Pioneer Bancorp Statistics
Total Valuation
Pioneer Bancorp has a market cap or net worth of $444.04 million. The enterprise value is $274.87 million.
| Market Cap | 444.04M |
| Enterprise Value | 274.87M |
Important Dates
The last earnings date was Friday, October 30, 2026, after market close.
| Earnings Date | Oct 30, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Pioneer Bancorp has 24.22 million shares outstanding. The number of shares has decreased by -1.26% in one year.
| Current Share Class | 24.22M |
| Shares Outstanding | 24.22M |
| Shares Change (YoY) | -1.26% |
| Shares Change (QoQ) | +0.03% |
| Owned by Insiders (%) | 2.16% |
| Owned by Institutions (%) | 15.93% |
| Float | 7.55M |
Valuation Ratios
The trailing PE ratio is 35.28.
| PE Ratio | 35.28 |
| Forward PE | n/a |
| PS Ratio | 4.31 |
| Forward PS | n/a |
| PB Ratio | 1.37 |
| P/TBV Ratio | 1.56 |
| P/FCF Ratio | 12.80 |
| P/OCF Ratio | 12.01 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 21.81 |
| EV / Sales | 2.67 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.93 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.27 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.50 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 3.95%.
| Return on Equity (ROE) | 3.95% |
| Return on Assets (ROA) | 0.52% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.53% |
| Revenue Per Employee | $383,208 |
| Profits Per Employee | $46,848 |
| Employee Count | 269 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Pioneer Bancorp has paid $3.28 million in taxes.
| Income Tax | 3.28M |
| Effective Tax Rate | 20.66% |
Stock Price Statistics
The stock price has increased by +37.82% in the last 52 weeks. The beta is 0.43, so Pioneer Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.43 |
| 52-Week Price Change | +37.82% |
| 50-Day Moving Average | 17.97 |
| 200-Day Moving Average | 16.18 |
| Relative Strength Index (RSI) | 53.88 |
| Average Volume (20 Days) | 12,606 |
Short Selling Information
The latest short interest is 107,166, so 0.44% of the outstanding shares have been sold short.
| Short Interest | 107,166 |
| Short Previous Month | 126,911 |
| Short % of Shares Out | 0.44% |
| Short % of Float | 1.42% |
| Short Ratio (days to cover) | 8.32 |
Income Statement
In the last 12 months, Pioneer Bancorp had revenue of $103.08 million and earned $12.60 million in profits. Earnings per share was $0.52.
| Revenue | 103.08M |
| Gross Profit | 103.08M |
| Operating Income | 26.07M |
| Pretax Income | 15.88M |
| Net Income | 12.60M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.52 |
Balance Sheet
The company has $256.01 million in cash and $86.84 million in debt, with a net cash position of $169.17 million or $6.98 per share.
| Cash & Cash Equivalents | 256.01M |
| Total Debt | 86.84M |
| Net Cash | 169.17M |
| Net Cash Per Share | $6.98 |
| Equity (Book Value) | 323.30M |
| Book Value Per Share | 13.35 |
| Working Capital | -1.95B |
Cash Flow
In the last 12 months, operating cash flow was $36.96 million and capital expenditures -$2.28 million, giving a free cash flow of $34.68 million.
| Operating Cash Flow | 36.96M |
| Capital Expenditures | -2.28M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 74.99M |
| Free Cash Flow | 34.68M |
| FCF Per Share | $1.43 |
Margins
| Gross Margin | n/a |
| Operating Margin | 25.29% |
| Pretax Margin | 15.41% |
| Profit Margin | 12.23% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 33.64% |
Dividends & Yields
Pioneer Bancorp does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| FCF Payout Ratio | n/a |
| Buyback Yield | 1.26% |
| Shareholder Yield | 1.26% |
| Earnings Yield | 2.83% |
| FCF Yield | 7.81% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
| Graham Formula Value | |
| Graham Formula Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |