PBFS Pioneer Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: PBFS

Price (delayed)

$9.15

Market cap

$237.7M

P/E Ratio

13.26

Dividend/share

N/A

EPS

$0.69

Enterprise value

$98.06M

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 14% YoY and by 4.4% QoQ
The P/E is 85% lower than the 5-year quarterly average of 90.9 but 11% higher than the last 4 quarters average of 11.9
PBFS's net income is up by 22% YoY but it is down by 15% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.pioneerbanking.com
Peers: NRIM NKSH

Key stats

What are the main financial stats of PBFS
Market
Shares outstanding
25.98M
Market cap
$237.7M
Enterprise value
$98.06M
Valuations
Price to earnings (P/E)
13.26
Price to book (P/B)
0.84
Price to sales (P/S)
2.94
EV/EBIT
4.52
EV/EBITDA
4.03
EV/Sales
1.25
Earnings
Revenue
$78.37M
EBIT
$21.71M
EBITDA
$24.34M
Free cash flow
$26.56M
Per share
EPS
$0.69
Free cash flow per share
$1.05
Book value per share
$10.92
Revenue per share
$3.11
TBVPS
$72.95
Balance sheet
Total assets
$1.85B
Total liabilities
$1.57B
Debt
$0
Equity
$283.8M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.74
Margins
EBITDA margin
31.1%
Gross margin
100%
Net margin
21.9%
Operating margin
27.7%
Efficiency
Return on assets
0.9%
Return on equity
6.3%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
27.7%
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
1.78%
1 week
1.67%
1 month
-1.93%
1 year
6.89%
YTD
-8.59%
QTD
-6.73%

Financial performance

How have Pioneer Bancorp's revenue and profit performed over time
Revenue
$78.37M
Gross profit
$78.37M
Operating income
$21.71M
Net income
$17.14M
Gross margin
100%
Net margin
21.9%
PBFS's net income is up by 22% YoY but it is down by 15% QoQ
The operating income has grown by 21% YoY but it has contracted by 15% from the previous quarter
The operating margin has declined by 14% since the previous quarter but it is up by 7% year-on-year
The net margin has contracted by 13% from the previous quarter but it has grown by 8% YoY

Growth

What is Pioneer Bancorp's growth rate over time

Valuation

What is Pioneer Bancorp stock price valuation
P/E
13.26
P/B
0.84
P/S
2.94
EV/EBIT
4.52
EV/EBITDA
4.03
EV/Sales
1.25
The P/E is 85% lower than the 5-year quarterly average of 90.9 but 11% higher than the last 4 quarters average of 11.9
Pioneer Bancorp's EPS has increased by 21% YoY but it has decreased by 15% from the previous quarter
The P/B is 30% below the 5-year quarterly average of 1.2 and 7% below the last 4 quarters average of 0.9
Pioneer Bancorp's equity has increased by 14% YoY and by 4.4% QoQ
The P/S is 37% below the 5-year quarterly average of 4.7 and 2% below the last 4 quarters average of 3.0
The revenue is up by 13% year-on-year but it is down by 2.1% since the previous quarter

Efficiency

How efficient is Pioneer Bancorp business performance
The ROA has grown by 29% YoY but it has contracted by 18% from the previous quarter
PBFS's ROIC is up by 18% YoY but it is down by 13% QoQ
Pioneer Bancorp's return on equity has decreased by 18% QoQ but it has increased by 9% YoY
Pioneer Bancorp's ROS has decreased by 14% from the previous quarter but it has increased by 7% YoY

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 18% more than its total liabilities
The total liabilities has declined by 7% since the previous quarter
Pioneer Bancorp's total assets has decreased by 6% from the previous quarter
The debt is 100% less than the equity
Pioneer Bancorp's equity has increased by 14% YoY and by 4.4% QoQ

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