Partners Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Partners Bancorp (PTRS) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Partners Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 65M vs 585,573M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.2% annualized vs trailing 12 months), vs decelerating (-19.0%) for its tracked peer group.
- Growth: Partners Bancorp generated 4.4% revenue growth year over year in Q3 2023, vs 2.1% for its tracked competitors combined.
- Profitability: Its 27.2% net margin compares with 11.5% for the peer group.
- Peer revenue share: Partners Bancorp accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.58M compares with $1.89M for the peer group (0.3x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PTRS Sales vs. its Competitors, Q3 2023
Partners Bancorp reported revenue growth of 4.37 % year on year in Q3 2023, above its competitors' combined revenue growth of 2.07 %.
With a net margin of 27.24 %, Partners Bancorp achieved higher profitability than its competitors (11.52 %).
Partners Bancorp generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
Partners Bancorp vs. its Competitors, Q3 2023
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Partners Bancorp and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Partners Bancorp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (4) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Partners Bancorp's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 4.4% for Partners Bancorp. Partners Bancorp's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Partners Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Partners Bancorp | Yes | Yes | Yes | No |
| Competitors combined (30) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 0.00 % (0 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PTRS Stock Performance relative to its Competitors
PTRS Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Agba Acquisition Ltd | 282.9% | Outperformed |
| 2 | Encore Capital Group Inc | 282.9% | Outperformed |
| 3 | Bread Financial Holdings Inc | 282.9% | Outperformed |
| 4 | Discover Financial Services | 282.9% | Outperformed |
| 5 | Atlanticus Holdings Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Partners Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Partners Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Partners Bancorp | 128.66 | 65.38 |
| American Express Company | 207,998.07 | 114,611.00 |
| Chubb Limited | 130,758.44 | 60,822.00 |
| Equinix Inc | 100,233.44 | 9,663.00 |
| The Cigna Group | 71,752.79 | 282,382.00 |
| Aflac Incorporated | 57,408.38 | 18,069.00 |
| SUBTOTAL | 794,222.15 | 585,638.19 |
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Sources: Partners Bancorp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Partners Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Partners Bancorp's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Axis Capital Holdings Limited | Named by the company | 85% |
| Chubb Limited | Named by the company | 85% |
| Corebridge Financial Inc | Named by the company | 85% |
| Equinix Inc | Named by the company | 85% |
| First Northwest Bancorp | Named by the company | 85% |
| Affirm Holdings Inc | Named by the company | 85% |
| Atlanticus Holdings Corp | Named by the company | 85% |
| Bridge Investment Group Holdings Inc | Named by the company | 85% |
| Gpgi Inc | Named by the company | 85% |
| Aikido Pharma Inc | Named by the company | 85% |
| Federal Home Loan Bank Of Cincinnati | Named by the company | 85% |
| Ap Acquisition Corp | Named by the company | 85% |
| Bread Financial Holdings Inc | Named by the company | 85% |
| The Cigna Group | Named by the company | 85% |
| Discover Financial Services | Named by the company | 85% |
| Evercore Inc | Named by the company | 85% |
| Finance Of America Companies Inc | Named by the company | 85% |
| Agba Acquisition Ltd | Named by the company | 85% |
| American Express Company | Named by the company | 85% |
| The Baldwin Insurance Group Inc | Named by the company | 85% |
| Coinbase Global Inc | Named by the company | 85% |
| Encore Capital Group Inc | Named by the company | 85% |
| Flagstar Bank National Association | Named by the company | 85% |
| Aflac Incorporated | Named by the company | 85% |
| Alpha Partners Technology Merger Corp | Named by the company | 85% |
| Bgc Group Inc | Named by the company | 85% |
| Creative Media and Community Trust Corporation | Named by the company | 85% |
| Doma Holdings Inc | Named by the company | 85% |
| Four Corners Property Trust Inc | Named by the company | 85% |
