NasdaqGM:PBIP

Stock Analysis Report

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

PBIPIndustryMarket
7 Day0.1%-1.1%-0.3%
30 Day6.0%0.8%2.9%
90 Day5.2%0.9%2.1%
1 Year0.4%-5.2%2.8%0.6%5.7%3.4%
3 Year40.2%29.1%42.1%32.3%45.8%36.2%
5 Year75.6%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

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.


Next Steps

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%).


Next Steps

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.


Next Steps

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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PBIPNasdaqGM (Nasdaq Global Market)YesNew Common StockUSUSDMar 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/19 00:16
End of Day Share Price2019/07/18 00:00
Earnings2019/03/31
Annual Earnings2018/09/30


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.