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Pulaski Financial Corporation
(PULB)
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| Sector: |
Financial |
| Industry: |
Savings & Loans |
| Stock Type: | Aggressive Growth |
| Top Industry Grower: | OCFC |
PULB was last updated 16 days 16 hours 50 minutes ago. Use MrStockQuickie's
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The Numbers
| metric | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 |
|---|
| ROA * Leverage | 3.9% | 10.2% | 14.4% | 16.5% | 17.6% | 17.2% | 14.2% | 12.0% | 3.8% |
| Equity/Share | $3.47 | $3.88 | $4.08 | $4.55 | $5.12 | $6.04 | $8.42 | $8.08 | $8.24 |
| Earnings/Share | $0.11 | $0.36 | $0.49 | $0.67 | $0.67 | $0.85 | $1.01 | $0.88 | $0.28 |
| Net Int Income/Share | $0.98 | $1.09 | $1.26 | $1.69 | $2.00 | $2.64 | $2.76 | $2.90 | $3.56 |
| Fee Income/Share | $0.14 | $0.20 | $0.24 | $0.26 | $0.34 | $0.34 | $0.37 | $0.35 | $0.00 |
| Net Int Margin | 92.6% | 75.7% | 123.2% | 175.3% | 205.1% | 126.3% | 85.5% | 69.4% | 94.4% |
The Trends
long term trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
|---|
| 0% | 4% | 3% | 5% | 0% |
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growth acceleration trend
| ROA*L | BVPS | EPS | NIIPS | FIPS |
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| -3% | -4% | -17% | -2% | -4% |
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Quick Financial Health
ebit/interest [on debt]
| PULB | EQUITY_INDUSTRY | market |
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| -6,700.00 | -1.70 | 58.10 |
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equity/debt
| 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 |
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| 2.5 | 0.49 | 0.25 | 0.85 | 0.22 | 0.23 | 0.35 | 0.41 | 4.17 |
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growth
| 8 | 5 | 3 | 1 |
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| 7% | 37% | 162% | 908% |
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assets/liabilities
| 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 |
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| 1.12 | 1.12 | 1.1 | 1.1 | 1.07 | 1.07 | 1.09 | 1.08 | 1.07 |
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The Ratios
PEG
| Entity | Current | Next Year (Current PE) | Next Year (Forward PE) | Five Year |
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| PULB | -0.79 | 0.75 | 0.29 | 0.79 | | Industry | -0.10 | 0.93 | 0.61 | 6.15 | | Market | 0.40 | 0.68 | 0.69 | 1.07 |
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Valuations
| Entity | Price/Earnings | Price/Book | Price/Sales | Price/Cash Flow | Div. Yield (%) |
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| PULB | 20.5 | 0.7 | 1.5 | 12.6 | 6.4 | | Industry | -24.6 | 0.9 | 2.5 | 8.6 | 1.3 | | Market | 13.0 | 2.9 | 1.7 | 9.1 | 3.2 |
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The Pricing Metrics
Growth Rates
| Zacks | Reuters | Thomson Fin. | BVPS | EPS | NIIPS | FIPS |
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| 10.0% | 10.0% | 10.0% | 12.0% | 2.0% | 14.3% | 10.0% | | Next Year's Growth Estimate | 27.4% | | Priced-In Growth | 10.0% | | Intrinsic Growth | 10.0% |
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Mulitple History
| 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 |
|---|
| 20.3 | 33.4 | 11.0 | 12.3 | 11.7 | 17.4 | 17.4 | 16.8 | 17.5 | 38.3 | | Front Loaded Estimate | 21.5 | | High Growth Estimate | 20.0 | | Five Year Avgerage | 16.7 |
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Quality and Value
Quality (0-10)
| Inferior | Low | Below Avg. | Average | Above Avg. | High | Superior |
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| -6.9 | | | | | | |
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Valuations
| | PE | EPS | PRICE | VALUE/PRICE | MOS |
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| Current Price | 20.5 | $0.28 | $5.75 | 1.000 | 0.0% | | Intrinsic Value | 18.7 | $0.28 | $5.24 | 0.912 | -9.6% | | Price Adjusted for Industry | 22.9 | $0.28 | $6.41 | 1.114 | 10.3% | | Price Adjusted for Market | 9.0 | $0.28 | $2.52 | 0.438 | -128.3% | | EPS estimated FY08 Price | 29.4 | $0.65 | $19.12 | 3.325 | 69.9% | | Short % of Float | 1.1% |
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