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PCSB Financial

Nasdaq:PCSB
Snowflake Description

Flawless balance sheet with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PCSB
Nasdaq
$326M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The last earnings update was 14 days ago. More info.


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PCSB Share Price and Events
7 Day Returns
2.8%
NasdaqCM:PCSB
0.4%
US Mortgage
0.2%
US Market
1 Year Returns
-3%
NasdaqCM:PCSB
1.9%
US Mortgage
2.9%
US Market
PCSB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
PCSB Financial (PCSB) 2.8% 4.2% -4.3% -3% - -
US Mortgage 0.4% 0.7% 0.1% 1.9% 31.5% 41.1%
US Market 0.2% -1.6% 2.4% 2.9% 36.1% 41%
1 Year Return vs Industry and Market
  • PCSB underperformed the Mortgage industry which returned 1.9% over the past year.
  • PCSB underperformed the Market in United States of America which returned 2.9% over the past year.
Price Volatility
PCSB
Industry
5yr Volatility vs Market

Value

 Is PCSB Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for PCSB Financial. This is due to cash flow or dividend data being unavailable. The share price is $19.69.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for PCSB Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are PCSB Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:PCSB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.56
NasdaqCM:PCSB Share Price ** NasdaqCM (2019-05-23) in USD $19.69
United States of America Mortgage Industry PE Ratio Median Figure of 129 Publicly-Listed Mortgage Companies 14.08x
United States of America Market PE Ratio Median Figure of 3,085 Publicly-Listed Companies 17.79x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of PCSB Financial.

NasdaqCM:PCSB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:PCSB Share Price ÷ EPS (both in USD)

= 19.69 ÷ 0.56

35.32x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PCSB Financial is overvalued based on earnings compared to the US Mortgage industry average.
  • PCSB Financial is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does PCSB Financial's expected growth come at a high price?
Raw Data
NasdaqCM:PCSB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 35.32x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
-4.4%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 49 Publicly-Listed Mortgage Companies 1.31x
United States of America Market PEG Ratio Median Figure of 2,123 Publicly-Listed Companies 1.54x

*Line of best fit is calculated by linear regression .

NasdaqCM:PCSB PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 35.32x ÷ -4.4%

-8.04x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PCSB Financial earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on PCSB Financial's assets?
Raw Data
NasdaqCM:PCSB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $16.80
NasdaqCM:PCSB Share Price * NasdaqCM (2019-05-23) in USD $19.69
United States of America Mortgage Industry PB Ratio Median Figure of 143 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,201 Publicly-Listed Companies 1.84x
NasdaqCM:PCSB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:PCSB Share Price ÷ Book Value per Share (both in USD)

= 19.69 ÷ 16.80

1.17x

* Primary Listing of PCSB Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PCSB Financial is overvalued based on assets compared to the US Mortgage industry average.
X
Value checks
We assess PCSB Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. PCSB Financial has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is PCSB Financial expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-4.4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is PCSB Financial expected to grow at an attractive rate?
  • PCSB Financial's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • PCSB Financial's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • PCSB Financial's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:PCSB Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:PCSB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts -4.4%
NasdaqCM:PCSB Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 1.6%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.4%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 5.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.7%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:PCSB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:PCSB Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-06-30 46 9 1
2019-06-30 43 9 1
NasdaqCM:PCSB Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 46 14 9
2018-12-31 45 16 9
2018-09-30 44 14 7
2018-06-30 44 15 7
2018-03-31 42 15 2
2017-12-31 41 13 2
2017-09-30 40 10 4
2017-06-30 39 8 3
2017-03-31 37 3 5
2016-12-31 36 3 4
2016-09-30 35 4 3
2016-06-30 34 6 3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • PCSB Financial's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • PCSB Financial's revenue is expected to grow by 1.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:PCSB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from PCSB Financial Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:PCSB Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-06-30 0.56 0.56 0.56 1.00
2019-06-30 0.52 0.52 0.52 1.00
NasdaqCM:PCSB Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.56
2018-12-31 0.56
2018-09-30 0.43
2018-06-30 0.39
2018-03-31 0.13
2017-12-31 0.11
2017-09-30 0.21
2017-06-30 0.19
2017-03-31 0.27
2016-12-31
2016-09-30
2016-06-30

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if PCSB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess PCSB Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
PCSB Financial has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has PCSB Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare PCSB Financial's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • PCSB Financial has delivered over 20% year on year earnings growth in the past 5 years.
  • PCSB Financial's 1-year earnings growth exceeds its 5-year average (333.9% vs 44.8%)
  • PCSB Financial's earnings growth has exceeded the US Mortgage industry average in the past year (333.9% vs 39%).
Earnings and Revenue History
PCSB Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from PCSB Financial Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:PCSB Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 46.02 9.31 30.74
2018-12-31 45.31 9.50 29.84
2018-09-30 44.33 7.18 29.25
2018-06-30 43.74 6.60 29.15
2018-03-31 41.79 2.15 30.11
2017-12-31 40.53 1.86 28.70
2017-09-30 40.08 3.53 27.62
2017-06-30 38.93 3.23 26.40
2017-03-31 36.75 4.86 24.92
2016-12-31 36.49 4.07 25.35
2016-09-30 34.75 3.13 25.14
2016-06-30 34.32 2.93 26.59
2015-06-30 25.18 0.51 19.45

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • PCSB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • PCSB Financial used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if PCSB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess PCSB Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
PCSB Financial has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is PCSB Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of PCSB Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from PCSB Financial Company Filings, last reported 1 month ago.

