PCSB Financial (PCSB) versus Its Rivals Head to Head Review

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

Insider and Institutional Ownership

40.2% of PCSB Financial shares are held by institutional investors. Comparatively, 51.4% of shares of all “Retail & Mortgage Banks” companies are held by institutional investors. 1.6% of PCSB Financial shares are held by company insiders. Comparatively, 11.5% of shares of all “Retail & Mortgage Banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Earnings and Valuation

This table compares PCSB Financial and its rivals top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
PCSB Financial $45.04 million $3.22 million 98.65
PCSB Financial Competitors $423.56 million $4.14 million 260.31

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.

Analyst Ratings

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 0 1 0 3.00
PCSB Financial Competitors 120 495 549 15 2.39

PCSB Financial currently has a consensus target price of $19.00, indicating a potential downside of 3.70%. As a group, “Retail & Mortgage Banks” companies have a potential upside of 19.48%. Given PCSB Financial’s rivals higher probable upside, analysts clearly believe PCSB Financial has less favorable growth aspects than its rivals.

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 19.91% 7.42% 1.14%

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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