PCSB Stock Overview
PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial products and services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York.
PCSB Financial Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$19.11|
|52 Week High||US$19.95|
|52 Week Low||US$17.40|
|1 Month Change||-3.97%|
|3 Month Change||-0.42%|
|1 Year Change||3.86%|
|3 Year Change||-5.63%|
|5 Year Change||12.02%|
|Change since IPO||16.10%|
Recent News & Updates
PCSB Financial (NASDAQ:PCSB) Is Paying Out A Larger Dividend Than Last Year
PCSB Financial Corporation ( NASDAQ:PCSB ) has announced that it will be increasing its dividend on the 27th of May to...
|PCSB||US Mortgage||US Market|
Return vs Industry: PCSB exceeded the US Mortgage industry which returned -37.6% over the past year.
Return vs Market: PCSB exceeded the US Market which returned -18.4% over the past year.
|PCSB Average Weekly Movement||2.9%|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: PCSB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: PCSB's weekly volatility (3%) has been stable over the past year.
About the Company
PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial products and services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The company’s deposit products include interest and non-interest bearing, demand, NOW, money market, escrow, and savings accounts, as well as time deposits. It also provides commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer and deposit overdraft loans, as well as home equity lines of credit, insurance products, and securities.
PCSB Financial Fundamentals Summary
|PCSB fundamental statistics|
Is PCSB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PCSB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||1.03|
|Net Profit Margin||27.47%|
How did PCSB perform over the long term?See historical performance and comparison
1.5%Current Dividend Yield
Is PCSB undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings 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 PCSB?
Other financial metrics that can be useful for relative valuation.
|What is PCSB's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does PCSB's PE Ratio compare to its peers?
|PCSB PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
HBCP Home Bancorp
TSBK Timberland Bancorp
PVBC Provident Bancorp
PBFS Pioneer Bancorp
PCSB PCSB Financial
Price-To-Earnings vs Peers: PCSB is good value based on its Price-To-Earnings Ratio (18.6x) compared to the peer average (22.5x).
Price to Earnings Ratio vs Industry
How does PCSB's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Earnings vs Industry: PCSB is expensive based on its Price-To-Earnings Ratio (18.6x) compared to the US Mortgage industry average (11.3x)
Price to Earnings Ratio vs Fair Ratio
What is PCSB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||18.6x|
|Fair PE Ratio||10.4x|
Price-To-Earnings vs Fair Ratio: PCSB is expensive based on its Price-To-Earnings Ratio (18.6x) compared to the estimated Fair Price-To-Earnings Ratio (10.4x).
Share Price vs Fair Value
What is the Fair Price of PCSB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PCSB ($19.11) is trading above our estimate of fair value ($7.37)
Significantly Below Fair Value: PCSB is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: PCSB's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
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How is PCSB Financial forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score0/6
Future Growth Score 0/6
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: PCSB's earnings are forecast to decline over the next 3 years (-0.5% per year).
Earnings vs Market: PCSB's earnings are forecast to decline over the next 3 years (-0.5% per year).
High Growth Earnings: PCSB's earnings are forecast to decline over the next 3 years.
Revenue vs Market: PCSB's revenue (0.6% per year) is forecast to grow slower than the US market (8.4% per year).
High Growth Revenue: PCSB's revenue (0.6% 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
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How has PCSB Financial performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PCSB has high quality earnings.
Growing Profit Margin: PCSB's current net profit margins (27.5%) are higher than last year (24.1%).
Past Earnings Growth Analysis
Earnings Trend: PCSB's earnings have grown significantly by 26.8% per year over the past 5 years.
Accelerating Growth: PCSB's earnings growth over the past year (23.5%) is below its 5-year average (26.8% per year).
Earnings vs Industry: PCSB earnings growth over the past year (23.5%) exceeded the Mortgage industry 6.7%.
Return on Equity
High ROE: PCSB's Return on Equity (5.3%) is considered low.
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How is PCSB Financial'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: PCSB's Assets to Equity ratio (7.2x) is low.
Allowance for Bad Loans: PCSB has a sufficient allowance for bad loans (111%).
Low Risk Liabilities: 95% 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 (65%).
Low Risk Deposits: PCSB's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: PCSB has an appropriate level of bad loans (0.6%).
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What is PCSB Financial current dividend yield, its reliability and sustainability?
Dividend Score 1/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PCSB's dividend (1.47%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.57%).
High Dividend: PCSB's dividend (1.47%) is low compared to the top 25% of dividend payers in the US market (4.24%).
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 4 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (23.3%), 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 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
Joseph Roberto (68 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 ($USD909.51K) is below average for companies of similar size in the US market ($USD1.69M).
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 (5.9 years average tenure).
Experienced Board: PCSB's board of directors are considered experienced (9.4 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.
PCSB Financial Corporation's employee growth, exchange listings and data sources
- Name: PCSB Financial Corporation
- Ticker: PCSB
- Exchange: NasdaqCM
- Founded: 1871
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$275.215m
- Shares outstanding: 14.40m
- Website: https://www.pcsb.com
Number of Employees
- PCSB Financial Corporation
- 2651 Strang Boulevard
- Suite 100
- Yorktown Heights
- New York
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 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.