Head-To-Head Comparison: PCSB Financial (PCSB) vs. Its Peers

PCSB Financial (NASDAQ: PCSB) is one of 27 publicly-traded companies in the “Retail & Mortgage Banks” industry, but how does it weigh in compared to its rivals? We will compare PCSB Financial to related companies based on the strength of its profitability, analyst recommendations, institutional ownership, valuation, risk, dividends and earnings.

Analyst Ratings

This is a summary of current ratings and recommmendations for PCSB Financial and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 0 1 0 3.00
PCSB Financial Competitors 136 499 552 18 2.38

PCSB Financial currently has a consensus target price of $19.00, suggesting a potential downside of 4.52%. As a group, “Retail & Mortgage Banks” companies have a potential upside of 18.59%. Given PCSB Financial’s rivals higher probable upside, analysts clearly believe PCSB Financial has less favorable growth aspects than its rivals.

Earnings and Valuation

This table compares PCSB Financial and its rivals gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
PCSB Financial $45.04 million $3.22 million 99.50
PCSB Financial Competitors $423.56 million $4.14 million 272.53

PCSB Financial’s rivals have higher revenue and earnings than PCSB Financial. PCSB Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

40.2% of PCSB Financial shares are owned by institutional investors. Comparatively, 51.5% of shares of all “Retail & Mortgage Banks” companies are owned by institutional investors. 1.6% of PCSB Financial shares are owned by company insiders. Comparatively, 11.7% of shares of all “Retail & Mortgage Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares PCSB Financial and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PCSB Financial 7.60% 3.45% 0.50%
PCSB Financial Competitors 18.83% 6.34% 1.10%

Summary

PCSB Financial rivals beat PCSB Financial on 10 of the 12 factors compared.

About PCSB Financial

PCSB Financial Corporation will be the holding company of PCSB Bank (the Bank). The Bank is a mutual savings bank. The Bank attracts deposits from the general public and utilizes those funds primarily to originate and purchase residential real estate, commercial real estate and business loans, and to purchase investment securities. As of September 30, 2016, the Bank had consolidated total assets of $1.25 billion, total deposits of $1.12 billion and equity of $111.5 million. The Bank’s provides commercial lending and deposit opportunities for its customers. The Bank operates in 15 locations, offices located in Dutchess, Putnam, Rockland and Westchester Counties in New York. The Bank’s subsidiaries include PCSB Commercial Bank, PCSB Funding Corp. and PCSB Realty Ltd.

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