PCSB Financial (PCSB) versus Meta Financial Group (CASH) Financial Contrast

PCSB Financial (NASDAQ: PCSB) and Meta Financial Group (NASDAQ:CASH) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, dividends, profitability, risk and earnings.

Profitability

This table compares PCSB Financial and Meta Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PCSB Financial 3.98% 3.05% 0.49%
Meta Financial Group 16.20% 16.05% 1.47%

Valuation and Earnings

This table compares PCSB Financial and Meta Financial Group’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PCSB Financial $45.04 million 8.15 $3.22 million N/A N/A
Meta Financial Group $280.27 million 3.77 $44.91 million $5.13 21.35

Meta Financial Group has higher revenue and earnings than PCSB Financial.

Dividends

Meta Financial Group pays an annual dividend of $0.52 per share and has a dividend yield of 0.5%. PCSB Financial does not pay a dividend. Meta Financial Group pays out 10.1% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations for PCSB Financial and Meta Financial Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 0 1 0 3.00
Meta Financial Group 0 0 4 0 3.00

PCSB Financial presently has a consensus price target of $19.00, indicating a potential downside of 5.89%. Meta Financial Group has a consensus price target of $116.25, indicating a potential upside of 6.16%. Given Meta Financial Group’s higher possible upside, analysts clearly believe Meta Financial Group is more favorable than PCSB Financial.

Insider and Institutional Ownership

40.5% of PCSB Financial shares are owned by institutional investors. Comparatively, 78.4% of Meta Financial Group shares are owned by institutional investors. 1.6% of PCSB Financial shares are owned by insiders. Comparatively, 5.4% of Meta Financial Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Meta Financial Group beats PCSB Financial on 10 of the 12 factors compared between the two stocks.

PCSB Financial Company Profile

PCSB Financial Corporation will be the holding company of PCSB Bank (the Bank). The Bank is a mutual savings bank. The Bank attracts deposits from the general public and utilizes those funds primarily to originate and purchase residential real estate, commercial real estate and business loans, and to purchase investment securities. As of September 30, 2016, the Bank had consolidated total assets of $1.25 billion, total deposits of $1.12 billion and equity of $111.5 million. The Bank’s provides commercial lending and deposit opportunities for its customers. The Bank operates in 15 locations, offices located in Dutchess, Putnam, Rockland and Westchester Counties in New York. The Bank’s subsidiaries include PCSB Commercial Bank, PCSB Funding Corp. and PCSB Realty Ltd.

Meta Financial Group Company Profile

Meta Financial Group, Inc. is a unitary savings and loan holding company. The Company operates through its banking subsidiary, MetaBank (the Bank). Its segments include Payments, Banking, and Corporate Services/Other. MetaBank is both a community-oriented financial institution offering a range of financial services to meet the needs of the communities it serves and a payments company providing services on a nationwide basis. It operates in both the banking and payments industries through MetaBank, its retail banking operation; Meta Payment Systems (MPS), its electronic payments division; AFS/IBEX Financial Services Inc. (AFS/IBEX), its insurance premium financing division, and Refund Advantage, EPS Financial, LLC (EPS) Financial and Specialty Consumer Services, its tax-related financial solutions divisions.

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