Pioneer Bancorp, Inc. (PBFS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 64 | 58 | 56 | 80 | 77 | 74 | 96 | 104 |
| Operating profit | $m | 26 | 21 | ||||||
| Net profit | $m | 5 | 1 | 10 | 22 | 15 | 19 | 20 | 17 |
| EPS reported | $ | 0.83 | 0.69 | ||||||
| Operating cashflow per share | $ | 0.45 | 0.41 | ||||||
| Capex per share | $ | 0.09 | 0.09 | ||||||
| FCF per share | $ | 0.36 | 0.31 | ||||||
| Free cash flow | $m | 9 | 8 | ||||||
| Net debt | $m | -185 | -198 | ||||||
| Book value equity | $m | 324 | 329 | ||||||
| Book value per share | $ | 13.18 | 13.50 | ||||||
| Number of shares | m | 24.57 | 24.33 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 20.57 | 25.68 | ||||||
| P/B LTM | x | 1.02 | 1.00 | ||||||
| P/S LTM | x | 2.60 | 3.16 | ||||||
| P/FCF LTM | x | 37.49 | 42.12 | ||||||
| EV/EBITDA LTM | x | 7.01 | 8.35 | ||||||
| EV/Sales LTM | x | 1.57 | 2.17 | ||||||
| Earnings Yield LTM | % | +4.86% | +3.89% | ||||||
| FCF Yield | % | +2.67% | +2.37% | ||||||
| Quality | |||||||||
| ROE | % | +6.26% | +5.22% | ||||||
| ROIC | % | +5.04% | +5.58% | ||||||
| Operating margin | % | +20.91% | +19.02% | ||||||
| Gross margin | % | +73.10% | +73.05% | ||||||
| FCF/Sales | % | +6.95% | +5.81% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +9.21% | +13.11% | ||||||
| Sales Growth YoY | % | +30.20% | +35.87% | ||||||
| Net Income Growth YoY | % | +5.66% | +10.40% | ||||||
| FCF Growth | % | -72.67% | -65.96% | ||||||
| Operating Profit Growth | % | -19.38% | +10.39% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | - | - | ||||||
| Net Debt/EBITDA | x | -4.61 | -5.10 | ||||||
| EBIT/Net interest | x | 0.87 | 0.84 | ||||||
| Net debt/market cap | % | 0.00% | 0.00% | ||||||
| Net debt/Equity | x | -0.57 | -0.60 | ||||||
| Gross debt/equity | x | 0.00 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Pioneer Bancorp, Inc. (PBFS)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pioneer Bancorp, Inc., founded in 1889 and based in Albany, New York, serves as the holding company for Pioneer Savings Bank. It offers a wide spectrum of financial products and services throughout New York. The company's banking services include various deposit options such as checking, savings, and money market accounts, as well as certificates of deposit. Its lending portfolio spans commercial real estate, commercial and industrial financing, commercial construction, residential mortgages for one-to-four family homes, home equity loans, home equity lines of credit, and consumer loans. Beyond traditional banking, Pioneer Bancorp allocates capital to U.S. governmental securities, fixed-rate collateralized mortgage obligations, mortgage-backed securities, investment-grade bonds with fixed rates, and equity securities. The organization also extends its offerings to include insurance products, providing coverage for homeowners, automobiles, and comprehensive business needs. Additionally, it delivers employee benefit solutions, encompassing group health, dental, disability, and life insurance, alongside administrative services for defined contribution and benefit plans, and human resource management. Wealth management services are also available, comprising investment guidance, retirement income and estate planning, business succession strategies, and employer retirement program development. With a network of 22 retail banking branches, the company serves clients across Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
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