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PBFS Pioneer Bancorp Inc
Price (delayed)
$11.44
Market cap
$297.14M
P/E Ratio
15.67
Dividend/share
N/A
EPS
$0.73
Enterprise value
$72.17M
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 12% YoY and by 2.5% QoQ
Pioneer Bancorp's gross profit has increased by 5% YoY and by 5% from the previous quarter
The P/E is 79% lower than the 5-year quarterly average of 75.6 but 2.4% higher than the last 4 quarters average of 15.3
Pioneer Bancorp's EPS has increased by 20% from the previous quarter but it has decreased by 10% YoY
Key stats
What are the main financial stats of PBFS
Market
Valuations
Earnings
Shares outstanding
25.97M
Market cap
$297.14M
Enterprise value
$72.17M
Price to earnings (P/E)
15.67
Price to book (P/B)
0.99
Price to sales (P/S)
3.4
EV/EBIT
3.1
EV/EBITDA
2.79
EV/Sales
0.86
Revenue
$84.32M
Gross profit
$84.32M
Net income
$18.15M
EBIT
$23.3M
EBITDA
$25.85M
Free cash flow
$12.73M
Per share
Balance sheet
Liquidity
EPS
$0.73
EPS diluted
$0.73
Free cash flow per share
$0.51
Book value per share
$11.61
Revenue per share
$3.36
TBVPS
$79.77
Total assets
$2.01B
Total liabilities
$1.71B
Debt
$0
Equity
$303.8M
Working capital
N/A
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-8.7
Margins
Efficiency
Dividend
EBITDA margin
30.7%
Gross margin
100%
Net margin
21.5%
Operating margin
27.6%
Return on assets
0.9%
Return on equity
6.2%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
27.6%
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
0.09%
1 week
1.15%
1 month
-2.89%
1 year
4.86%
YTD
14.29%
QTD
4.28%
Financial performance
How have Pioneer Bancorp's revenue and profit performed over time
Revenue
$84.32M
Gross profit
$84.32M
Operating income
$23.3M
Net income
$18.15M
Gross margin
100%
Net margin
21.5%
The operating income has grown by 20% from the previous quarter but it has contracted by 9% YoY
PBFS's net income is up by 19% QoQ but it is down by 10% YoY
The net margin has contracted by 15% YoY but it has grown by 13% from the previous quarter
The operating margin is up by 14% since the previous quarter but it has declined by 14% year-on-year
Growth
What is Pioneer Bancorp's growth rate over time
Valuation
What is Pioneer Bancorp stock price valuation
P/E
15.67
P/B
0.99
P/S
3.4
EV/EBIT
3.1
EV/EBITDA
2.79
EV/Sales
0.86
The P/E is 79% lower than the 5-year quarterly average of 75.6 but 2.4% higher than the last 4 quarters average of 15.3
Pioneer Bancorp's EPS has increased by 20% from the previous quarter but it has decreased by 10% YoY
Pioneer Bancorp's equity has increased by 12% YoY and by 2.5% QoQ
The P/B is 11% below the 5-year quarterly average of 1.1 but 9% above the last 4 quarters average of 0.9
The P/S is 23% below the 5-year quarterly average of 4.4 but 6% above the last 4 quarters average of 3.2
The revenue is up by 5% year-on-year and by 5% since the previous quarter
Efficiency
How efficient is Pioneer Bancorp business performance
Pioneer Bancorp's return on equity has decreased by 19% YoY but it has increased by 17% QoQ
PBFS's ROIC is up by 18% QoQ but it is down by 13% YoY
The ROA has contracted by 18% YoY but it has grown by 13% from the previous quarter
Pioneer Bancorp's ROS has increased by 14% from the previous quarter but it has decreased by 14% 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 is up by 7% since the previous quarter
Pioneer Bancorp's total assets has increased by 6% from the previous quarter and by 2.6% YoY
The debt is 100% less than the equity
Pioneer Bancorp's equity has increased by 12% YoY and by 2.5% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.