PBFS Pioneer Bancorp Inc

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

Price (delayed)

$11.49

Market cap

$296.99M

P/E Ratio

15.74

Dividend/share

N/A

EPS

$0.73

Enterprise value

$240.47M

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 72% lower than the 5-year quarterly average of 56.3
Pioneer Bancorp's gross profit has increased by 9% YoY
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
25.85M
Market cap
$296.99M
Enterprise value
$240.47M
Valuations
Price to earnings (P/E)
15.74
Price to book (P/B)
0.98
Price to sales (P/S)
3.34
EV/EBIT
10.23
EV/EBITDA
9.24
EV/Sales
2.81
Earnings
Revenue
$85.68M
Gross profit
$85.68M
Operating income
$23.5M
Net income
$18.25M
EBIT
$23.5M
EBITDA
$26.03M
Free cash flow
$30.39M
Per share
EPS
$0.73
EPS diluted
$0.73
Free cash flow per share
$1.22
Book value per share
$11.73
Revenue per share
$3.44
TBVPS
$78.83
Balance sheet
Total assets
$1.98B
Total liabilities
$1.68B
Debt
$40M
Equity
$304.55M
Working capital
N/A
Liquidity
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.17
Margins
EBITDA margin
30.4%
Gross margin
100%
Net margin
21.3%
Operating margin
27.4%
Efficiency
Return on assets
0.9%
Return on equity
6.1%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
27.4%
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
-0.61%
1 week
-2.63%
1 month
-3.45%
1 year
21.85%
YTD
-0.26%
QTD
-1.88%

Financial performance

How have Pioneer Bancorp's revenue and profit performed over time
Revenue
$85.68M
Gross profit
$85.68M
Operating income
$23.5M
Net income
$18.25M
Gross margin
100%
Net margin
21.3%
Pioneer Bancorp's gross profit has increased by 9% YoY
The revenue is up by 9% year-on-year
The operating income has grown by 8% YoY
PBFS's net income is up by 6% YoY

Growth

What is Pioneer Bancorp's growth rate over time

Valuation

What is Pioneer Bancorp stock price valuation
PBFS P/E details
P/E
15.74
P/B
0.98
P/S
3.34
EV/EBIT
10.23
EV/EBITDA
9.24
EV/Sales
2.81
The P/E is 72% lower than the 5-year quarterly average of 56.3
Pioneer Bancorp's EPS has increased by 7% 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
Pioneer Bancorp's equity has increased by 7% YoY
The P/S is 18% below the 5-year quarterly average of 4.1 but 5% above the last 4 quarters average of 3.2
The revenue is up by 9% year-on-year

Efficiency

How efficient is Pioneer Bancorp business performance
Pioneer Bancorp's return on equity has decreased by 3.2% 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
Pioneer Bancorp's total assets has increased by 7% YoY
The total liabilities is up by 7% year-on-year but it has declined by 2.1% since the previous quarter
The debt is 87% less than the equity
Pioneer Bancorp's equity has increased by 7% YoY

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