| American International Group Inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Partners Bancorp's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Partners Bancorp's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Chubb Limited | Segment Insurance North American Commercial P&C 34.89 % |
| Equinix Inc | Americas 50.38 % |
| The Cigna Group | Evernorth 85.32 % |
| Aflac Incorporated | Aflac Japan 52.49 % |
| American International Group Inc | North America Operating 30.08 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Partners Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Partners Bancorp | 129 | 578,619 | 138,389 |
| American Express Company | 207,998 | 1,492,331 | 149,023 |
| Chubb Limited | 130,758 | 1,351,600 | 258,356 |
| Equinix Inc | 100,233 | 704,506 | 111,549 |
| The Cigna Group | 71,753 | 4,171,078 | 103,146 |
| Aflac Incorporated | 57,408 | 1,420,966 | 382,353 |
| PEERS TOTAL | 794,093 | 1,889,481 | 157,880 |
Partners Bancorp's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Coinbase Global Inc | UNITED STATES 83.82 % |
| Bgc Group Inc | EMEA 53.51 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Partners Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 64.41 % | 64.14 % (avg) | +0.3 pp |
| Operating Margin | 32.06 % | industry median | -4.7 pp |
| EBITDA Margin | 40.66 % | 49.90 % (avg) | -9.2 pp |
| Capital Intensity (Capex / Revenue) | 0.89 % | 3.18 % (avg) | -2.3 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Partners Bancorp's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 8.6x | 15.6x | -6.9x |
| EV / EBITDA | 5.7x | 6.2x | -0.5x |
| P/B | 1.0x | 1.3x | -0.3x |
| Return on Equity | 11.01 % | industry aggregate | -2.23 % |
| Return on Invested Capital | 1.23 % | 3.20 % (avg) | -1.97 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Partners Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|
| Revenue Growth | - | - | - | 33.26 % |
| Operating Margin | - | 17.69 % | - | 30.07 % |
| Return on Invested Capital | - | 2.03 % | - | 1.72 % |
| P/E | - | 20.2x | 23.8x | 11.6x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Partners Bancorp's Strategic Group Map
Every company in Partners Bancorp's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Partners Bancorp is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Partners Bancorp's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.89 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Partners Bancorp's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Partners Bancorp's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Partners Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Partners Bancorp falls in the High attractiveness / Medium strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Partners Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-19.0% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Partners Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Partners Bancorp | - | 1.16 | 0.38 |
| American Express Company | 0.08 | 0.60 | 1.76 |
| Chubb Limited | - | 1.58 | 0.22 |
| Equinix Inc | 0.40 | 1.29 | 0.37 |
| The Cigna Group | 0.12 | 0.82 | 0.76 |
| Aflac Incorporated | 0.08 | 2.34 | 0.28 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Partners Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Partners Bancorp | Q3 2023 | +4.4 % | +10.0 % |
| American Express Company | Q2 2026 | -34.8 % | +7.8 % |
| Chubb Limited | Q1 2026 | +10.6 % | +74.8 % |
| Equinix Inc | Q2 2026 | +10.1 % | +30.0 % |
| The Cigna Group | Q2 2026 | +6.7 % | +22.4 % |
| Aflac Incorporated | Q2 2026 | -1.0 % | +37.7 % |
| PEERS TOTAL | -2.2 % | +24.3 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Partners Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Partners Bancorp | Q3 2023 | -99.5 % | +38.9 % |
| American Express Company | Q2 2026 | -22.8 % | +45.1 % |
| Chubb Limited | Q1 2026 | +45.5 % | - |
| Equinix Inc | Q2 2026 | +13.5 % | +56.8 % |
| The Cigna Group | Q2 2026 | +6.4 % | - |
| Aflac Incorporated | Q2 2026 | +5.7 % | - |
Partners Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Partners Bancorp | 1.01% | 1.00% | 11.01% |
| American Express Company | 3.77% | 5.24% | 34.12% |
| Chubb Limited | 4.31% | 7.30% | 14.91% |
| Equinix Inc | 3.82% | 4.23% | 10.74% |
| The Cigna Group | 4.46% | 6.88% | 16.50% |
| Aflac Incorporated | 4.13% | 9.64% | 16.42% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Partners Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Partners Bancorp | 8.21 | 1.97 |
| American Express Company | 18.63 | 1.81 |
| Chubb Limited | 11.75 | 2.15 |
| Equinix Inc | 65.06 | 10.37 |
| The Cigna Group | 11.27 | 0.25 |
| Aflac Incorporated | 12.25 | 3.18 |
| PEERS AVERAGE | 16.23 | 1.36 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.