Unlock Premium for Just $9.99/Month – Special Launch Offer, Limited Time Only Get Premium

PBFS Pioneer Bancorp Inc

Price (delayed)

$11.4

Market cap

$294.73M

P/E Ratio

14.81

Dividend/share

N/A

EPS

$0.77

Enterprise value

$155.1M

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 debt has plunged by 100% from the previous quarter
The P/E is 73% lower than the 5-year quarterly average of 54.2 and 6% lower than the last 4 quarters average of 15.7

Key stats

What are the main financial stats of PBFS
Market
Shares outstanding
25.85M
Market cap
$294.73M
Enterprise value
$155.1M
Valuations
Price to earnings (P/E)
14.81
Price to book (P/B)
0.95
Price to sales (P/S)
3.28
EV/EBIT
6.24
EV/EBITDA
5.67
EV/Sales
1.8
Earnings
Revenue
$86.2M
Gross profit
$86.2M
Operating income
$24.86M
Net income
$19.29M
EBIT
$24.86M
EBITDA
$27.34M
Free cash flow
$22.3M
Per share
EPS
$0.77
EPS diluted
$0.77
Free cash flow per share
$0.9
Book value per share
$12.02
Revenue per share
$3.47
TBVPS
$82.84
Balance sheet
Total assets
$2.07B
Total liabilities
$1.76B
Debt
$0
Equity
$310.7M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.11
Margins
EBITDA margin
31.7%
Gross margin
100%
Net margin
22.4%
Operating margin
28.8%
Efficiency
Return on assets
1%
Return on equity
6.3%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
28.8%
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
-1.55%
1 week
-0.09%
1 month
-3.06%
1 year
14.8%
YTD
-1.04%
QTD
-2.65%

Financial performance

How have Pioneer Bancorp's revenue and profit performed over time
Revenue
$86.2M
Gross profit
$86.2M
Operating income
$24.86M
Net income
$19.29M
Gross margin
100%
Net margin
22.4%
The operating income has grown by 24% YoY and by 6% from the previous quarter
PBFS's net income is up by 22% YoY and by 6% QoQ
The operating margin is up by 13% year-on-year and by 5% since the previous quarter
The net margin has grown by 12% YoY and by 5% from the previous quarter

Price vs fundamentals

How does PBFS's price correlate with its fundamentals

Growth

What is Pioneer Bancorp's growth rate over time

Valuation

What is Pioneer Bancorp stock price valuation
P/E
14.81
P/B
0.95
P/S
3.28
EV/EBIT
6.24
EV/EBITDA
5.67
EV/Sales
1.8
The P/E is 73% lower than the 5-year quarterly average of 54.2 and 6% lower than the last 4 quarters average of 15.7
Pioneer Bancorp's EPS has increased by 22% YoY and by 5% from the previous quarter
The P/B is 14% below the 5-year quarterly average of 1.1 but 6% above the last 4 quarters average of 0.9
Pioneer Bancorp's equity has increased by 8% YoY and by 2% QoQ
The P/S is 18% below the 5-year quarterly average of 4.0
The revenue is up by 9% year-on-year

Efficiency

How efficient is Pioneer Bancorp business performance
The ROA has grown by 25% YoY and by 11% from the previous quarter
PBFS's ROIC is up by 17% YoY and by 8% QoQ
Pioneer Bancorp's ROS has increased by 13% YoY and by 5% from the previous quarter
Pioneer Bancorp's return on equity has increased by 11% YoY and by 3.3% 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 18% more than its total liabilities
The total liabilities is up by 5% since the previous quarter and by 3.9% year-on-year
Pioneer Bancorp's total assets has increased by 4.5% from the previous quarter and by 4.4% YoY
The debt is 100% less than the equity
PBFS's debt to equity has dropped by 100% since the previous quarter
The debt has plunged by 100% from the previous quarter

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