Pioneer Bancorp, Inc.
General ticker "PBFS" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $318.2M (TTM average)
Pioneer Bancorp, Inc. follows the US Stock Market performance with the rate: 56.0%.
Estimated limits based on current volatility of 3.7%: low 15.54$, high 16.73$
Factors to consider:
- Total employees count: 289 (+18.9%) as of 2024
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Interest rate risk, Inflation, Liquidity and credit risks, Market competition
- Current price 23.2% above estimated high
- Earnings for 18 months up through Q2 (+1 year) exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-06-30 to 2026-06-30
- 2024-06-30 to 2025-06-30 estimated range: [9.26$, 11.93$]
- 2025-06-30 to 2026-06-30 estimated range: [10.01$, 12.84$]
Financial Metrics affecting the PBFS estimates:
- Positive: with PPE of 16.1 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 23.43 > 18.39
- Positive: 6.59 < Operating cash flow per share per price, % of 9.48
- Negative: -0.16 < Industry inventory ratio change (median), % of 0
- Positive: Industry earnings per price (median), % of 7.29 > 4.45
- Positive: -14.17 < Investing cash flow per share per price, % of -7.17
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating cash flow per share per price (median), % of 12.19 > 10.39
- Negative: Shareholder equity ratio, % of 15.64 <= 19.24
Short-term PBFS quotes
Long-term PBFS plot with estimates
Financial data
| YTD | 2022-06-30 | 2023-06-30 | 2024-06-30 |
|---|---|---|---|
| Operating Revenue | $57.92MM | $79.69MM | $82.84MM |
| Operating Expenses | $44.58MM | $51.83MM | $63.43MM |
| Operating Income | $13.34MM | $27.86MM | $19.41MM |
| Interest Expense | $1.46MM | $5.49MM | $21.80MM |
| Income(Loss) | $13.34MM | $27.86MM | $19.41MM |
| Taxes | $3.06MM | $5.91MM | $4.15MM |
| Net Income(Loss)* | $10.28MM | $21.95MM | $15.26MM |
| Stockholders Equity | $242.63MM | $266.70MM | $296.53MM |
| Assets | $1,964.23MM | $1,856.19MM | $1,895.40MM |
| Operating Cash Flow | $49.97MM | $26.27MM | $23.85MM |
| Capital expenditure | $0.78MM | $0.45MM | $0.84MM |
| Investing Cash Flow | $-148.03MM | $-114.87MM | $-18.05MM |
| Financing Cash Flow | $149.16MM | $-136.98MM | $8.91MM |
| Earnings Per Share** | $0.41 | $0.87 | $0.61 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.