Pioneer Bancorp Inc. (PBFS)
Pioneer Bancorp Statistics
Share Statistics
Pioneer Bancorp has 25.85M shares outstanding. The number of shares has increased by -0.5% in one year.
| Shares Outstanding | 25.85M |
| Shares Change (YoY) | -0.5% |
| Shares Change (QoQ) | -0.48% |
| Owned by Institutions (%) | 24.96% |
| Shares Floating | 11.15M |
| Failed to Deliver (FTD) Shares | 200 |
| FTD / Avg. Volume | 0.95% |
Short Selling Information
The latest short interest is 47.04K, so 0.19% of the outstanding shares have been sold short.
| Short Interest | 47.04K |
| Short % of Shares Out | 0.19% |
| Short % of Float | 0.45% |
| Short Ratio (days to cover) | 2.71 |
Valuation Ratios
The PE ratio is 17.15 and the forward PE ratio is null. Pioneer Bancorp's PEG ratio is -0.57.
| PE Ratio | 17.15 |
| Forward PE | n/a |
| PS Ratio | 3.53 |
| Forward PS | n/a |
| PB Ratio | 0.88 |
| P/FCF Ratio | 11.38 |
| PEG Ratio | -0.57 |
Enterprise Valuation
Pioneer Bancorp has an Enterprise Value (EV) of 225.58M.
| EV / Sales | 3.04 |
| EV / EBITDA | 0 |
| EV / EBIT | 9.46 |
| EV / FCF | 9.8 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0 |
| Debt / EBITDA | - |
| Debt / FCF | 0.03 |
| Interest Coverage | 0.62 |
Financial Efficiency
Return on Equity is 5.15% and Return on Invested Capital is 0.62%.
| Return on Equity | 5.15% |
| Return on Assets | 0.81% |
| Return on Invested Capital | 0.62% |
| Revenue Per Employee | $272.77K |
| Profits Per Employee | $56.1K |
| Employee Count | 272 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 4.15M |
| Effective Tax Rate | 21.38% |
Stock Price Statistics
The stock price has increased by 22.89% in the last 52 weeks. The beta is 0.28, so Pioneer Bancorp's price volatility has been higher than the market average.
| Beta | 0.28 |
| 52-Week Price Change | 22.89% |
| 50-Day Moving Average | 11.62 |
| 200-Day Moving Average | 11.31 |
| Relative Strength Index (RSI) | 40.44 |
| Average Volume (20 Days) | 20.95K |
Income Statement
In the last 12 months, Pioneer Bancorp had revenue of 74.19M and earned 15.26M in profits. Earnings per share was 0.61.
| Revenue | 74.19M |
| Gross Profit | 74.19M |
| Operating Income | 13.46M |
| Net Income | 15.26M |
| EBITDA | 0 |
| EBIT | 13.46M |
| Earnings Per Share (EPS) | 0.61 |
Balance Sheet
The company has 36.94M in cash and 756K in debt, giving a net cash position of 36.18M.
| Cash & Cash Equivalents | 36.94M |
| Total Debt | 756K |
| Net Cash | 36.18M |
| Retained Earnings | 187.73M |
| Total Assets | 2.01B |
| Working Capital | 1.75B |
Cash Flow
In the last 12 months, operating cash flow was 23.85M and capital expenditures -838K, giving a free cash flow of 23.01M.
| Operating Cash Flow | 23.85M |
| Capital Expenditures | -838K |
| Free Cash Flow | 23.01M |
| FCF Per Share | 0.91 |
Margins
Gross margin is 100%, with operating and profit margins of 18.14% and 20.57%.
| Gross Margin | 100% |
| Operating Margin | 18.14% |
| Pretax Margin | 26.16% |
| Profit Margin | 20.57% |
| EBITDA Margin | n/a |
| EBIT Margin | 18.14% |
| FCF Margin | 31.01% |
Dividends & Yields
PBFS does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 5.83% |
| FCF Yield | 8.79% |
Analyst Forecast
Currently there are no analyst rating for PBFS.
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
Scores
| Altman Z-Score | 1.35 |
| Piotroski F-Score | 4 |