Pioneer Bancorp Statistics

Total Valuation

PBFS has a market cap or net worth of $285.24 million. The enterprise value is $38.69 million.

Market Cap	285.24M
Enterprise Value	38.69M

Important Dates

The next estimated earnings date is Wednesday, August 14, 2024, after market close.

Earnings Date	Aug 14, 2024
Ex-Dividend Date	n/a

Share Statistics

PBFS has 25.98 million shares outstanding. The number of shares has increased by 0.20% in one year.

Shares Outstanding	25.98M
Shares Change (YoY)	+0.20%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	56.80%
Owned by Institutions (%)	24.43%
Float	5.98M

Valuation Ratios

The trailing PE ratio is 17.16.

PE Ratio	17.16
Forward PE	n/a
PS Ratio	3.61
Forward PS	n/a
PB Ratio	0.99
P/FCF Ratio	10.36
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.70, with an EV/FCF ratio of 1.41.

EV / Earnings	2.44
EV / Sales	0.49
EV / EBITDA	1.70
EV / EBIT	1.93
EV / FCF	1.41

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 5.70% and return on invested capital (ROIC) is 5.48%.

Return on Equity (ROE)	5.70%
Return on Assets (ROA)	0.80%
Return on Capital (ROIC)	5.48%
Revenue Per Employee	$283,484
Profits Per Employee	$56,763
Employee Count	279
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, PBFS has paid $4.26 million in taxes.

Income Tax	4.26M
Effective Tax Rate	21.21%

Stock Price Statistics

The stock price has increased by +13.08% in the last 52 weeks. The beta is 0.50, so PBFS's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	+13.08%
50-Day Moving Average	10.07
200-Day Moving Average	9.36
Relative Strength Index (RSI)	63.02
Average Volume (20 Days)	42,889

Short Selling Information

The latest short interest is 35,864, so 0.14% of the outstanding shares have been sold short.

Short Interest	35,864
Short Previous Month	33,344
Short % of Shares Out	0.14%
Short % of Float	0.60%
Short Ratio (days to cover)	0.94

Income Statement

In the last 12 months, PBFS had revenue of $79.09 million and earned $15.84 million in profits. Earnings per share was $0.64.

Revenue	79.09M
Gross Profit	79.09M
Operating Income	20.10M
Pretax Income	20.10M
Net Income	15.84M
EBITDA	22.71M
EBIT	20.10M
Earnings Per Share (EPS)	$0.64

Full Income Statement

Balance Sheet

The company has $246.54 million in cash and no debt, giving a net cash position of $246.54 million or $9.49 per share.

Cash & Cash Equivalents	246.54M
Total Debt	n/a
Net Cash	246.54M
Net Cash Per Share	$9.49
Equity (Book Value)	288.96M
Book Value Per Share	11.12
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $28.45 million and capital expenditures -$918,000, giving a free cash flow of $27.53 million.

Operating Cash Flow	28.45M
Capital Expenditures	-918,000
Free Cash Flow	27.53M
FCF Per Share	$1.09

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 25.41% and 20.02%.

Gross Margin	100.00%
Operating Margin	25.41%
Pretax Margin	25.41%
Profit Margin	20.02%
EBITDA Margin	28.71%
EBIT Margin	25.41%
FCF Margin	34.80%

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
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.20%
Shareholder Yield	-0.20%
Earnings Yield	5.55%
FCF Yield	9.65%

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

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	5