PBFS Pioneer Bancorp Inc

Price (delayed)

$8.54

Market cap

$221.85M

P/E Ratio

10.54

Dividend/share

N/A

EPS

$0.81

Enterprise value

$5.31M

As a leading financial institution in New York's Capital Region, Pioneer Bank has more than $1 billion in assets and operates 22 branches locally. Recognized as a "Best Places to ...

Highlights
The P/E is 89% lower than the 5-year quarterly average of 95.7 and 22% lower than the last 4 quarters average of 13.3
The revenue is up by 29% year-on-year
Pioneer Bancorp's EPS has increased by 42% YoY but it has decreased by 7% from the previous quarter
PBFS's net income is up by 42% YoY but it is down by 8% QoQ

Key stats

What are the main financial stats of PBFS
Market
Shares outstanding
25.98M
Market cap
$221.85M
Enterprise value
$5.31M
Valuations
Price to earnings (P/E)
10.54
Price to book (P/B)
0.82
Price to sales (P/S)
2.69
EV/EBIT
0.21
EV/EBITDA
0.19
EV/Sales
0.07
Earnings
Revenue
$80.05M
EBIT
$25.67M
EBITDA
$28.35M
Free cash flow
$30M
Per share
EPS
$0.81
Free cash flow per share
$1.19
Book value per share
$10.46
Revenue per share
$3.18
TBVPS
$77.36
Balance sheet
Total assets
$1.96B
Total liabilities
$1.69B
Debt
$0
Equity
$271.77M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.64
Margins
EBITDA margin
35.4%
Gross margin
100%
Net margin
25.2%
Operating margin
32.1%
Efficiency
Return on assets
1.1%
Return on equity
7.7%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
32.1%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

PBFS stock price

How has the Pioneer Bancorp stock price performed over time
Intraday
2.15%
1 week
0.23%
1 month
3.77%
1 year
-26.57%
YTD
-25.09%
QTD
0%

Financial performance

How have Pioneer Bancorp's revenue and profit performed over time
Revenue
$80.05M
Gross profit
$80.05M
Operating income
$25.67M
Net income
$20.13M
Gross margin
100%
Net margin
25.2%
The operating income has grown by 42% YoY but it has contracted by 8% from the previous quarter
PBFS's net income is up by 42% YoY but it is down by 8% QoQ
The revenue is up by 29% year-on-year
Pioneer Bancorp's gross profit has increased by 29% YoY

Growth

What is Pioneer Bancorp's growth rate over time

Valuation

What is Pioneer Bancorp stock price valuation
P/E
10.54
P/B
0.82
P/S
2.69
EV/EBIT
0.21
EV/EBITDA
0.19
EV/Sales
0.07
The P/E is 89% lower than the 5-year quarterly average of 95.7 and 22% lower than the last 4 quarters average of 13.3
Pioneer Bancorp's EPS has increased by 42% YoY but it has decreased by 7% from the previous quarter
The P/B is 33% below the 5-year quarterly average of 1.2 and 20% below the last 4 quarters average of 1.0
Pioneer Bancorp's equity has increased by 12% YoY
The P/S is 45% below the 5-year quarterly average of 4.8 and 18% below the last 4 quarters average of 3.2
The revenue is up by 29% year-on-year

Efficiency

How efficient is Pioneer Bancorp business performance
The ROA has soared by 57% YoY but it has contracted by 8% from the previous quarter
Pioneer Bancorp's return on equity has increased by 31% YoY but it has decreased by 10% QoQ
PBFS's ROIC is up by 25% YoY but it is down by 12% QoQ
Pioneer Bancorp's ROS has increased by 11% YoY but it has decreased by 8% from the previous quarter

Dividends

What is PBFS's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for PBFS.

Financial health

How did Pioneer Bancorp financials performed over time
Pioneer Bancorp's total assets is 16% more than its total liabilities
The total liabilities has declined by 7% year-on-year but it is up by 6% since the previous quarter
Pioneer Bancorp's total assets has increased by 6% from the previous quarter but it has decreased by 5% YoY
The debt is 100% less than the equity
Pioneer Bancorp's equity has increased by 12% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.