Pioneer Bankcorp, Inc. (PBKC)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 20 | 21 | 24 | 28 | 30 | 35 | 37 | - |
| Operating profit | $m | 15 | 16 | ||||||
| Net profit | $m | 4 | 5 | 7 | 7 | 9 | 11 | 12 | - |
| EPS reported | $ | 10.34 | 10.60 | ||||||
| Operating cashflow per share | $ | 10.11 | 0.00 | ||||||
| Capex per share | $ | 0.82 | 0.00 | ||||||
| FCF per share | $ | 9.29 | 0.00 | ||||||
| Free cash flow | $m | 10 | - | ||||||
| Net debt | $m | -64 | -54 | ||||||
| Book value equity | $m | 73 | 73 | ||||||
| Book value per share | $ | 64.52 | 64.52 | ||||||
| Number of shares | m | 1.13 | 1.13 | ||||||
| DPS (TTM paid) | $ | 1.35 | 1.35 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.72 | 7.86 | ||||||
| P/B LTM | x | 1.08 | 1.08 | ||||||
| P/S LTM | x | 2.25 | 2.14 | ||||||
| P/FCF LTM | x | 7.48 | 0.00 | ||||||
| EV/EBITDA LTM | x | 1.57 | 1.59 | ||||||
| EV/Sales LTM | x | 0.57 | 0.84 | ||||||
| Earnings Yield LTM | % | +14.88% | +12.72% | ||||||
| FCF Yield | % | +13.37% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +15.62% | +16.25% | ||||||
| ROIC | % | +1.40% | +1.45% | ||||||
| Operating margin | % | +34.23% | +34.69% | ||||||
| Gross margin | % | +78.29% | +79.61% | ||||||
| FCF/Sales | % | +24.08% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +29.25% | +32.50% | ||||||
| Sales Growth YoY | % | +14.86% | +20.57% | ||||||
| Net Income Growth YoY | % | +25.99% | +31.52% | ||||||
| FCF Growth | % | +21.59% | - | ||||||
| Operating Profit Growth | % | +26.17% | +31.56% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.84% | +1.63% | ||||||
| Dividend Growth | % | +8.00% | +8.00% | ||||||
| Payout Ratio | % | +12.39% | +12.71% | ||||||
| FCF/Debt | x | 1.61 | - | ||||||
| Net Debt/EBITDA | x | -3.41 | -3.47 | ||||||
| EBIT/Net interest | x | 1.73 | 1.79 | ||||||
| Net debt/market cap | % | +8.31% | +7.13% | ||||||
| Net debt/Equity | x | -0.88 | -0.74 | ||||||
| Gross debt/equity | x | 0.09 | 0.09 | ||||||
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 Bankcorp, Inc. operates as the bank holding company for First Bank that provides banking products and services. The company offers checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; and home mortgage loans, home equity lines of credit, auto loans, term loans, commercial real estate loans, equipment loans, and agriculture loans, as well as credit cards. It also provides account services, including digital banking, debit cards, and identity theft protection; and merchant card, remote deposit capture, automated clearing house, and sweep services, as well as financial planning and the sale of brokerage service products. Pioneer Bankcorp, Inc. was founded in 1922 and is based in Clewiston, Florida.
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 Bankcorp, Inc. (PBKC)
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 Bankcorp, Inc. operates as the bank holding company for First Bank that provides banking products and services. The company offers checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; and home mortgage loans, home equity lines of credit, auto loans, term loans, commercial real estate loans, equipment loans, and agriculture loans, as well as credit cards. It also provides account services, including digital banking, debit cards, and identity theft protection; and merchant card, remote deposit capture, automated clearing house, and sweep services, as well as financial planning and the sale of brokerage service products. Pioneer Bankcorp, Inc. was founded in 1922 and is based in Clewiston, Florida.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free