PCSB — Stock Film
STOCK FILMSCENE 1/11PCSB · $19.04
Stock Expert AI presents
PCSB
PCSB Financial Corporation
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
PCSB Financial Corporation. A quick introduction.

On the stock market since 2017, it operates in the world of money and finance. It has 154 employees. Now — the numbers.

on the stock market since 2017
154 employees
$0 market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $26 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 26%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
72%Deposit Account
Deposit Account 72%Debit Card 26%Mortgage Banking 1%
72% of all revenue comes from a single line: Deposit Account.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing — but slowly for a company this size.

Average growth of 6% a year over the last 4 years. Every year shown ended in profit.

$44.2M
2018
$45.8M
2019
$49.7M
2020
$49.8M
2021
$56.3M
2022
Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
8 / 8
EXPECTATIONS MET OR BEATEN
8
Jan 2021
Apr 2021
Aug 2021
Oct 2021
Jan 2022
Apr 2022
Aug 2022
Oct 2022
8 TIMES IN THE LAST 8 QUARTERS
It clears the bar, quarter after quarter.
What executives did with their own stock over the last 12 months:
111 buy32 sell

Executives buying with their own money is usually read as confidence in the company’s future.

THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 26% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Delivers on expectations

It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

Over the last 12 months, company executives reported 111 buys and 32 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/1
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, PCSB sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: PCSB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film