Pioneer Bancorp, Inc. (PBFS)

NASDAQ: PBFS · IEX Real-Time Price · USD
9.81
-0.09 (-0.91%)
Mar 28, 2024, 4:00 PM EDT - Market closed

Total Valuation

PBFS has a market cap or net worth of $257.18 million. The enterprise value is $117.55 million.

Market Cap 257.18M
Enterprise Value 117.55M

Important Dates

The next estimated earnings date is Monday, May 13, 2024, after market close.

Earnings Date May 13, 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 (%) 55.53%
Owned by Institutions (%) 24.16%
Float 6.39M

Valuation Ratios

The trailing PE ratio is 14.48.

PE Ratio 14.48
Forward PE n/a
PS Ratio 3.28
Forward PS n/a
PB Ratio 0.91
P/FCF Ratio 9.68
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.83, with an EV/FCF ratio of 4.43.

EV / Earnings 6.86
EV / Sales 1.50
EV / EBITDA 4.83
EV / EBIT 5.41
EV / FCF 4.43

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 6.30% and return on invested capital (ROIC) is 6.04%.

Return on Equity (ROE) 6.30%
Return on Assets (ROA) 0.90%
Return on Capital (ROIC) 6.04%
Revenue Per Employee $299,134
Profits Per Employee $65,427
Employee Count 262
Asset Turnover 0.04
Inventory Turnover n/a

Taxes

In the past 12 months, PBFS has paid $4.57 million in taxes.

Income Tax 4.57M
Effective Tax Rate 21.05%

Stock Price Statistics

The stock price has decreased by -1.62% in the last 52 weeks. The beta is 0.45, so PBFS's price volatility has been lower than the market average.

Beta (1Y) 0.45
52-Week Price Change -1.62%
50-Day Moving Average 9.52
200-Day Moving Average 9.15
Relative Strength Index (RSI) 58.62
Average Volume (30 Days) 13,686

Short Selling Information

The latest short interest is 44,811, so 0.17% of the outstanding shares have been sold short.

Short Interest 44,811
Short Previous Month 43,686
Short % of Shares Out 0.17%
Short % of Float 0.70%
Short Ratio (days to cover) 3.90

Income Statement

In the last 12 months, PBFS had revenue of $78.37 million and earned $17.14 million in profits. Earnings per share was $0.69.

Revenue 78.37M
Gross Profit 78.37M
Operating Income 21.71M
Pretax Income 21.71M
Net Income 17.14M
EBITDA 24.34M
EBIT 21.71M
Earnings Per Share (EPS) $0.69
Full Income Statement

Balance Sheet

The company has $139.63 million in cash and no debt, giving a net cash position of $139.63 million or $5.38 per share.

Cash & Cash Equivalents 139.63M
Total Debt n/a
Net Cash 139.63M
Net Cash Per Share $5.38
Equity / Book Value 283.80M
Book Value Per Share 10.92
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $27.47 million and capital expenditures -$907,000, giving a free cash flow of $26.56 million.

Operating Cash Flow 27.47M
Capital Expenditures -907,000
Free Cash Flow 26.56M
FCF Per Share $1.05
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 27.70% and 21.87%.

Gross Margin 100.00%
Operating Margin 27.70%
Pretax Margin 27.70%
Profit Margin 21.87%
EBITDA Margin 31.06%
EBIT Margin 27.70%
FCF Margin 33.89%

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 6.67%
FCF Yield 10.33%

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