PBIP Stock Overview
Prudential Bancorp, Inc. operates as the bank holding company for Prudential Bank that provides various banking products or services.
Prudential Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$15.31|
|52 Week High||US$17.43|
|52 Week Low||US$13.25|
|1 Month Change||-4.37%|
|3 Month Change||-7.21%|
|1 Year Change||10.14%|
|3 Year Change||-16.34%|
|5 Year Change||-16.52%|
|Change since IPO||46.76%|
Recent News & Updates
|PBIP||US Mortgage||US Market|
Return vs Industry: PBIP exceeded the US Mortgage industry which returned -37.1% over the past year.
Return vs Market: PBIP exceeded the US Market which returned -18.8% over the past year.
|PBIP Average Weekly Movement||3.0%|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||8.0%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: PBIP is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: PBIP's weekly volatility (3%) has been stable over the past year.
About the Company
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, money market, savings, and certificates of deposit accounts. Its loan portfolio comprises single-family residential mortgage loans, construction and land development loans, non-residential or commercial real estate mortgage loans, home equity loans and lines of credit, and commercial business loans, as well as consumer loans, such as loans secured by deposit accounts and unsecured personal loans.
Prudential Bancorp Fundamentals Summary
|PBIP fundamental statistics|
Is PBIP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PBIP income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-0.058|
|Net Profit Margin||-1.90%|
How did PBIP perform over the long term?See historical performance and comparison
1.8%Current Dividend Yield
Is PBIP undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for PBIP?
Other financial metrics that can be useful for relative valuation.
|What is PBIP's n/a Ratio?|
Price to Book Ratio vs Peers
How does PBIP's PB Ratio compare to its peers?
|PBIP PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
OFED Oconee Federal Financial
HARL Harleysville Financial
BVFL BV Financial
PROV Provident Financial Holdings
PBIP Prudential Bancorp
Price-To-Book vs Peers: PBIP is good value based on its Price-To-Book Ratio (1x) compared to the peer average (1.3x).
Price to Earnings Ratio vs Industry
How does PBIP's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Book vs Industry: PBIP is expensive based on its Price-To-Book Ratio (1x) compared to the US Mortgage industry average (0.9x)
Price to Book Ratio vs Fair Ratio
What is PBIP's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||1x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate PBIP's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of PBIP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PBIP ($15.31) is trading below our estimate of fair value ($18.55)
Significantly Below Fair Value: PBIP is trading below fair value, but not by a significant amount.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PBIP's PEG Ratio to determine if it is good value.
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How is Prudential Bancorp forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PBIP is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: PBIP is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: PBIP is expected to become profitable in the next 3 years.
Revenue vs Market: PBIP's revenue (8.1% per year) is forecast to grow slower than the US market (8.3% per year).
High Growth Revenue: PBIP's revenue (8.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if PBIP's Return on Equity is forecast to be high in 3 years time
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How has Prudential Bancorp performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PBIP is currently unprofitable.
Growing Profit Margin: PBIP is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: PBIP is unprofitable, but has reduced losses over the past 5 years at a rate of 11.8% per year.
Accelerating Growth: Unable to compare PBIP's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PBIP is unprofitable, making it difficult to compare its past year earnings growth to the Mortgage industry (6.7%).
Return on Equity
High ROE: PBIP has a negative Return on Equity (-0.37%), as it is currently unprofitable.
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How is Prudential Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: PBIP's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: PBIP has a sufficient allowance for bad loans (183%).
Low Risk Liabilities: 75% of PBIP's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBIP has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: PBIP's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: PBIP has an appropriate level of bad loans (0.7%).
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What is Prudential Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 1/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PBIP's dividend (1.83%) is higher than the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: PBIP's dividend (1.83%) is low compared to the top 25% of dividend payers in the US market (4.25%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, PBIP has been paying a dividend for less than 10 years.
Growing Dividend: PBIP's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Earnings Coverage: PBIP is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dennis Pollack (71 yo)
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
Compensation vs Market: Dennis's total compensation ($USD808.77K) is about average for companies of similar size in the US market ($USD752.76K).
Compensation vs Earnings: Dennis's compensation has increased whilst the company is unprofitable.
Experienced Management: PBIP's management team is seasoned and experienced (6 years average tenure).
Experienced Board: PBIP's board of directors are considered experienced (9.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Prudential Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Prudential Bancorp, Inc.
- Ticker: PBIP
- Exchange: NasdaqGM
- Founded: 1886
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$119.055m
- Shares outstanding: 7.78m
- Website: https://www.psbanker.com
Number of Employees
- Prudential Bancorp, Inc.
- 1834 West Oregon Avenue
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/28 00:00|
|End of Day Share Price||2022/06/28 00:00|
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.