PCSB Financial Corporation

Symbol: PCSB

NASDAQ

19.04

USD

Market price today

  • 18.2850

    P/E Ratio

  • 0.9143

    PEG Ratio

  • 291.97M

    MRK Cap

  • 0.00%

    DIV Yield

PCSB Financial Corporation (PCSB) Stock Price & Analysis

Shares Outstanding

15.33M

Gross Profit Margin

0.98%

Operating Profit Margin

0.45%

Net Profit Margin

0.26%

Return on Assets

0.01%

Return on Equity

0.05%

Return on Capital Employed

0.01%

Company general description and statistics

Sector: Financial Services
Industry: Banks—Regional
CEO:Mr. Joseph D. Roberto
Full-time employees:154
City:Yorktown Heights
Address:2651 Strang Blvd Ste 100
IPO:2017-04-21
CIK:0001691337

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 company offers deposit products, including interest and non-interest bearing, time, and demand; checking, NOW, money market, savings, certificate of deposit, and individual retirement accounts; and online and mobile deposit services, as well as cash management services comprising escrow, sweep, and lockbox accounts. 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. In addition, the company is involved in investment activities. As of June 30, 2022, PCSB Financial Corporation offered its services from executive offices/headquarters and 14 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

General Outlook

In simple terms, PCSB Financial Corporation has 15.334 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 0.983% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.446%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.264%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.007% return, is a testament to PCSB Financial Corporation's adeptness in optimizing resource deployment. PCSB Financial Corporation's utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.054%. Furthermore, the proficiency of PCSB Financial Corporation in capital utilization is underscored by a remarkable 0.013% return on capital employed.

Stock Prices

PCSB Financial Corporation's stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $20.07, while its low point bottomed out at $19.79. This variance in figures offers investors a lucid insight into the roller-coaster ride that is PCSB Financial Corporation's stock market.

Profitability Ratios

PCSB profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 33.48% underscores its earnings before tax deductions. The effective tax rate stands at 21.00%, revealing its tax efficiency. The net income per EBT, 79.00%, and the EBT per EBIT, 75.11%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 44.57%, we grasp its operational profitability.

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Pretax Profit Margin33.48%
Effective Tax Rate21.00%
Net Income per EBT79.00%
EBT per EBIT75.11%
EBIT per Revenue44.57%

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 1.46, and free cash flow per share, 1.46, depict cash generation on a per-share basis. The cash per share value, 10.58, showcases liquidity position. A payout ratio of 0.24 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.37, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share1.46
Free Cash Flow per Share1.46
Cash per Share10.58
Payout Ratio0.24
Operating Cash Flow Sales Ratio0.37
Free Cash Flow to Operating Cash Flow Ratio1.00
Cash Flow Coverage Ratio0.43
Dividend Paid and Capex Coverage Ratio5.77
Dividend Payout Ratio0.01

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 2.43%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.17, we discern the balance between debt and equity financing. The long-term debt to capitalization, 14.85%, and total debt to capitalization, 14.85%, ratios shed light on its capital structure. An interest coverage of 4.02 indicates its ability to manage interest expenses.

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Debt Ratio2.43%
Debt Equity Ratio0.17
Long Term Debt to Capitalization14.85%
Total Debt to Capitalization14.85%
Interest Coverage4.02
Cash Flow to Debt Ratio0.43
Company Equity Multiplier7.18

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 3.94, provides a glimpse into top-line earnings distributed across each share. Net income per share, 1.04, reflects the portion of profit attributed to each share. The book value per share, 19.40, represents the net asset value distributed per share, while the tangible book value per share, 18.96, excludes intangible assets.

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Revenue Per Share3.94
Net Income Per Share1.04
Book Value Per Share19.40
Tangible Book Value Per Share18.96
Shareholders Equity Per Share19.40
Interest Debt Per Share3.82

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 204,578,391.8, captures the company's total value, considering both debt and equity. Income quality, 1.40, assesses the reliability of reported earnings.

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Enterprise Value204,578,391.8
Income Quality1.40
Sales General and Administrative to Revenue0.48
Intangibles to Total Assets0.31%
Stock-Based Compensation to Revenue9.03%
Graham Number21.32
Return on Tangible Assets0.75%
Graham Net Net-108.90
Working Capital1,516,509,000
Tangible Asset Value270,967,000
Net Current Asset Value-195,461,000
Average Receivables6,397,000
Days Sales Outstanding41
ROIC6.09%
ROE0.05%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 0.98, and the price to book ratio, 0.98, reflect the market's valuation relative to the company's book value.

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Price Book Value Ratio0.98
Price to Book Ratio0.98
Price Cash Flow Ratio13.07
Price Earnings to Growth Ratio0.91
Enterprise Value Multiple2.43
Price Fair Value0.98
Price to Operating Cash Flow Ratio13.07
Price to Tangible Book Ratio0.98
Enterprise Value to Sales3.64
Enterprise Value Over EBITDA7.30
EV to Operating Cash Flow9.83
Earnings Yield5.45%
Free Cash Flow Yield7.63%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of PCSB Financial Corporation (PCSB) on the NASDAQ in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 18.285 in 2024.

What is the ticker symbol of PCSB Financial Corporation stock?

The ticker symbol of PCSB Financial Corporation stock is PCSB.

What is company IPO date?

IPO date of PCSB Financial Corporation is 2017-04-21.

What is company current share price?

Current share price is 19.040 USD.

What is stock market cap today?

The market cap of stock today is 291965088.000.

What is PEG ratio in 2024?

The current 0.914 is 0.914 in 2024.

What is the number of employees in 2024?

In 2024 the company has 154.