On the stock market since 1995, it operates in the world of money and finance. It has 172 employees. Now — the numbers.
The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.
Revenue is spread across several business lines; no single line carries the company.
Average growth of 12% a year over the last 4 years. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades 27% below its peak. The market has trimmed its expectations for the company.
Sales run at $79.1M a year. A small number, but proof the product has real buyers.
Over the last 12 months, company executives reported 20 buys and 17 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.40 per share each year — regular cash for whoever holds the stock.
A loss of $3.4M against $79.1M in annual sales. And on top of that, sales fell from the year before.
The growth engine is running at low revs right now. Report-card grade: 15/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 25/100.
On our five-subject report card, PBHC sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: PBHC is a high-risk stock — not yet profitable, and its future rides on its product catching on.