PBFS Pioneer Bancorp Inc
Price (delayed)
$10.99
Market cap
$285.49M
P/E Ratio
17.17
Dividend/share
N/A
EPS
$0.64
Enterprise value
$38.95M
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
Pioneer Bancorp's equity has increased by 11% YoY
Pioneer Bancorp's gross profit has increased by 3.4% YoY
The P/E is 80% lower than the 5-year quarterly average of 86.7 but 35% higher than the last 4 quarters average of 12.7
Pioneer Bancorp's EPS has decreased by 20% YoY and by 7% from the previous quarter
PBFS's net income is down by 20% YoY and by 8% QoQ
Key stats
What are the main financial stats of PBFS
Market
Valuations
Earnings
Shares outstanding
25.98M
Market cap
$285.49M
Enterprise value
$38.95M
Price to earnings (P/E)
17.17
Price to book (P/B)
0.99
Price to sales (P/S)
3.5
EV/EBIT
1.94
EV/EBITDA
1.72
EV/Sales
0.49
Revenue
$79.09M
EBIT
$20.1M
EBITDA
$22.71M
Free cash flow
$27.53M
Per share
Balance sheet
Liquidity
EPS
$0.64
Free cash flow per share
$1.09
Book value per share
$11.12
Revenue per share
$3.14
TBVPS
$78.03
Total assets
$1.98B
Total liabilities
$1.69B
Debt
$0
Equity
$288.96M
Working capital
N/A
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-10.86
Margins
Efficiency
Dividend
EBITDA margin
28.7%
Gross margin
100%
Net margin
20%
Operating margin
25.4%
Return on assets
0.8%
Return on equity
5.7%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
25.4%
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
-0.36%
1 week
-0.09%
1 month
5.67%
1 year
24.18%
YTD
9.79%
QTD
9.79%
Financial performance
How have Pioneer Bancorp's revenue and profit performed over time
Revenue
$79.09M
Gross profit
$79.09M
Operating income
$20.1M
Net income
$15.84M
Gross margin
100%
Net margin
20%
The operating margin has declined by 23% year-on-year and by 8% since the previous quarter
The net margin has contracted by 23% YoY and by 9% from the previous quarter
The operating income has contracted by 20% YoY and by 7% from the previous quarter
PBFS's net income is down by 20% YoY and by 8% QoQ
Growth
What is Pioneer Bancorp's growth rate over time
Valuation
What is Pioneer Bancorp stock price valuation
P/E
17.17
P/B
0.99
P/S
3.5
EV/EBIT
1.94
EV/EBITDA
1.72
EV/Sales
0.49
The P/E is 80% lower than the 5-year quarterly average of 86.7 but 35% higher than the last 4 quarters average of 12.7
Pioneer Bancorp's EPS has decreased by 20% YoY and by 7% from the previous quarter
Pioneer Bancorp's equity has increased by 11% YoY
The P/B is 10% below the 5-year quarterly average of 1.1 but 10% above the last 4 quarters average of 0.9
The P/S is 24% below the 5-year quarterly average of 4.6 but 17% above the last 4 quarters average of 3.0
The revenue is up by 3.4% year-on-year
Efficiency
How efficient is Pioneer Bancorp business performance
Pioneer Bancorp's return on equity has decreased by 29% YoY and by 10% QoQ
Pioneer Bancorp's ROS has decreased by 23% YoY and by 8% from the previous quarter
The ROA has contracted by 20% YoY and by 11% from the previous quarter
PBFS's ROIC is down by 20% YoY and by 8% QoQ
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 17% more than its total liabilities
The total liabilities is up by 8% since the previous quarter and by 6% year-on-year
Pioneer Bancorp's total assets has increased by 7% from the previous quarter and by 6% YoY
The debt is 100% less than the equity
Pioneer Bancorp's equity has increased by 11% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.