Porter Bancorp

PBI Bank, Inc. is a Kentucky-based, community-focused financial institution with headquarters in Louisville, Ky. Through a network of banking centers across the Commonwealth, we provide our communities with a broad range of high-quality retail and business banking services while we work to develop deeply personal customer relationships.

We believe that banking is the fuel – the power – to help individuals and businesses realize what they imagine is possible. Through meaningful and steadfast relationships with our customers, we can help turn possibilities into achieving goals and aspirations. This powerful combination of relationships and possibilities is what creates true, enduring value for our customers, our communities, and our bank.

Our markets include metropolitan Louisville in Jefferson County and the surrounding counties of Henry and Bullitt, and extend south along the Interstate 65 corridor. We serve south central Kentucky and southern Kentucky with banking centers in Butler, Green, Hart, Edmonson, Barren, Warren, Ohio, and Daviess counties. We also have a banking center in Lexington, the second largest city in Kentucky.

Company Growth (employees)
Type
Public
HQ
Louisville, US
Founded
2005
Size (employees)
264 (est)
Porter Bancorp was founded in 2005 and is headquartered in Louisville, US

Porter Bancorp Office Locations

Porter Bancorp has an office in Louisville
Louisville, US (HQ)
2500 Eastpoint Pkwy

Porter Bancorp Data and Metrics

Porter Bancorp Financial Metrics

Porter Bancorp's revenue was reported to be $35.6 m in FY, 2016 which is a 3% decrease from the previous period.
USD

Revenue (FY, 2016)

35.6 m

Revenue growth (FY, 2015 - FY, 2016), %

(3%)

Net income (FY, 2016)

(2.8 m)

EBIT (FY, 2016)

32.1 m

Market capitalization (15-Aug-2017)

68.8 m

Cash (31-Dec-2016)

66.3 m

EV

24.9 m
Porter Bancorp's current market capitalization is $68.8 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

43.2 m39.5 m36.6 m35.6 m

Revenue growth, %

(9%)(7%)(3%)

Sales and marketing expense

16.5 m

General and administrative expense

3.5 m

Operating expense total

20 m

EBIT

32.1 m

EBIT margin, %

90%

Pre tax profit

(2.7 m)

Income tax expense

21 k

Net Income

(1.6 m)(11.2 m)(3.2 m)(2.8 m)
USDQ2, 2014Q3, 2014Q2, 2015

Sales and marketing expense

3.9 m4 m4 m

General and administrative expense

896 k857 k828 k

Operating expense total

4.8 m4.9 m4.9 m

EBIT

7.6 m7.3 m7.3 m

Pre tax profit

(381 k)(887 k)(2.1 m)

Income tax expense

(424 k)(38 k)(1.3 m)

Net Income

(244 k)(7.4 m)(2.1 m)
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

111.1 m80.2 m93.3 m66.3 m

PP&E

20 m19.5 m18.8 m17.8 m

Total Assets

1.1 b1 b948.7 m945.2 m

Accounts Payable

849.9 m

Total Debt

22.5 m

Total Liabilities

912.4 m

Preferred Stock

35 m35 m2.8 m2.8 m

Additional Paid-in Capital

20.9 m21.4 m23.7 m24.1 m

Retained Earnings

(130.2 m)(107.6 m)(110.8 m)(113.6 m)

Total Equity

35.9 m33.5 m32 m32.7 m

Debt to Equity Ratio

0.7 x

Debt to Assets Ratio

0 x

Financial Leverage

29.9 x30.4 x29.6 x28.9 x
USDQ2, 2014Q3, 2014Q2, 2015

Cash

102.3 m84.8 m71.4 m

PP&E

19.8 m19.6 m19.2 m

Total Assets

1.1 b1 b979.3 m

Accounts Payable

950.8 m933.5 m904.2 m

Preferred Stock

35 m35 m2.8 m

Additional Paid-in Capital

21.2 m21.4 m21.6 m

Retained Earnings

(132 m)(139.9 m)(109.1 m)

Total Equity

37.8 m29.3 m30 m

Financial Leverage

27.9 x35.1 x32.6 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

(1.6 m)(11.2 m)(3.2 m)(2.8 m)

Depreciation and Amortization

2 m1.7 m1.7 m1.7 m

Cash From Operating Activities

4.1 m6.1 m

Cash From Investing Activities

72.9 m(25.8 m)

Cash From Financing Activities

(63.8 m)(7.4 m)

Interest Paid

10.7 m9.5 m7.1 m5.3 m

Income Taxes Paid

(12.7 m)21 k
USDQ2, 2014Q3, 2014Q2, 2015

Net Income

(244 k)(7.4 m)(2.1 m)

Depreciation and Amortization

852 k1.3 m814 k

Cash From Operating Activities

1.1 m3 m2.1 m

Cash From Investing Activities

17.7 m13.7 m24.6 m

Cash From Financing Activities

(27.7 m)(43.1 m)(35.5 m)

Interest Paid

4.9 m7.2 m3.6 m
USDY, 2016

EV/EBIT

0.8 x

EV/CFO

4.1 x

Revenue/Employee

134.9 k

Debt/Equity

0.7 x

Financial Leverage

28.9 x

Porter Bancorp Market Value History

Traffic Overview of Porter Bancorp

Porter Bancorp Online and Social Media Presence

Porter Bancorp Company Life and Culture

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