NasdaqCM:PCSB Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 278.32 26.25 87.11
2018-12-31 288.78 26.28 143.12
2018-09-30 289.88 18.81 68.32
2018-06-30 287.56 18.84 62.15
2018-03-31 284.66 68.87 36.51
2017-12-31 282.41 30.72 77.11
2017-09-30 282.09 35.75 34.73
2017-06-30 279.85 42.60 60.49
2017-03-31 117.27 24.45 178.41
2016-12-31 112.76 4.02 48.33
2016-09-30 111.51 11.05 60.42
2016-06-30 109.95 20.08 41.58
2015-06-30 110.27 14.00 77.76
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • PCSB Financial has an acceptable proportion of non-loan assets held.
  • PCSB Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at PCSB Financial are broadly funded by customer deposits.
  • PCSB Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • PCSB Financial has a sufficient allowance for bad loans.
  • PCSB Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess PCSB Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. PCSB Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is PCSB Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.81%
Current annual income from PCSB Financial dividends. Estimated to be 0.61% next year.
If you bought $2,000 of PCSB Financial shares you are expected to receive $16 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • PCSB Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • PCSB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.7%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:PCSB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 94 Stocks 3.2%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2005 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqCM:PCSB Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-06-30 0.12 1.00
2019-06-30 0.12 1.00
NasdaqCM:PCSB Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-10 0.160 0.827
2019-04-25 0.160 0.842
2019-02-08 0.120 0.606
2019-01-24 0.120 0.589
2018-08-02 0.120 0.605
2018-04-26 0.120 0.598

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PCSB Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.
  • PCSB Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.
Current Payout to shareholders
What portion of PCSB Financial's earnings are paid to the shareholders as a dividend.
  • No need to calculate the sustainability of PCSB Financial's dividends as it is not paying a notable one for United States of America.
Future Payout to shareholders
  • No need to calculate the sustainability of PCSB Financial's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess PCSB Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can PCSB Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. PCSB Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of PCSB Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Joseph Roberto
COMPENSATION $852,341
AGE 65
TENURE AS CEO 2.3 years
CEO Bio

Mr. Joseph D. Roberto has been the Chairman, Chief Executive Officer and President of PCSB Bank and PCSB Financial Corporation since January 2012 and 2017 respectively. Mr. Roberto served as Chief Financial Officer of PCSB Bank from October 2005 to December 2011. His banking career spans more than 40 years serving in various financial management and executive positions for other financial institutions. Before joining PCSB Bank, Mr. Roberto began his career at Yonkers Savings and Loan Association and served as Chief Financial Officer for both Yonkers Financial Corp. and Yonkers Savings and Loan Association F. A. from 1996 to 2002 and also served as its Senior Vice President and Treasurer, where he served for 29 years. In 2004 and 2005, he served as Executive Vice President and Chief Financial Officer of Empire State Bank, a public commercial bank. He served as Executive Officer of BRT Apartments Corp. since September 2003. Mr. Roberto is actively involved in various organizations in both Putnam and Westchester Counties, currently serving on the boards of the Putnam Economic Development Committee, as its Chairman, the Putnam Hospital Center Foundation and the Westchester County Association. Mr. Roberto is also actively involved with the American Heart Association and its Putnam Heart Walk leading PCSB Bank’s efforts in fund raising and heart healthy awareness.

CEO Compensation
  • Joseph's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Joseph's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the PCSB Financial management team in years:

3.3
Average Tenure
54
Average Age
  • The tenure for the PCSB Financial management team is about average.
Management Team

Joseph Roberto

TITLE
Chairman
COMPENSATION
$852K
AGE
65
TENURE
2.3 yrs

Scott Nogles

TITLE
Executive VP & CFO
COMPENSATION
$439K
AGE
48
TENURE
2.3 yrs

Michael Goldrick

TITLE
Executive VP & Chief Lending Officer
COMPENSATION
$355K
AGE
53
TENURE
2.3 yrs

Carol Bray

TITLE
Chief Information Officer and Senior Vice President
AGE
54
TENURE
3.3 yrs

David McNamara

TITLE
Senior Vice President of Compliance and CRA Officer
AGE
48
TENURE
4.9 yrs

Clifford Weber

TITLE
Chief Risk Officer
AGE
68
TENURE
3.3 yrs

Ruth Leser

TITLE
Senior Vice President and Director of Human Resources
AGE
54
TENURE
23.3 yrs

Robert Farrier

TITLE
Senior Vice President and Retail Banking Officer
AGE
47
TENURE
13.3 yrs

Richard Petrone

TITLE
Chief Credit Officer and Senior Vice President
AGE
60
TENURE
6.8 yrs
Board of Directors Tenure

Average tenure and age of the PCSB Financial board of directors in years:

