PIONEER BANCORP INC/NY (PBFS)
US7235611065 - Common Stock
PBFS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 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.
1. Profitability
1.1 Basic Checks
PBFS had positive earnings in the past year.
PBFS had a positive operating cash flow in the past year.
PBFS had positive earnings in each of the past 5 years.
In the past 5 years PBFS always reported a positive cash flow from operatings.
1.2 Ratios
PBFS has a Return On Assets (0.93%) which is comparable to the rest of the industry.
The Return On Equity of PBFS (6.04%) is worse than 75.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 6.04% | ||
| ROIC | N/A |
ROA(3y)0.59%
ROA(5y)0.52%
ROE(3y)4.31%
ROE(5y)4.23%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PBFS has a Profit Margin (22.97%) which is in line with its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.97% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y50.16%
PM growth 5Y6.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PBFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PBFS remains at a similar level compared to 1 year ago.
Compared to 5 years ago, PBFS has about the same amount of shares outstanding.
The debt/assets ratio for PBFS is higher compared to a year ago.
2.2 Solvency
PBFS has a debt to FCF ratio of 0.03. This is a very positive value and a sign of high solvency as it would only need 0.03 years to pay back of all of its debts.
PBFS has a Debt to FCF ratio of 0.03. This is amongst the best in the industry. PBFS outperforms 87.83% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that PBFS is not too dependend on debt financing.
PBFS has a better Debt to Equity ratio (0.00) than 87.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PBFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.61%, which is quite impressive.
Measured over the past years, PBFS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.61% on average per year.
PBFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.30%.
Measured over the past years, PBFS shows a small growth in Revenue. The Revenue has been growing by 7.31% on average per year.
EPS 1Y (TTM)22.61%
EPS 3Y60.61%
EPS 5Y14.61%
EPS growth Q2Q-49.35%
Revenue 1Y (TTM)10.3%
Revenue growth 3Y7.63%
Revenue growth 5Y7.31%
Revenue growth Q2Q-28.98%
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.
4. Valuation
4.1 Price/Earnings Ratio
PBFS is valuated correctly with a Price/Earnings ratio of 12.99.
Compared to the rest of the industry, the Price/Earnings ratio of PBFS indicates a slightly more expensive valuation: PBFS is more expensive than 73.48% of the companies listed in the same industry.
PBFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.25.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as PBFS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.89
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
PBFS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PIONEER BANCORP INC/NY
NASDAQ:PBFS (4/25/2024, 3:30:02 PM)
After market: 8.96 0 (0%)8.96
+0.01 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap232.78M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 6.04% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.97% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)22.61%
EPS 3Y60.61%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.3%
Revenue growth 3Y7.63%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y