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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.08
PULB's Cash to Debt is ranked lower than
51% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.37 vs. PULB: 0.08 )
PULB' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.08

Equity to Asset 0.08
PULB's Equity to Asset is ranked higher than
58% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PULB: 0.08 )
PULB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.24
Current: 0.08

0.06
0.24
Interest Coverage 3.11
PULB's Interest Coverage is ranked higher than
82% of the 1886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.43 vs. PULB: 3.11 )
PULB' s 10-Year Interest Coverage Range
Min: 0.09   Max: 3.11
Current: 3.11

0.09
3.11
F-Score: 2
Z-Score: 0.22
WACC vs ROIC
4.49%
3.94%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 32.17
PULB's Operating margin (%) is ranked higher than
78% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.23 vs. PULB: 32.17 )
PULB' s 10-Year Operating margin (%) Range
Min: 5.77   Max: 40.95
Current: 32.17

5.77
40.95
Net-margin (%) 21.74
PULB's Net-margin (%) is ranked higher than
75% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.13 vs. PULB: 21.74 )
PULB' s 10-Year Net-margin (%) Range
Min: 5.35   Max: 26.39
Current: 21.74

5.35
26.39
ROE (%) 10.27
PULB's ROE (%) is ranked higher than
83% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.70 vs. PULB: 10.27 )
PULB' s 10-Year ROE (%) Range
Min: 2.78   Max: 16.77
Current: 10.27

2.78
16.77
ROA (%) 0.86
PULB's ROA (%) is ranked higher than
76% of the 2048 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. PULB: 0.86 )
PULB' s 10-Year ROA (%) Range
Min: 0.23   Max: 1.5
Current: 0.86

0.23
1.5
ROC (Joel Greenblatt) (%) 99.18
PULB's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.54 vs. PULB: 99.18 )
PULB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.3   Max: 333.33
Current: 99.18

7.3
333.33
Revenue Growth (3Y)(%) -6.60
PULB's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1760 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PULB: -6.60 )
PULB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -39.6   Max: 103.4
Current: -6.6

-39.6
103.4
EBITDA Growth (3Y)(%) 9.80
PULB's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.30 vs. PULB: 9.80 )
PULB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -36.1   Max: 110.5
Current: 9.8

-36.1
110.5
EPS Growth (3Y)(%) 17.00
PULB's EPS Growth (3Y)(%) is ranked higher than
85% of the 1607 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.80 vs. PULB: 17.00 )
PULB' s 10-Year EPS Growth (3Y)(%) Range
Min: -48.5   Max: 114
Current: 17

-48.5
114
» PULB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

PULB Guru Trades in Q1 2014

Arnold Schneider 82,281 sh (+147.98%)
Jim Simons 22,460 sh (-9.07%)
» More
Q2 2014

PULB Guru Trades in Q2 2014

Arnold Schneider 89,245 sh (+8.46%)
Jim Simons 11,900 sh (-47.02%)
» More
Q3 2014

PULB Guru Trades in Q3 2014

Jim Simons 14,300 sh (+20.17%)
Arnold Schneider 81,462 sh (-8.72%)
» More
Q4 2014

PULB Guru Trades in Q4 2014

Jim Simons 19,500 sh (+36.36%)
Arnold Schneider 75,922 sh (-6.80%)
» More
» Details

Insider Trades

Latest Guru Trades with PULB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
PULB's P/E(ttm) is ranked higher than
84% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.90 vs. PULB: 12.80 )
PULB' s 10-Year P/E(ttm) Range
Min: 9.26   Max: 112.24
Current: 12.8

9.26
112.24
Forward P/E 10.41
PULB's Forward P/E is ranked higher than
87% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.73 vs. PULB: 10.41 )
N/A
PE(NRI) 12.80
PULB's PE(NRI) is ranked higher than
86% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.90 vs. PULB: 12.80 )
PULB' s 10-Year PE(NRI) Range
Min: 9.26   Max: 446
Current: 12.8

9.26
446
P/B 1.30
PULB's P/B is ranked higher than
70% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. PULB: 1.30 )
PULB' s 10-Year P/B Range
Min: 0.59   Max: 3.31
Current: 1.3

0.59
3.31
P/S 2.70
PULB's P/S is ranked higher than
76% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. PULB: 2.70 )
PULB' s 10-Year P/S Range
Min: 1   Max: 5.17
Current: 2.7

1
5.17
EV-to-EBIT 19.25
PULB's EV-to-EBIT is ranked higher than
78% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.72 vs. PULB: 19.25 )
PULB' s 10-Year EV-to-EBIT Range
Min: -1121.7   Max: 564.3
Current: 19.25

-1121.7
564.3
PEG 0.61
PULB's PEG is ranked higher than
96% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PULB: 0.61 )
PULB' s 10-Year PEG Range
Min: 0.18   Max: 131.74
Current: 0.61

0.18
131.74
Shiller P/E 22.10
PULB's Shiller P/E is ranked higher than
81% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PULB: 22.10 )
PULB' s 10-Year Shiller P/E Range
Min: 6.51   Max: 36.12
Current: 22.1

6.51
36.12
Days Sales Outstanding 19.79
PULB's Days Sales Outstanding is ranked higher than
96% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PULB: 19.79 )
PULB' s 10-Year Days Sales Outstanding Range
Min: 17.99   Max: 60.1
Current: 19.79

