Prudential Bancorp
Market Cap
US$163.3m
Last Updated
2019/07/19 00:16 UTC
Data Sources
Company Financials + 0 Analysts
Executive Summary
Prudential Bancorp, Inc. operates as the bank holding company for Prudential Bank that provides various banking products or services.
Snowflake
Fundamentals
Adequate balance sheet with acceptable track record.
Risks
- Prudential Bancorp is not covered by any analysts.
Similar Companies
Share Price & News
How has Prudential Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0.1%
NasdaqGM:PBIP
-1.1%
US Mortgage
-0.3%
US Market
1 Year Return
-5.2%
NasdaqGM:PBIP
0.6%
US Mortgage
3.4%
US Market
PBIP underperformed the Mortgage industry which returned 0.6% over the past year.
PBIP underperformed the Market in United States of America which returned 3.4% over the past year.
Share holder returns
| PBIP | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.1% | -1.1% | -0.3% |
| 30 Day | 6.0% | 0.8% | 2.9% |
| 90 Day | 5.2% | 0.9% | 2.1% |
| 1 Year | 0.4%-5.2% | 2.8%0.6% | 5.7%3.4% |
| 3 Year | 40.2%29.1% | 42.1%32.3% | 45.8%36.2% |
| 5 Year | 75.6%57.1% | 59.1%42.9% | 58.9%41.3% |
Price Volatility Vs. Market
How volatile is Prudential Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Can We See Significant Institutional Ownership On The Prudential Bancorp, Inc. (NASDAQ:PBIP) Share Register?4 weeks ago | Simply Wall St
The Prudential Bancorp (NASDAQ:PBIP) Share Price Is Up 52% And Shareholders Are Holding On1 month ago | Simply Wall St
Should You Worry About Prudential Bancorp, Inc.'s (NASDAQ:PBIP) CEO Pay Cheque?Valuation
Is Prudential Bancorp undervalued based on future cash flows and its price relative to the stock market?
17.58x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Unable to calculate intrinsic value for Prudential Bancorp to establish if it is available at moderate discount.
Unable to calculate intrinsic value for Prudential Bancorp to establish if it is available at substantial discount.
Price Based on Earnings
Prudential Bancorp is overvalued based on earnings compared to the US Mortgage industry average.
Prudential Bancorp is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Prudential Bancorp, we can't assess if its growth is good value.
Price Based on Value of Assets
Prudential Bancorp is overvalued based on assets compared to the US Mortgage industry average.
Next Steps
Future Growth
How is Prudential Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
11.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Prudential Bancorp is high growth as no revenue estimate data is available.
Prudential Bancorp's earnings are expected to grow by 11% yearly, however this is not considered high growth (20% yearly).
Unable to compare Prudential Bancorp's revenue growth to the United States of America market average as no estimate data is available.
Prudential Bancorp's earnings growth is positive but not above the United States of America market average.
Prudential Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Prudential Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Prudential Bancorp performed over the past 5 years?
33.8%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Prudential Bancorp has delivered over 20% year on year earnings growth in the past 5 years.
Prudential Bancorp's 1-year earnings growth exceeds its 5-year average (44% vs 33.8%)
Prudential Bancorp's earnings growth has exceeded the US Mortgage industry average in the past year (44% vs 39%).
Return on Equity
Prudential Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Prudential Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Prudential Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
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Financial Health
How is Prudential Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Prudential Bancorp has an acceptable proportion of non-loan assets held.
Prudential Bancorp has a low allowance for bad loans.
Prudential Bancorp's liabilities are made up of primarily low risk sources of funding.
Prudential Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at Prudential Bancorp are broadly funded by customer deposits.
Prudential Bancorp has a high level of bad loans (greater than 2%).
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Dividend
What is Prudential Bancorp's current dividend yield, its reliability and sustainability?
1.09%
Current Dividend Yield
Dividend Yield and Payments Analysis
Prudential Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.43%).
Prudential Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.76%).
Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
Dividends per share have fallen over the past 10 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (5.2x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
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Management
What is the CEO of Prudential Bancorp's salary, the management and board of directors tenure and is there insider trading?
3.0yrs
Average management tenure
CEO
Dennis Pollack (69yo)
3.2yrs
Tenure
US$1,152,676
Compensation
Mr. Dennis Pollack has been the Chief Executive Officer and President of Prudential Bank and Prudential Bancorp, Inc. since May 1, 2016. Mr. Pollack served as Chief Executive Officer at Presilient, LLC unt ...
CEO Compensation Analysis
Dennis's remuneration is about average for companies of similar size in United States of America.
Dennis's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
3.0yrs
Average Tenure
63yo
Average Age
The tenure for the Prudential Bancorp management team is about average.
Board Age and Tenure
8.3yrs
Average Tenure
75.5yo
Average Age
The tenure for the Prudential Bancorp board of directors is about average.
Insider Trading
No 3 month individual insider trading information.
Ownership Breakdown
Management Team
Kevin Gallagher (63yo)
Senior VP & Chief Lending Officer
- Tenure: 2.5yrs
- Compensation: $349.07k
Dennis Pollack (69yo)
President
- Tenure: 3.2yrs
- Compensation: $1.15m
Jack Rothkopf (55yo)
Senior VP
- Tenure: 4.0yrs
- Compensation: $344.42k
Robert Pollard (61yo)
VP & Controller
- Tenure: 1.7yrs
Anthony Migliorino (64yo)
Executive VP & COO
- Tenure: 3.8yrs
- Compensation: $721.71k
Sharon Slater
Senior VP
Dominique Genca
Assistant VP & Director of Human Resources - Prudential Savings Bank
Gary Reilly
Chief Credit Officer & Senior VP
- Tenure: 2.8yrs
Kathleen Parmer
Assistant Secretary of Prudential Savings Bank
Board Members
Dennis Pollack (69yo)
President
- Tenure: 4.7yrs
- Compensation: $1.15m
Joe Packer (90yo)
Chairman Emeritus
- Tenure: 6.6yrs
- Compensation: $68.92k
Joseph Corrato (58yo)
Director Emeritus
- Tenure: 3.2yrs
- Compensation: $578.75k
John Judge (99yo)
Director Emeritus
- Tenure: 11.0yrs
- Compensation: $71.48k
Francis Mulcahy (86yo)
Director
- Tenure: 13.8yrs
- Compensation: $41.50k
A. Fanelli (82yo)
Director
- Tenure: 13.8yrs
- Compensation: $57.17k
John Hosier (55yo)
Director
- Tenure: 10.0yrs
- Compensation: $53.75k
Bruce Miller (58yo)
Chairman of the Board
- Tenure: 3.6yrs
- Compensation: $78.25k
Company Information
Prudential Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Prudential Bancorp, Inc.
- Ticker: PBIP
- Exchange: NasdaqGM
- Founded: 1886
- Industry: thrifts and mortgage finance
- Sector: banks
- Market Cap: US$163.253m
- Shares outstanding: 8.92m
- Website: Click here
Number of Employees
Location
- Prudential Bancorp, Inc.
- 1834 West Oregon Avenue
- Philadelphia
- Pennsylvania
- 19145
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PBIP | NasdaqGM (Nasdaq Global Market) | Yes | New Common Stock | US | USD | Mar 2005 |
Biography
Prudential Bancorp, Inc. operates as the bank holding company for Prudential Bank that provides various banking products or services. The company accepts interest-bearing and non-interest-bearing checking, ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/07/19 00:16 |
| End of Day Share Price | 2019/07/18 00:00 |
| Earnings | 2019/03/31 |
| Annual Earnings | 2018/09/30 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.