Pioneer Bancorp Inc.

11.21
-0.28 (-2.44%)
At close: Apr 03, 2025, 3:59 PM
11.23
0.18%
After-hours: Apr 03, 2025, 04:02 PM EDT

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 0.91%

Short Selling Information

The latest short interest is 27.48K, so 0.11% of the outstanding shares have been sold short.

Short Interest 27.48K
Short % of Shares Out 0.11%
Short % of Float 0.25%
Short Ratio (days to cover) 1.34

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 null
PB Ratio 0.88
P/FCF Ratio 11.38
PEG Ratio -0.57
Financial Ratio History

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 20.54% 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 20.54%
50-Day Moving Average 11.74
200-Day Moving Average 11.23
Relative Strength Index (RSI) 34.03
Average Volume (20 Days) 21.88K

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 19.41M
Earnings Per Share (EPS) 0.61
Full Income Statement

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
Full Balance Sheet

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
Full Cash Flow Statement

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%
Dividend Details

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
Stock Forecasts

Scores

Altman Z-Score 1.35
Piotroski F-Score 5