PIONEER BANCORP INC/NY (PBFS) Fundamental Analysis & Valuation

NASDAQ:PBFS • US7235611065

13.6 USD
-0.18 (-1.31%)
Last: Mar 12, 2026, 02:08 PM
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This PBFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall PBFS gets a fundamental rating of 3 out of 10. We evaluated PBFS against 381 industry peers in the Banks industry. The financial health of PBFS is average, but there are quite some concerns on its profitability. PBFS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. PBFS Profitability Analysis

1.1 Basic Checks

  • PBFS had positive earnings in the past year.
  • PBFS had a positive operating cash flow in the past year.
  • Each year in the past 5 years PBFS has been profitable.
  • Each year in the past 5 years PBFS had a positive operating cash flow.
PBFS Yearly Net Income VS EBIT VS OCF VS FCFPBFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of PBFS (0.88%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 6.31%, PBFS is doing worse than 72.44% of the companies in the same industry.
Industry RankSector Rank
ROA 0.88%
ROE 6.31%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.58%
ROE(3y)5.87%
ROE(5y)4.08%
ROIC(3y)N/A
ROIC(5y)N/A
PBFS Yearly ROA, ROE, ROICPBFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 21.21%, PBFS is not doing good in the industry: 65.62% of the companies in the same industry are doing better.
  • PBFS's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for PBFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.21%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y119.56%
PM growth 5Y11.67%
GM growth 3YN/A
GM growth 5YN/A
PBFS Yearly Profit, Operating, Gross MarginsPBFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. PBFS Health Analysis

2.1 Basic Checks

  • PBFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, PBFS has more shares outstanding
  • Compared to 5 years ago, PBFS has more shares outstanding
  • The debt/assets ratio for PBFS has been reduced compared to a year ago.
PBFS Yearly Shares OutstandingPBFS Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
PBFS Yearly Total Debt VS Total AssetsPBFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • PBFS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.97%
PBFS Yearly LT Debt VS Equity VS FCFPBFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PBFS Yearly Current Assets VS Current LiabilitesPBFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2023 2024 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PBFS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.35% over the past year.
  • The Earnings Per Share has been growing by 16.66% on average over the past years. This is quite good.
  • PBFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.70%.
  • Measured over the past years, PBFS shows a small growth in Revenue. The Revenue has been growing by 3.75% on average per year.
EPS 1Y (TTM)11.35%
EPS 3Y147.3%
EPS 5Y16.66%
EPS Q2Q%-29.78%
Revenue 1Y (TTM)17.7%
Revenue growth 3Y10.11%
Revenue growth 5Y3.75%
Sales Q2Q%9.1%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PBFS Yearly Revenue VS EstimatesPBFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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Find the best growth stocksShow best growing peers

1

4. PBFS Valuation Analysis

4.1 Price/Earnings Ratio

  • PBFS is valuated rather expensively with a Price/Earnings ratio of 17.00.
  • Compared to the rest of the industry, the Price/Earnings ratio of PBFS indicates a rather expensive valuation: PBFS more expensive than 81.10% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.15. PBFS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17
Fwd PE N/A
PBFS Price Earnings VS Forward Price EarningsPBFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PBFS is valued a bit more expensive than the industry average as 72.97% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.32
EV/EBITDA N/A
PBFS Per share dataPBFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.02
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PBFS Dividend Analysis

5.1 Amount

  • No dividends for PBFS!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PBFS Fundamentals: All Metrics, Ratios and Statistics

PIONEER BANCORP INC/NY

NASDAQ:PBFS (3/12/2026, 2:08:31 PM)

13.6

-0.18 (-1.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners23.19%
Inst Owner Change2.08%
Ins Owners1.85%
Ins Owner Change0.1%
Market Cap341.09M
Revenue(TTM)93.50M
Net Income(TTM)19.84M
Analysts0
Price TargetN/A
Short Float %0.75%
Short Ratio6.49
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17
Fwd PE N/A
P/S 3.65
P/FCF 19.32
P/OCF 16.73
P/B 1.09
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)0.8
EY5.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.7
FCFY5.17%
OCF(TTM)0.81
OCFY5.98%
SpS3.73
BVpS12.53
TBVpS12
PEG (NY)N/A
PEG (5Y)1.02
Graham Number15.02
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 6.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.21%
GM N/A
FCFM 18.88%
ROA(3y)0.84%
ROA(5y)0.58%
ROE(3y)5.87%
ROE(5y)4.08%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y119.56%
PM growth 5Y11.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 113.78%
Cap/Sales 2.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.98%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.97%
ROIC/WACCN/A
Cap/Depr(3y)25.8%
Cap/Depr(5y)31.36%
Cap/Sales(3y)1.01%
Cap/Sales(5y)1.35%
Profit Quality(3y)248.97%
Profit Quality(5y)744.17%
High Growth Momentum
Growth
EPS 1Y (TTM)11.35%
EPS 3Y147.3%
EPS 5Y16.66%
EPS Q2Q%-29.78%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.7%
Revenue growth 3Y10.11%
Revenue growth 5Y3.75%
Sales Q2Q%9.1%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.75%
FCF growth 3Y-10.46%
FCF growth 5Y42.98%
OCF growth 1Y38.1%
OCF growth 3Y-9.94%
OCF growth 5Y31.22%

PIONEER BANCORP INC/NY / PBFS FAQ

What is the fundamental rating for PBFS stock?

ChartMill assigns a fundamental rating of 3 / 10 to PBFS.


What is the valuation status of PIONEER BANCORP INC/NY (PBFS) stock?

ChartMill assigns a valuation rating of 1 / 10 to PIONEER BANCORP INC/NY (PBFS). This can be considered as Overvalued.


Can you provide the profitability details for PIONEER BANCORP INC/NY?

PIONEER BANCORP INC/NY (PBFS) has a profitability rating of 3 / 10.


How financially healthy is PIONEER BANCORP INC/NY?

The financial health rating of PIONEER BANCORP INC/NY (PBFS) is 4 / 10.