PCSB Financial Corp
Financials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | $1.6M | $1.3M | — |
| Operating income | — | — | — | — | — | — |
| Net income | $14.9M | $12.4M | $9.4M | $8.3M | $6.6M | $1.9M |
| Total assets | $1.99B | $1.87B | $1.79B | $1.64B | $1.48B | $1.43B |
| Total liabilities | $1.71B | $1.60B | $1.52B | $1.36B | $1.19B | $1.15B |
| Equity | $277.2M | $274.6M | $273.7M | $281.3M | $287.6M | $279.8M |
| EPS (diluted) | $1.04 | $0.84 | $0.60 | $0.50 | $0.39 | $0.10 |
| Shares out. | 15.3M | 15.6M | 16.8M | 17.7M | 18.2M | 18.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.4%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.1%
- Debt / equity
- 6.18×
- Book value / share
- $18.07
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 19.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2022- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jun 27, 2018
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Results of operationsOct 27, 2022
- Shareholder voteSep 22, 2022
- Other material eventSep 14, 2022
- Results of operationsAug 4, 2022
- Entered a material agreement · Regulation FD disclosure · Other material eventMay 24, 2022
- Results of operationsApr 28, 2022
- Results of operationsJan 27, 2022
- Shareholder vote · Regulation FD disclosureOct 28, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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