17.99
60.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
PULB's Dividend Yield is ranked higher than
66% of the 1924 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.44 vs. PULB: 3.10 )
PULB' s 10-Year Dividend Yield Range
Min: 1.41   Max: 7.68
Current: 3.1

1.41
7.68
Dividend Payout 0.41
PULB's Dividend Payout is ranked higher than
72% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. PULB: 0.41 )
PULB' s 10-Year Dividend Payout Range
Min: 0.18   Max: 9.5
Current: 0.41

0.18
9.5
Yield on cost (5-Year) 3.10
PULB's Yield on cost (5-Year) is ranked higher than
59% of the 1933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. PULB: 3.10 )
PULB' s 10-Year Yield on cost (5-Year) Range
Min: 1.24   Max: 7.68
Current: 3.1

1.24
7.68
Share Buyback Rate -1.70
PULB's Share Buyback Rate is ranked higher than
72% of the 1468 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.10 vs. PULB: -1.70 )
PULB' s 10-Year Share Buyback Rate Range
Min: 41.2   Max: -86.9
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
PULB's Price/Tangible Book is ranked higher than
75% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. PULB: 1.33 )
PULB' s 10-Year Price/Tangible Book Range
Min: 0.63   Max: 3.39
Current: 1.33

0.63
3.39
Price/DCF (Projected) 0.49
PULB's Price/DCF (Projected) is ranked higher than
93% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PULB: 0.49 )
PULB' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 277.67
Current: 0.49

0.19
277.67
Price/Median PS Value 1.28
PULB's Price/Median PS Value is ranked higher than
71% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. PULB: 1.28 )
PULB' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 11.66
Current: 1.28

0.52
11.66
Price/Peter Lynch Fair Value 0.51
PULB's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PULB: 0.51 )
PULB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.39   Max: 4.66
Current: 0.51

0.39
4.66
Price/Graham Number 0.86
PULB's Price/Graham Number is ranked higher than
82% of the 2685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PULB: 0.86 )
PULB' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 2.4
Current: 0.86

0.47
2.4
Earnings Yield (Greenblatt) 5.20
PULB's Earnings Yield (Greenblatt) is ranked higher than
73% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PULB: 5.20 )
PULB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 8.9
Current: 5.2

0.2
8.9
Forward Rate of Return (Yacktman) 64.16
PULB's Forward Rate of Return (Yacktman) is ranked higher than
94% of the 1318 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. PULB: 64.16 )
PULB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -69.2   Max: 92.8
Current: 64.16

-69.2
92.8

Analyst Estimate

Sep15 Sep16
EPS($) 1.06 1.17
EPS without NRI($) 1.06 1.17

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Pulaski Financial Corp is the holding company for Pulaski Bank. Pulaski Bank provides various financial products and services for businesses and retail customers mainly through its thirteen full-service offices in the St. Louis metropolitan area and six loan production offices in the St. Louis, and Kansas City metropolitan areas and Wichita, Kansas. It is mainly engaged in attracting deposits from individuals and businesses and using these deposits, together with borrowed funds, to originate mainly one-to four-family residential mortgage loans, home equity lines of credit, commercial real estate and commercial and industrial loans mainly within its St. Louis lending market. In addition, the Bank originates one-to four-family residential mortgage loans in its Kansas City and Wichita markets. It faces competition from commercial banks, other thrift institutions and credit unions located in its market area. Pulaski Bank is subject to extensive regulation, examination and supervision by the OCC, as its main federal regulator, and the FDIC, as the deposit insurer.
» More Articles for PULB

Headlines

Articles On GuruFocus.com
Top Insider Buys of the Week Oct 04 2013 
Pulaski Financial Corp. (PULB) CEO Gary W Douglass buys 2,000 Shares Sep 08 2010 

More From Other Websites
Pulaski Financial Declares Quarterly Cash Dividend March 25, 2015 Mar 26 2015
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10-Q for Pulaski Financial Corp. Feb 08 2015
PULASKI FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Feb 06 2015
PULASKI FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Feb 02 2015
Pulaski Financial posts 1Q profit Jan 27 2015
Pulaski Financial posts 1Q profit Jan 27 2015
Pulaski Financial Reports 30% Increase in First Quarter EPS Jan 27 2015
Pulaski Financial to Host Conference Call & Webcast Discussing Results for First Quarter Ending... Jan 26 2015
PULASKI FINANCIAL CORP Files SEC form 10-K, Annual Report Dec 12 2014
Pulaski Financial Declares Quarterly Cash Dividend for January 2015 Dec 12 2014
Pulaski Financial Declares Quarterly Cash Dividend Dec 10 2014
Pulaski Financial Announces Date Of 2015 Annual Meeting Dec 04 2014
Pulaski Financial Announces Date of 2015 Annual Meeting Dec 03 2014
PULASKI FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 30 2014
Pulaski Financial Reports 19% Growth In Diluted Earnings Per Share For Fiscal Year 2014 Versus 2014 Oct 29 2014
Pulaski Financial Reports 19% Growth in Diluted Earnings Per Share for Fiscal Year 2014 versus 2013 Oct 28 2014
Pulaski Financial to Host Conference Call & Webcast Discussing Fourth Quarter Ending September 30,... Oct 27 2014

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