PBFS

Pioneer Bancorp, Inc. [PBFS] Stock Forecast

Q: What is Pioneer Bancorp, Inc. stock symbol ?

Pioneer Bancorp, Inc. is a US stock, located in Albany of Ny and trading under the symbol PBFS

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PBFS Stock Summary

Earnings have grown 41.16% per last year.

EPS has been increasing for the past 3 years (Yearly statements)

PBFS has more than 18 years of cash runway (218 months)

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 quarters (Quarter statements)

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PBFS Financial details

Company Rating

Buy

Market Cap

234.06M

Income

17.14M

Revenue

80.66M

Book val./share

11.26

Cash/share

18.12

Dividend

Dividend %

Employees

262

Optionable

Shortable

Yes

Earnings

03 May 2024

P/E

12.01

Forward P/E

PEG

1.76

P/S

3.93

P/B

0.89

P/C

0.5

P/FCF

8.31

Quick Ratio

Current Ratio

Debt / Equity

LT Debt / Equity

EPS (TTM)

0.69

EPS next Y

EPS next Q

EPS this Y

112.2%

EPS next Y

EPS next 5Y

EPS last 5Y

25.45%

Revenue last 5Y

4.45%

Revenue Q/Q

1.07%

EPS Q/Q

-7.14%

SMA20

SMA50

-10%

SMA100

12.5%

Inst Own

22.95%

Inst Trans

0.93%

ROA

ROE

ROC

0.01%

Gross Margin

94%

Oper. Margin

43%

Profit Margin

32%

Payout

Shs Outstand

Shs Float

Target Price

52W Range

7.81-11.0

52W High

-17.45%

52W Low

+29.71%

RSI

Rel Volume

0.34

Avg Volume

13.83K

Volume

4.76K

Perf Week

-0.22%

Perf Month

-3.81%

Perf Quarter

10.33%

Perf Half Y

7.08%

Beta

0.454

Volatility

0.07%, 0.26%

Prev Close

0.61%

Price

9.08

Change

1.23%

PBFS Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-06-30

Metric	2019-06-30	2020-06-30	2021-06-30	2022-06-30	2023-06-30
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.47	2.58	2.3	2.25	3.17
Net income per share	0.73	-0.26	0.04	0.41	0.87
Operating cash flow per share	0.24	0.08	1.3	1.99	1.04
Free cash flow per share	0.15	0.01	1.28	1.96	1.03
Cash per share	12.45	9.25	23.51	34	23.04
Book value per share	5.2	8.95	9.49	9.65	10.6
Tangible book value per share	4.3	60.34	8.86	9.21	9.78
Share holders equity per share	5.2	8.95	9.49	9.65	10.6
Interest debt per share	0.17	0.19	0.08	0.06	0.24
Market cap	383.17M	228.87M	301.31M	246.29M	225.27M
Enterprise value	155.14M	73.35M	-23.47M	-126.31M	82.67M
P/E ratio	20.15	-35.16	279.77	23.96	10.26
Price to sales ratio	5.98	3.55	5.23	4.36	2.83
POCF ratio	62.52	113.02	9.23	4.93	8.58
PFCF ratio	99.65	710.79	9.4	5.01	8.73
P/B Ratio	2.84	1.02	1.27	1.02	0.84
PTB ratio	2.84	1.02	1.27	1.02	0.84
EV to sales	2.42	1.14	-0.41	-2.24	1.04
Enterprise value over EBITDA	4.98	-10.63	-4.25	-7.2	2.97
EV to operating cash flow	25.31	36.22	-0.72	-2.53	3.15
EV to free cash flow	40.35	227.8	-0.73	-2.57	3.2
Earnings yield	0.05	-0.03	0	0.04	0.1
Free cash flow yield	0.01	0	0.11	0.2	0.11
Debt to equity	0	0	0	0	0
Debt to assets	0	0	0	0	0
Net debt to EBITDA	-7.32	22.54	-58.87	-21.24	-5.12
Current ratio	0.35	30.26	0.52	1.11	1.32
Interest coverage	6.32	-2.07	1.26	10.11	5.07
Income quality	0.32	-0.31	30.32	4.86	1.2
Dividend Yield	0	0	0	0	0
Payout ratio	0	0	0	0	0
Sales general and administrative to revenue	0.36	0.39	0.48	0.4	0.37
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0.01
Capex to operating cash flow	-0.37	-0.84	-0.02	-0.02	-0.02
Capex to revenue	-0.04	-0.03	-0.01	-0.01	-0.01
Capex to depreciation	-0.81	-0.59	-0.21	-0.28	-0.17
Stock based compensation to revenue	0.04	0.02	0.01	0.01	0.01
Graham number	9.25	7.24	3.03	9.43	14.42
ROIC	0.17	-0.03	0	0.05	0.08
Return on tangible assets	0.01	0	0	0.01	0.01
Graham Net	-44.23	5.83	-45.37	-34.37	-20.68
Working capital	-622.14M	227M	-541.75M	134.4M	391.69M
Tangible asset value	111.83M	1.51B	222.01M	231.33M	246.26M
Net current asset value	-1.03B	227M	-971.68M	-313.76M	17.58M
Invested capital	0	0	0	0	0
Average receivables	4.11M	3.92M	3.76M	4.33M	5.91M
Average payables	0	3.88M	3.88M	0	0
Average inventory	-117.32M	-197.64M	-245M	-164.69M	493.25M
Days sales outstanding	24.91	19.63	25.65	29.89	32.95
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	41.6K
Receivables turnover	14.65	18.6	14.23	12.21	11.08
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0.01
ROE	0.14	-0.03	0	0.04	0.08
Capex per share	-0.09	-0.07	-0.02	-0.03	-0.02

