PTRS · Partners Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|
| Revenue | - | - | - | - |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| R&D | - | - | - | - |
| SG&A | - | - | - | - |
| Total Operating Expenses | - | - | - | - |
| D&A | $1.84M | $1.66M | $1.50M | $925.0K |
| Operating Income | $18.00M | $8.05M | $8.05M | $7.84M |
| Interest Expense | $6.66M | $8.92M | $12.21M | $5.36M |
| Income Tax | $4.51M | $2.25M | $1.72M | $2.36M |
| Net Income | $13.62M | $7.41M | $5.67M | $5.48M |
| EPS - Basic | $0.76 | $0.42 | $0.32 | $0.57 |
| EPS - Diluted | $0.76 | $0.42 | $0.32 | $0.56 |
Balance Sheet
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|
| Cash & Equivalents | $141.59M | $338.83M | $282.61M | $95.11M |
| Accounts Receivable | - | - | - | - |
| Inventory | - | - | - | - |
| Accounts Payable | - | - | - | - |
| Current Assets | - | - | - | - |
| Total Assets | $1.57B | $1.64B | $1.51B | $1.25B |
| Current Liabilities | - | - | - | - |
| Long-term Debt | $84.63M | $49.24M | $99.45M | - |
| Total Liabilities | $1.44B | $1.50B | $1.38B | $1.12B |
| Stockholders' Equity | $139.33M | $141.37M | $136.69M | $49.07M |
| Retained Earnings | $62.85M | $51.30M | $45.67M | $41.78M |
Cash Flow
| Line item | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|
| Operating Cash Flow | $20.77M | $18.51M | $2.36M | $8.91M |
| Investing Cash Flow | ($147.60M) | ($84.78M) | ($70.02M) | ($32.95M) |
| Financing Cash Flow | ($70.41M) | $122.49M | $255.16M | $21.15M |
| CapEx | $547.0K | $2.39M | $3.19M | $1.45M |
| Free Cash Flow | $20.23M | $16.12M | ($828.0K) | $7.46M |
Ratios
| Metric | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|
| Profitability | ||||
| Gross margin | - | - | - | - |
| Operating margin | - | - | - | - |
| EBITDA margin | - | - | - | - |
| Net margin | - | - | - | - |
| Free cash flow margin | - | - | - | - |
| FCF / Net income | 1.49 | 2.18 | -0.15 | 1.36 |
| R&D / Revenue | - | - | - | - |
| SG&A / Revenue | - | - | - | - |
| Effective tax rate | 24.9% | 23.3% | 23.3% | 30.1% |
| Return on assets | 0.9% | 0.5% | 0.4% | 0.4% |
| Return on equity | 9.8% | 5.2% | 4.1% | 11.2% |
| Return on invested capital | 6.0% | 3.2% | 2.6% | - |
| Liquidity | ||||
| Current ratio | - | - | - | - |
| Quick ratio | - | - | - | - |
| Cash ratio | - | - | - | - |
| Leverage | ||||
| Debt / Equity | 0.61 | 0.35 | 0.73 | - |
| Debt / Assets | 0.05 | 0.03 | 0.07 | - |
| Debt / EBITDA | 4.27 | 5.07 | 10.42 | - |
| Interest coverage | 2.7x | 0.9x | 0.7x | 1.5x |
| Equity multiplier | 11.30 | 11.64 | 11.08 | 25.53 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.90 |
| Efficiency | ||||
| Asset turnover | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days inventory outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Cash conversion cycle | - | - | - | - |
| Valuation | ||||
| P / E | - | - | - | - |
| P / B | - | - | - | - |
| P / S | - | - | - | - |
| EV / EBITDA | - | - | - | - |
| Growth | ||||
| Revenue growth (YoY) | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - |
| Operating income growth (YoY) | 123.7% | 0.0% | 2.6% | - |
| Net income growth (YoY) | 83.7% | 30.7% | 3.4% | - |
| EPS growth (YoY) | 82.0% | 30.8% | -43.7% | - |
| EPS CAGR (3y) | 10.2% | - | - | - |
| EPS CAGR (5y) | - | - | - | - |
| FCF growth (YoY) | 25.5% | - | - | - |
| FCF CAGR (5y) | - | - | - | - |
| Book value growth (YoY) | -1.4% | 3.4% | 178.6% | - |
Stability scores
Piotroski F-score
FY 2022 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing PARTNERS BANCORP against the 5 most active filers in the same SIC group.