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Pioneer Bancorp, Inc. PBFS

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Price alert · PBFS

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18.45 USD +0.42 +2.33%

At close · Nov 2

18.45 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
18.34 × 2
Ask
18.51 × 2
18.06 Day range 18.46
13.00 52-week range 19.91
YTD
+36.87%
1 year
+40.41%
Open
18.19
Prev close
18.03
Mkt cap
446.12M
Vol
16.51K
Avg vol
12.96K
EPS
0.70
P/E
26.36
Div yield
0.00%
More statistics
Low
18.06
High
18.46
Forward P/E
0.00
Beta
0.49
Short ratio
0.75
Inst. own
24.78%
Dividend
0.00
Ex-div date
50-d avg
11.47
200-d avg
10.48
1y target
0.00

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Financial health

Altman Z-Score

-0.53 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C-1 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 16.2×
FY 2017: 29.5×FY 2018: 14.3×FY 2019: 22.7×FY 2020: 43.6×FY 2021: 280×FY 2022: 23.9×FY 2023: 10.3×FY 2024: 17.0×FY 2025: 15.8×FY 2026: 16.2×
FY 2017 5y median 16.2× FY 2026
P/S 2.6×
FY 2017: 3.4×FY 2018: 2.8×FY 2019: 2.4×FY 2020: 3.3×FY 2021: 5.0×FY 2022: 4.3×FY 2023: 2.6×FY 2024: 2.7×FY 2025: 3.4×FY 2026: 2.6×
FY 2017 5y median 2.7× FY 2026
P/B 1.0×
FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 1.3×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.0×FY 2026: 1.0×
FY 2017 5y median 1.0× FY 2026
P/FCF 37.5×
FY 2017: 65.9×FY 2018: 11.0×FY 2019: 42.9×FY 2020: 711×FY 2021: 9.4×FY 2022: 5.0×FY 2023: 8.7×FY 2024: 11.4×FY 2025: 9.4×FY 2026: 37.5×
FY 2017 5y median 9.4× FY 2026
EV/EBITDA 7.0×
FY 2017: 12.2×FY 2018: 2.6×FY 2019: -5.8×FY 2020: 8.2×FY 2021: -4.3×FY 2022: -7.9×FY 2023: 2.5×FY 2024: 5.0×FY 2025: 72.8×FY 2026: 7.0×
FY 2017 5y median 5.0× FY 2026
EV/Sales 1.6×
FY 2017: 2.6×FY 2018: 0.9×FY 2019: -0.9×FY 2020: 1.1×FY 2021: -0.4×FY 2022: -2.2×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 2.1×FY 2026: 1.6×
FY 2017 5y median 1.1× FY 2026
FCF Yield 2.7%
FY 2017: 1.5%FY 2018: 9.1%FY 2019: 2.3%FY 2020: 0.1%FY 2021: 10.6%FY 2022: 20.0%FY 2023: 11.5%FY 2024: 8.8%FY 2025: 10.7%FY 2026: 2.7%
FY 2017 5y median 10.7% FY 2026

Profitability

Gross Margin 73.1%
FY 2017: 90.1%FY 2018: 91.3%FY 2019: 67.0%FY 2020: 83.4%FY 2021: 89.7%FY 2022: 98.4%FY 2023: 93.6%FY 2024: 75.2%FY 2025: 100.0%FY 2026: 73.1%
FY 2017 5y median 93.6% FY 2026
Operating Margin 20.9%
FY 2017: 17.2%FY 2018: 30.0%FY 2019: 11.7%FY 2020: 8.7%FY 2021: 4.5%FY 2022: 23.0%FY 2023: 32.7%FY 2024: 19.7%FY 2025: 37.3%FY 2026: 20.9%
FY 2017 5y median 23.0% FY 2026
Net Margin 16.0%
FY 2017: 11.6%FY 2018: 19.4%FY 2019: 10.7%FY 2020: 7.5%FY 2021: 1.8%FY 2022: 17.7%FY 2023: 25.8%FY 2024: 15.5%FY 2025: 21.8%FY 2026: 16.0%
FY 2017 5y median 17.7% FY 2026
ROE 6.3%
FY 2017: 5.4%FY 2018: 9.7%FY 2019: 5.9%FY 2020: 2.3%FY 2021: 0.5%FY 2022: 4.2%FY 2023: 8.2%FY 2024: 5.1%FY 2025: 6.1%FY 2026: 6.3%
FY 2017 5y median 6.1% FY 2026
ROIC 5.0%
FY 2017: 4.7%FY 2018: 8.9%FY 2019: 5.6%FY 2020: 2.1%FY 2021: 0.4%FY 2022: 3.7%FY 2023: 7.2%FY 2024: 4.5%FY 2025: 7.4%FY 2026: 5.0%
FY 2017 5y median 5.0% FY 2026
ROA 0.9%
FY 2017: 0.5%FY 2018: 0.9%FY 2019: 0.5%FY 2020: 0.3%FY 2021: 0.1%FY 2022: 0.5%FY 2023: 1.2%FY 2024: 0.8%FY 2025: 0.9%FY 2026: 0.9%
FY 2017 5y median 0.9% FY 2026

Growth (YoY)

Revenue 43.8%
FY 2017: 0.0%FY 2018: 22.2%FY 2019: 15.6%FY 2020: 0.9%FY 2021: -13.8%FY 2022: -3.0%FY 2023: 47.1%FY 2024: 15.9%FY 2025: -10.7%FY 2026: 43.8%
FY 2017 FY 2026
Operating Income -19.4%
FY 2017: 0.0%FY 2018: 113.4%FY 2019: -54.8%FY 2020: -25.5%FY 2021: -55.6%FY 2022: 401.4%FY 2023: 108.8%FY 2024: -30.3%FY 2025: 69.3%FY 2026: -19.4%
FY 2017 FY 2026
EPS (diluted) 9.2%
FY 2017: 0.0%FY 2018: 106.0%FY 2019: -36.9%FY 2020: -67.7%FY 2021: -79.5%FY 2022: 853.5%FY 2023: 112.2%FY 2024: -29.9%FY 2025: 24.6%FY 2026: 9.2%
FY 2017 FY 2026
Free Cash Flow -72.7%
FY 2017: 0.0%FY 2018: 499.8%FY 2019: -74.3%FY 2020: -91.6%FY 2021: 9855.6%FY 2022: 53.4%FY 2023: -47.5%FY 2024: -10.9%FY 2025: 39.9%FY 2026: -72.7%
FY 2017 FY 2026

Financial Health

Current Ratio 0.1×
FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×FY 2026: 0.1×
FY 2017 5y median 0.3× FY 2026
Quick Ratio 0.1×
FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×FY 2026: 0.1×
FY 2017 5y median 0.3× FY 2026
Debt / Equity 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×FY 2026: 0.0×
FY 2017 5y median 0.0× FY 2026
Net Debt / EBITDA -4.6×
FY 2017: -3.8×FY 2018: -5.4×FY 2019: -21.0×FY 2020: -17.5×FY 2021: -58.9×FY 2022: -23.2×FY 2023: -4.9×FY 2024: -6.9×FY 2025: -47.6×FY 2026: -4.6×
FY 2017 5y median -6.9× FY 2026
Interest Coverage 0.9×
FY 2017: 3.5×FY 2018: 5.6×FY 2019: 1.8×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 9.1×FY 2023: 5.1×FY 2024: 0.9×FY 2025: 2.3×FY 2026: 0.9×
FY 2017 5y median 2.3× FY 2026

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026

Annual · latest fiscal year ends 2025-12-31