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q2

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	0.12	0.83	0.77	0.8	0.81
Net income per share	0.25	0.24	0.18	0.14	0.13
Operating cash flow per share	0.09	0.09	0.54	0.49	-0.04
Free cash flow per share	0.09	0.09	0.53	0.48	-0.05
Cash per share	25.79	25.66	23.03	24.86	18.12
Book value per share	9.93	10.32	10.59	10.79	11.26
Tangible book value per share	9.49	9.89	9.78	10.22	10.7
Share holders equity per share	9.93	10.32	10.59	10.79	11.26
Interest debt per share	0.03	0.05	0.14	0.2	0.04
Market cap	286.79M	248.17M	225.38M	215.16M	252.33M
Enterprise value	145.53M	106.39M	82.78M	7.5M	122.32M
P/E ratio	11.6	10.3	12.5	15.73	19.76
Price to sales ratio	92.45	11.95	11.64	10.67	12.39
POCF ratio	121.98	106.56	16.52	17.29	-243.8
PFCF ratio	122.66	110.94	16.87	17.83	-210.98
P/B Ratio	1.15	0.95	0.85	0.79	0.89
PTB ratio	1.15	0.95	0.85	0.79	0.89
EV to sales	46.92	5.12	4.28	0.37	6
Enterprise value over EBITDA	15.3	11.91	12.99	1.74	30.47
EV to operating cash flow	61.9	45.68	6.07	0.6	-118.19
EV to free cash flow	62.25	47.56	6.2	0.62	-102.28
Earnings yield	0.02	0.02	0.02	0.02	0.01
Free cash flow yield	0.01	0.01	0.06	0.06	0
Debt to equity	0	0	0	0	0
Debt to assets	0	0	0	0	0
Net debt to EBITDA	-14.85	-15.88	-22.37	-48.19	-32.39
Current ratio	0	2.84	0.48	2.8	0.31
Interest coverage	10.45	6.55	2	1.01	13.16
Income quality	0.38	0.39	3.03	3.64	-0.32
Dividend Yield	0	0	0	0	0
Payout ratio	0	0	0	0	0
Sales general and administrative to revenue	2.45	0.36	0.36	0.13	0.39
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0.01
Capex to operating cash flow	-0.01	-0.04	-0.02	-0.03	0.16
Capex to revenue	0	0	-0.01	-0.02	-0.01
Capex to depreciation	-0.02	-0.14	-0.43	-0.56	-0.25
Stock based compensation to revenue	0.04	0.01	0.01	0.01	0.01
Graham number	7.41	7.46	6.53	5.74	5.66
ROIC	0.03	0.03	0.02	0.01	0.01
Return on tangible assets	0	0	0	0	0
Graham Net	-19.08	-19.4	-43.38	-22.62	-51.05
Working capital	1.6B	1.05B	-637.75M	1.1B	-327.15M
Tangible asset value	238.64M	248.87M	246.26M	257.54M	269.7M
Net current asset value	11.97M	21.36M	-1.01B	15.05M	-1.42B
Invested capital	0	0	0	0	0
Average receivables	6.71M	7.84M	7.67M	7.16M	7.4M
Average payables	0	0	0	0	0
Average inventory	246.01M	914.4M	385.17M	411.08M	309.56M
Days sales outstanding	218.18	35.33	33.44	31.81	33.92
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	42.03K	-7.14K	0	-6.71K
Receivables turnover	0.41	2.55	2.69	2.83	2.65
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	-0.01	0	-0.01
ROE	0.02	0.02	0.02	0.01	0.01
Capex per share	0	0	-0.01	-0.01	-0.01

PBFS Frequently Asked Questions

What is Pioneer Bancorp, Inc. stock symbol ?

Pioneer Bancorp, Inc. is a US stock , located in Albany of Ny and trading under the symbol PBFS

What is Pioneer Bancorp, Inc. stock quote today ?

Pioneer Bancorp, Inc. stock price is $9.08 today.

Is Pioneer Bancorp, Inc. stock public?

Yes, Pioneer Bancorp, Inc. is a publicly traded company.

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Company Profile

Volume Average 13.83K
Market Capitalization 234.06M
Employee 262
CEO Mr. Thomas L. Amell
Headquarters Albany,NY,US
IPO Date 2019-07-18
Website https://www.pioneerny.com

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.