Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap340.08M
Enterprise Value199.36M
Trailing P/E17.66
Forward P/E19.92
PBFS
(NASDAQ)Pioneer Bancorp, Inc.
$14.00-- (--)
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Pioneer Bancorp (PBFS) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)2.75
Forward Price/Sales2.41
Price/Book (mrq)1.06
Price/Tangible Book (mrq)1.06
Price/FCF (ttm)27.96
Price/OCF (ttm)25.87
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue1.65
EV/Earnings10.57
EV/EBITDA7.21
EV/FCF16.74
Stock Price
Current price, 52-week range, and moving averages
Current Price$14.00
1-Day Change-1.51%
52-Week High$15.18
52-Week Low$10.60
52-Week Change18.60%
YTD Change3.01%
1-Year Change19.32%
50-Day MA$14.10
200-Day MA$13.30
Avg Volume (30 day)8.36K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding24.29M
Book Value per Share$12.93
Net Cash per Share$5.50
FCF per Share$0.49
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin76.45%
EBITDA Margin (ttm)22.84%
Operating Margin (ttm)37.69%
Pretax Margin (ttm)20.38%
Profit Margin (ttm)15.57%
FCF Margin (ttm)9.83%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)6.00%
Return on Assets (ttm)0.88%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue121.12M
Gross Profit92.59M
Operating Income45.65M
Pretax Income24.68M
Net Income18.86M
EBITDA27.67M
Diluted EPS$0.78
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow12.87M
Capital Expenditures962.00K
Free Cash Flow11.91M
Growth Rates (YoY)
Year-over-year growth metrics
Revenue Growth14.33%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)2.15B
Cash & Securities (mrq)133.68M
Net Cash (mrq)133.68M
Net Cash per Share$5.50
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)0.00
Working Capital (mrq)2.00B
Total Equity (mrq)314.20M
Book Value per Share$12.93
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Quick Ratio (mrq)0.24
Debt/Equity (mrq)0.00
Debt/EBITDA (ttm)0.00
Debt/FCF (ttm)0.00
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$0.00
Dividend Yield0.00%
Payout Ratio (Earnings)0.00%
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield5.66%
FCF Yield3.58%
Buyback Yield0.00%
Total Shareholder Yield0.00%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score1.17
Piotroski F-Score6/9
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Lynch Fair Value$16.11
Lynch Upside/Downside17.51%
Graham Number$15.03
Graham Upside/Downside9.63%
Frequently Asked Questions About Pioneer Bancorp Statistics
What are the key financial metrics for PBFS?
Pioneer Bancorp, Inc. (PBFS) statistics include 40+ financial metrics organized into valuation ratios (P/E, P/S, P/B, PEG), profitability margins (gross, operating, net), return metrics (ROE, ROA, ROIC), and financial health indicators. These are updated regularly based on the latest filings and market data.
What is PBFS's valuation analysis?
The valuation section covers market capitalization, earnings multiples like trailing and forward P/E, price-based ratios (P/S, P/B, Price/FCF), and enterprise value ratios (EV/EBITDA, EV/Revenue, EV/FCF). Compare these against sector averages to assess whether Pioneer Bancorp is overvalued or undervalued.
How do I read PBFS's profitability ratios?
Pioneer Bancorp's profitability is measured through profit margins (gross, EBITDA, operating, net) and return metrics (ROE, ROA, ROIC, ROCE). Higher margins indicate better cost control, while higher returns show efficient capital deployment. The income statement and cash flow sections provide the underlying revenue and earnings data.
What do PBFS's debt ratios indicate?
The financial health section shows Pioneer Bancorp's leverage through debt-to-equity, debt-to-assets, debt-to-EBITDA, and debt-to-FCF ratios, plus liquidity via the current and quick ratios. Lower debt ratios and higher liquidity ratios generally indicate stronger financial stability and lower default risk.
What is PBFS's dividend analysis?
The dividend section covers Pioneer Bancorp's dividend yield, payout ratios (earnings-based and FCF-based), year-over-year dividend growth, years of consecutive growth, ex-dividend and pay dates, and payment frequency. The yield metrics section also includes earnings yield, FCF yield, buyback yield, and total shareholder yield.