Pioneer Bancorp, Inc. (PBFS)
NASDAQ: PBFS · Real-Time Price · USD
13.26
-0.11 (-0.82%)
At close: Sep 12, 2025, 4:00 PM EDT
13.35
+0.09 (0.68%)
After-hours: Sep 12, 2025, 4:57 PM EDT

Pioneer Bancorp Statistics

Total Valuation

Pioneer Bancorp has a market cap or net worth of $328.51 million. The enterprise value is $215.11 million.

Market Cap328.51M
Enterprise Value 215.11M

Important Dates

The next estimated earnings date is Tuesday, November 11, 2025, after market close.

Earnings Date Nov 11, 2025
Ex-Dividend Date n/a

Share Statistics

Pioneer Bancorp has 24.61 million shares outstanding. The number of shares has decreased by -1.37% in one year.

Current Share Class 24.61M
Shares Outstanding 24.61M
Shares Change (YoY) -1.37%
Shares Change (QoQ) -1.48%
Owned by Insiders (%) 1.94%
Owned by Institutions (%) 16.22%
Float 7.75M

Valuation Ratios

The trailing PE ratio is 14.67.

PE Ratio 14.67
Forward PE n/a
PS Ratio 3.62
Forward PS n/a
PB Ratio 1.06
P/TBV Ratio 1.09
P/FCF Ratio 16.57
P/OCF Ratio 14.35
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 9.45
EV / Sales 2.35
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 10.85

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 0.44
Interest Coverage n/a

Financial Efficiency

Return on Equity (ROE) n/a
Return on Assets (ROA) n/a
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $327,487
Profits Per Employee $81,595
Employee Count279
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, Pioneer Bancorp has paid $6.53 million in taxes.

Income Tax 6.53M
Effective Tax Rate 22.28%

Stock Price Statistics

The stock price has increased by +20.88% in the last 52 weeks. The beta is 0.42, so Pioneer Bancorp's price volatility has been lower than the market average.

Beta (5Y) 0.42
52-Week Price Change +20.88%
50-Day Moving Average 12.64
200-Day Moving Average 11.85
Relative Strength Index (RSI) 63.09
Average Volume (20 Days) 21,358

Short Selling Information

The latest short interest is 52,670, so 0.21% of the outstanding shares have been sold short.

Short Interest 52,670
Short Previous Month 59,760
Short % of Shares Out 0.21%
Short % of Float 0.68%
Short Ratio (days to cover) 2.37

Income Statement

In the last 12 months, Pioneer Bancorp had revenue of $91.37 million and earned $22.77 million in profits. Earnings per share was $0.91.

Revenue91.37M
Gross Profit 91.37M
Operating Income 30.14M
Pretax Income 20.10M
Net Income 22.77M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $0.91
Full Income Statement

Balance Sheet

The company has $122.17 million in cash and $8.77 million in debt, giving a net cash position of $113.40 million or $4.61 per share.

Cash & Cash Equivalents 122.17M
Total Debt 8.77M
Net Cash 113.40M
Net Cash Per Share $4.61
Equity (Book Value) 314.25M
Book Value Per Share 12.64
Working Capital -1.62B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $22.90 million and capital expenditures -$3.08 million, giving a free cash flow of $19.82 million.

Operating Cash Flow 22.90M
Capital Expenditures -3.08M
Free Cash Flow 19.82M
FCF Per Share $0.81
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 32.98%
Pretax Margin 32.06%
Profit Margin 24.92%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 21.69%

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
Buyback Yield 1.37%
Shareholder Yield 1.37%
Earnings Yield 6.93%
FCF Yield 6.03%

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) 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

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 3