | +18.65% | +53.07% | |||||
| Net Income Growth YoY | % | +83.69% | +45.89% | |||||
| FCF Growth | % | +25.47% | -25.71% | |||||
| Operating Profit Growth | % | +106.10% | +60.92% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.31% | 2.32% | |||||
| Dividend Growth | % | +15.00% | - | |||||
| Payout Ratio | % | 15.17% | 13.62% | |||||
| FCF/Debt | x | 0.22 | 0.23 | |||||
| Net Debt/EBITDA | x | -1.31 | -1.31 | |||||
| EBIT/Net interest | x | 2.99 | 2.99 | |||||
| Net debt/market cap | % | -101.39% | -84.05% | |||||
| Net debt/Equity | x | -1.16 | -0.76 | |||||
| Gross debt/equity | x | 0.66 | 0.42 | |||||
Company overview
Partners Bancorp serves as the parent corporation overseeing the Bank of Delmarva, providing a comprehensive range of financial products and services to individual consumers and corporate clients throughout the United States. Its diverse portfolio includes various deposit accounts such as checking, money market, NOW, IRA, savings, and specialized cash management and time deposit options. Customers also benefit from modern conveniences like remote and mobile deposit capabilities. The institution extends an extensive array of lending solutions. These encompass commercial real estate, Small Business Administration (SBA) loans, term loans, and mortgages for both new purchases and refinancing. Further financing options cover bridge loans, equipment acquisition, home equity, agricultural needs, vehicle purchases (including cars, mobile homes, boats, RVs, and motorcycles), unsecured consumer credit, construction/permanent mortgages, and lot loans. Additionally, it offers lines of credit and specialized business credit cards. Beyond traditional banking, Partners Bancorp incorporates numerous technological services. These include online bill payment, ATM and debit card functionalities, merchant processing, fund transfers, cash advances, and sophisticated cash management tools like sweep accounts, cash concentration services, direct payroll deposits, and ACH origination. Clients can conveniently manage their finances through phone, mobile applications, and internet banking platforms. The company conducts its operations from 15 branch locations. Established in 1896, the entity was formerly known as Delmar Bancorp before adopting the name Partners Bancorp in August 2020. Its principal office is situated in Salisbury, Maryland.
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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.
Partners Bancorp (PTRS)
Partners Bancorp serves as the parent corporation overseeing the Bank of Delmarva, providing a comprehensive range of financial products and services to individual consumers and corporate clients throughout the United States. Its diverse portfolio includes various deposit accounts such as checking, money market, NOW, IRA, savings, and specialized cash management and time deposit options. Customers also benefit from modern conveniences like remote and mobile deposit capabilities. The institution extends an extensive array of lending solutions. These encompass commercial real estate, Small Business Administration (SBA) loans, term loans, and mortgages for both new purchases and refinancing. Further financing options cover bridge loans, equipment acquisition, home equity, agricultural needs, vehicle purchases (including cars, mobile homes, boats, RVs, and motorcycles), unsecured consumer credit, construction/permanent mortgages, and lot loans. Additionally, it offers lines of credit and specialized business credit cards. Beyond traditional banking, Partners Bancorp incorporates numerous technological services. These include online bill payment, ATM and debit card functionalities, merchant processing, fund transfers, cash advances, and sophisticated cash management tools like sweep accounts, cash concentration services, direct payroll deposits, and ACH origination. Clients can conveniently manage their finances through phone, mobile applications, and internet banking platforms. The company conducts its operations from 15 branch locations. Established in 1896, the entity was formerly known as Delmar Bancorp before adopting the name Partners Bancorp in August 2020. Its principal office is situated in Salisbury, Maryland.
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