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. More Details
Flawless balance sheet with solid track record.
Share Price & News
How has PCSB Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PCSB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: PCSB's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: PCSB underperformed the US Mortgage industry which returned 51.9% over the past year.
Return vs Market: PCSB exceeded the US Market which returned 44.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is PCSB Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StIf You Had Bought PCSB Financial (NASDAQ:PCSB) Stock A Year Ago, You Could Pocket A 26% Gain Today
1 month ago | Simply Wall StPCSB Financial's (NASDAQ:PCSB) Upcoming Dividend Will Be Larger Than Last Year's
1 month ago | Simply Wall StWhy You Might Be Interested In PCSB Financial Corporation (NASDAQ:PCSB) For Its Upcoming Dividend
Is PCSB Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PCSB ($18.85) is trading above our estimate of fair value ($4.22)
Significantly Below Fair Value: PCSB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PCSB is poor value based on its PE Ratio (23.7x) compared to the US Mortgage industry average (12.5x).
PE vs Market: PCSB is poor value based on its PE Ratio (23.7x) compared to the US market (19.7x).
Price to Earnings Growth Ratio
PEG Ratio: PCSB is poor value based on its PEG Ratio (6.2x)
Price to Book Ratio
PB vs Industry: PCSB's PB Ratio (1x) is in line with the US Mortgage industry average.
How is PCSB Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PCSB's forecast earnings growth (3.8% per year) is above the savings rate (2%).
Earnings vs Market: PCSB's earnings (3.8% per year) are forecast to grow slower than the US market (15.5% per year).
High Growth Earnings: PCSB's earnings are forecast to grow, but not significantly.
Revenue vs Market: PCSB's revenue (0.8% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: PCSB's revenue (0.8% 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 PCSB's Return on Equity is forecast to be high in 3 years time
How has PCSB Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PCSB has high quality earnings.
Growing Profit Margin: PCSB's current net profit margins (24.1%) are higher than last year (17.8%).
Past Earnings Growth Analysis
Earnings Trend: PCSB's earnings have grown significantly by 27.6% per year over the past 5 years.
Accelerating Growth: PCSB's earnings growth over the past year (48.2%) exceeds its 5-year average (27.6% per year).
Earnings vs Industry: PCSB earnings growth over the past year (48.2%) exceeded the Mortgage industry 25.6%.
Return on Equity
High ROE: PCSB's Return on Equity (4.4%) is considered low.
How is PCSB Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: PCSB's Assets to Equity ratio (6.8x) is low.
Allowance for Bad Loans: PCSB has a sufficient allowance for bad loans (383%).
Low Risk Liabilities: 92% of PCSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PCSB has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: PCSB's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: PCSB has an appropriate level of bad loans (0.2%).
What is PCSB Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PCSB's dividend (1.27%) is higher than the bottom 25% of dividend payers in the US market (1.27%).
High Dividend: PCSB's dividend (1.27%) is low compared to the top 25% of dividend payers in the US market (3.35%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, PCSB has been paying a dividend for less than 10 years.
Growing Dividend: PCSB's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (20.1%), PCSB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Joseph Roberto (67 yo)
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 Financia...
CEO Compensation Analysis
Compensation vs Market: Joseph's total compensation ($USD826.69K) is about average for companies of similar size in the US market ($USD1.04M).
Compensation vs Earnings: Joseph's compensation has been consistent with company performance over the past year.
Experienced Management: PCSB's management team is seasoned and experienced (5.4 years average tenure).
Experienced Board: PCSB's board of directors are considered experienced (6.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: PCSB insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
PCSB Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: PCSB Financial Corporation
- Ticker: PCSB
- Exchange: NasdaqCM
- Founded: 1871
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$277.743m
- Shares outstanding: 14.92m
- Website: https://www.pcsb.com
Number of Employees
- PCSB Financial Corporation
- 2651 Strang Boulevard
- Suite 100
- Yorktown Heights
- New York
- United States
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...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/06/15 05:48|
|End of Day Share Price||2021/06/14 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.