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XNASPBFS
Market cap281mUSD
Jan 10, Last price  
10.84USD
1D
-1.63%
1Q
-1.36%
IPO
-24.46%
Name

Pioneer Bancorp Inc

Chart & Performance

D1W1MN
XNAS:PBFS chart
P/E
18.45
P/S
3.79
EPS
0.59
Div Yield, %
0.00%
Shrs. gr., 5y
-0.59%
Rev. gr., 5y
2.97%
Revenues
74m
-6.90%
46,107,00059,418,00064,086,00064,470,00057,567,00056,452,00079,689,00074,193,000
Net income
15m
-30.47%
5,631,00011,499,00019,016,000-6,509,0001,077,00010,279,00021,948,00015,260,000
CFO
24m
-9.22%
11,865,00020,234,0006,129,0002,025,00032,653,00049,967,00026,269,00023,847,000
Earnings
Feb 05, 2025

Profile

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
URL
https://investors.pioneerny.com/
IPO date
Jul 18, 2019
Employees
256
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFY
2024‑062023‑062022‑062021‑062020‑062019‑062018‑062017‑06
Income
Revenues
74,193
-6.90%
79,689
41.16%
56,452
-1.94%
Cost of revenue
31,957
38,667
22,930
Unusual Expense (Income)
NOPBT
42,236
41,022
33,522
NOPBT Margin
56.93%
51.48%
59.38%
Operating Taxes
4,149
5,907
3,059
Tax Rate
9.82%
14.40%
9.13%
NOPAT
38,087
35,115
30,463
Net income
15,260
-30.47%
21,948
113.52%
10,279
854.41%
Dividends
Dividend yield
Proceeds from repurchase of equity
(1,075)
BB yield
0.43%
Debt
Debt current
Long-term debt
5,122
Deferred revenue
Other long-term liabilities
1,598,876
1,589,491
448,160
Net debt
(294,346)
(918,158)
(1,362,165)
Cash flow
Cash from operating activities
23,847
26,269
49,967
CAPEX
(838)
(451)
(780)
Cash from investing activities
(18,048)
(114,873)
(148,032)
Cash from financing activities
8,913
(136,978)
149,162
FCF
825,831
(2,107,050)
(509,685)
Balance
Cash
294,346
465,251
854,384
Long term investments
458,029
507,781
Excess cash
290,636
919,296
1,359,342
Stockholders' equity
192,936
163,730
140,170
Invested Capital
1,702,468
1,682,913
544,378
ROIC
2.25%
3.15%
5.73%
ROCE
2.23%
2.21%
4.85%
EV
Common stock shares outstanding
25,223
25,169
25,131
Price
10.01
11.84%
8.95
-8.67%
9.80
-18.47%
Market cap
252,483
12.08%
225,266
-8.53%
246,286
-18.26%
EV
(41,863)
(692,892)
(1,115,879)
EBITDA
44,832
43,720
36,266
EV/EBITDA
Interest
21,803
5,492
1,464
Interest/NOPBT
51.62%
13.39%
4.37%