2.3
Average Tenure
64.5
Average Age
  • The average tenure for the PCSB Financial board of directors is less than 3 years, this suggests a new board.
Board of Directors

Joseph Roberto

TITLE
Chairman
COMPENSATION
$852K
AGE
65
TENURE
2.3 yrs

Richard Weiss

TITLE
Vice Chairman & Lead Independent Director
COMPENSATION
$74K
AGE
73
TENURE
2.3 yrs

Jeffrey Kellogg

TITLE
Director
COMPENSATION
$74K
AGE
69
TENURE
2.3 yrs

Michael Weber

TITLE
Director
COMPENSATION
$74K
AGE
63
TENURE
2.3 yrs

William Cuddy

TITLE
Director
COMPENSATION
$75K
AGE
60
TENURE
2.3 yrs

Kevin Dwyer

TITLE
Director
COMPENSATION
$74K
AGE
57
TENURE
2.3 yrs

Robert Lusardi

TITLE
Director
COMPENSATION
$74K
AGE
64
TENURE
2.3 yrs

Matthew McCrosson

TITLE
Director
COMPENSATION
$74K
AGE
68
TENURE
2.3 yrs

Karl Thimm

TITLE
Director
COMPENSATION
$74K
AGE
71
TENURE
2.3 yrs

Willard Hill

TITLE
Director
COMPENSATION
$74K
AGE
62
TENURE
2.3 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by PCSB Financial insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
20. Mar 19 Buy Clifford Weber Individual 18. Mar 19 18. Mar 19 1,224 $20.11 $24,620
31. Oct 18 Buy Scott Nogles Individual 30. Oct 18 30. Oct 18 1,500 $18.85 $28,100
14. Sep 18 Buy Clifford Weber Individual 13. Sep 18 14. Sep 18 1,000 $19.86 $19,799
13. Sep 18 Buy Scott Nogles Individual 13. Sep 18 13. Sep 18 1,000 $19.70 $19,700
X
Management checks
We assess PCSB Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. PCSB Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Do Institutions Own PCSB Financial Corporation (NASDAQ:PCSB) Shares?

A look at the shareholders of PCSB Financial Corporation (NASDAQ:PCSB) can tell us which group is most powerful. … Insiders often own a large chunk of younger, smaller, companies while huge companies tend to have institutions as shareholders. … With a market capitalization of US$326m, PCSB Financial is a small cap stock, so it might not be well known by many institutional investors.

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Are Insiders Buying PCSB Financial Corporation (NASDAQ:PCSB) Stock?

So we'll take a look at whether insiders have been buying or selling shares in PCSB Financial Corporation (NASDAQ:PCSB). … PCSB Financial Insider Transactions Over The Last Year. … We generally consider it a positive if insiders have been buying on market, even above the current price.

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Here's What PCSB Financial Corporation's (NASDAQ:PCSB) P/E Is Telling Us

The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … We'll look at PCSB Financial Corporation's (NASDAQ:PCSB) P/E ratio and reflect on what it tells us about the company's share price. … PCSB Financial has a price to earnings ratio of 44.84, based on the last twelve months.

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Where PCSB Financial Corporation's (NASDAQ:PCSB) Earnings Growth Stands Against Its Industry

After looking at PCSB Financial Corporation's (NASDAQ:PCSB) latest earnings announcement (30 June 2018), I found it useful to revisit the company's performance in the past couple of years and assess this against the most recent figures. … Check out our latest analysis for PCSB Financial? … PCSB's trailing twelve-month earnings (from 30 June 2018) of US$6.6m has

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Is PCSB Financial Corporation (NASDAQ:PCSB) An Industry Laggard Or Leader?

PCSB Financial Corporation (NASDAQ:PCSB), a US$335.31m. … is a financial services company operating in an industry, … Financial services analysts are forecasting for the entire industry,

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Will PCSB Financial Corporation (NASDAQ:PCSB) Continue To Underperform Its Industry?

and looking to gauge the potential return on investment in PCSB Financial Corporation (NASDAQ:PCSB). … PCSB Financial Corporation’s (NASDAQ:PCSB) most recent return on equity was a substandard 0.75% relative to its industry performance of 5.71% over the past year. … Today I will look at how components such as financial leverage can influence ROE which may impact the sustainability of PCSB's returns.

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Company Info

Description

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its deposits products include non-interest bearing demand, NOW, money market, escrow, and savings accounts, as well as time deposits and certificates of deposit. The company also offers commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer loans, as well as home equity lines of credit. It provides its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

Details
Name: PCSB Financial Corporation
PCSB
Exchange: NasdaqCM
Founded: 1871
$326,217,697
16,567,684
Website: http://www.pcsbbank.com
Address: PCSB Financial Corporation
2651 Strang Boulevard,
Suite 100,
Yorktown Heights,
New York, 10598,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM PCSB Common Stock Nasdaq Capital Market US USD 21. Apr 2017
Number of employees
Current staff
Staff numbers
169
PCSB Financial employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/24 00:47
End of day share price update: 2019/05/23 00:00
Last estimates confirmation: 2019/04/25
Last earnings filing: 2019/05/10
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.