PBKC

Pioneer Bankcorp, Inc.

USD

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Price alert · PBKC

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85.21 USD 0.00 0.00%
As of Oct 29, 2026
98.94 Day range 98.94
69.50 52-week range 85.21
YTD
+22.61%
1 year
+21.73%
Open
98.94
Prev close
85.21
Mkt cap
93.88M
Vol
16
Avg vol
75
EPS
10.66
P/E
7.99
More statistics
Low
98.94
High
98.94

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Financial health

FMP rating

C+2 / 5 overall

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

Valuation

P/E 6.7×
FY 2019: 11.1×FY 2020: 8.3×FY 2021: 8.3×FY 2022: 7.3×FY 2023: 6.1×FY 2024: 6.1×FY 2025: 6.7×
FY 2019 5y median 6.7× FY 2025
P/S 1.8×
FY 2019: 2.1×FY 2020: 1.8×FY 2021: 2.0×FY 2022: 1.9×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.8×
FY 2019 5y median 1.8× FY 2025
P/B 1.1×
FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.1×
FY 2019 5y median 1.0× FY 2025
P/FCF 7.5×
FY 2019: 7.9×FY 2020: 7.4×FY 2021: 6.8×FY 2022: 5.6×FY 2023: 13.2×FY 2024: 6.4×FY 2025: 7.5×
FY 2019 5y median 6.8× FY 2025
EV/EBITDA 1.6×
FY 2019: -0.7×FY 2020: -3.0×FY 2021: -2.6×FY 2022: -4.9×FY 2023: 9.0×FY 2024: -1.2×FY 2025: 1.6×
FY 2019 5y median -1.2× FY 2025
EV/Sales 0.6×
FY 2019: -0.2×FY 2020: -0.9×FY 2021: -0.9×FY 2022: -1.8×FY 2023: 2.7×FY 2024: -0.4×FY 2025: 0.6×
FY 2019 5y median -0.4× FY 2025
FCF Yield 13.4%
FY 2019: 12.7%FY 2020: 13.4%FY 2021: 14.7%FY 2022: 18.0%FY 2023: 7.6%FY 2024: 15.7%FY 2025: 13.4%
FY 2019 5y median 14.7% FY 2025

Profitability

Gross Margin 78.3%
FY 2019: 89.3%FY 2020: 93.5%FY 2021: 95.5%FY 2022: 91.6%FY 2023: 80.0%FY 2024: 78.7%FY 2025: 78.3%
FY 2019 5y median 80.0% FY 2025
Operating Margin 34.2%
FY 2019: 25.3%FY 2020: 27.2%FY 2021: 30.8%FY 2022: 33.1%FY 2023: 28.0%FY 2024: 30.6%FY 2025: 34.2%
FY 2019 5y median 30.8% FY 2025
Net Margin 26.1%
FY 2019: 19.3%FY 2020: 21.0%FY 2021: 23.7%FY 2022: 25.6%FY 2023: 21.4%FY 2024: 23.4%FY 2025: 26.1%
FY 2019 5y median 23.7% FY 2025
ROE 15.6%
FY 2019: 9.7%FY 2020: 10.7%FY 2021: 11.4%FY 2022: 15.7%FY 2023: 14.3%FY 2024: 15.1%FY 2025: 15.6%
FY 2019 5y median 15.1% FY 2025
ROIC 1.4%
FY 2019: 8.4%FY 2020: 9.6%FY 2021: 9.2%FY 2022: 12.3%FY 2023: 4.6%FY 2024: 12.6%FY 2025: 1.4%
FY 2019 5y median 9.2% FY 2025
ROA 1.4%
FY 2019: 0.9%FY 2020: 0.9%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 1.1%FY 2024: 1.2%FY 2025: 1.4%
FY 2019 5y median 1.1% FY 2025

Growth (YoY)

Revenue 12.8%
FY 2019: 0.0%FY 2020: 11.0%FY 2021: 0.7%FY 2022: 21.8%FY 2023: 31.8%FY 2024: 11.9%FY 2025: 12.8%
FY 2019 FY 2025
Operating Income 26.2%
FY 2019: 0.0%FY 2020: 19.3%FY 2021: 14.2%FY 2022: 30.9%FY 2023: 11.6%FY 2024: 22.0%FY 2025: 26.2%
FY 2019 FY 2025
EPS (diluted) 29.3%
FY 2019: 0.0%FY 2020: 24.8%FY 2021: 13.7%FY 2022: 29.3%FY 2023: 11.4%FY 2024: 24.2%FY 2025: 29.3%
FY 2019 FY 2025
Free Cash Flow 21.6%
FY 2019: 0.0%FY 2020: -3.5%FY 2021: 24.4%FY 2022: 39.9%FY 2023: -61.2%FY 2024: 153.7%FY 2025: 21.6%
FY 2019 FY 2025

Financial Health

Current Ratio 0.0×
FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2019 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2019 5y median 0.1× FY 2025
Debt / Equity 0.1×
FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2019 5y median 0.1× FY 2025
Net Debt / EBITDA -3.4×
FY 2019: -7.8×FY 2020: -8.6×FY 2021: -8.3×FY 2022: -10.0×FY 2023: 4.7×FY 2024: -5.5×FY 2025: -3.4×
FY 2019 5y median -5.5× FY 2025
Interest Coverage 1.7×
FY 2019: 2.4×FY 2020: 4.2×FY 2021: 6.8×FY 2022: 4.0×FY 2023: 1.4×FY 2024: 1.4×FY 2025: 1.7×
FY 2019 5y median 1.7× FY 2025

Dividends

Dividend Yield 1.8%
FY 2019: 1.4%FY 2020: 1.7%FY 2021: 1.7%FY 2022: 2.0%FY 2023: 2.5%FY 2024: 2.5%FY 2025: 1.8%
FY 2019 5y median 2.0% FY 2025
Payout Ratio 12.7%
FY 2019: 15.9%FY 2020: 14.0%FY 2021: 14.6%FY 2022: 14.5%FY 2023: 14.9%FY 2024: 15.0%FY 2025: 12.7%
FY 2019 5y median 14.6% FY 2025

Annual · latest fiscal year ends 2025-12-31