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

NASDAQ:PBFS • US7235611065

Current stock price

14.23 USD
-0.16 (-1.11%)
At close:
14 USD
-0.23 (-1.62%)
After Hours:

This PBFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PBFS Profitability Analysis

1.1 Basic Checks

  • In the past year PBFS was profitable.
  • PBFS had a positive operating cash flow in the past year.
  • In the past 5 years PBFS has always been profitable.
  • In the past 5 years PBFS always reported a positive cash flow from operatings.
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 2025 10M 20M 30M 40M

1.2 Ratios

  • PBFS's Return On Assets of 0.94% is in line compared to the rest of the industry. PBFS outperforms 49.07% of its industry peers.
  • The Return On Equity of PBFS (6.26%) is worse than 75.60% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 6.26%
ROIC N/A
ROA(3y)0.98%
ROA(5y)0.7%
ROE(3y)6.55%
ROE(5y)4.87%
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 2025 2 4 6 8

1.3 Margins

  • PBFS has a worse Profit Margin (21.07%) than 69.23% of its industry peers.
  • PBFS's Profit Margin has improved in the last couple of years.
  • PBFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.98%
PM growth 5Y20.96%
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 2025 5 10 15 20 25

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5

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.
  • PBFS has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PBFS has less 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 2025 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 2025 500M 1B 1.5B 2B

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
WACC13.63%
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 2025 100M 200M 300M

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 2025 2M 4M 6M

More info and screens

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

4

3. PBFS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.48% over the past year.
  • PBFS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.50% yearly.
  • Looking at the last year, PBFS shows a quite strong growth in Revenue. The Revenue has grown by 11.02% in the last year.
  • Measured over the past years, PBFS shows a quite strong growth in Revenue. The Revenue has been growing by 8.54% on average per year.
EPS 1Y (TTM)13.48%
EPS 3Y26.29%
EPS 5Y31.5%
EPS Q2Q%16.29%
Revenue 1Y (TTM)11.02%
Revenue growth 3Y19.48%
Revenue growth 5Y8.54%
Sales Q2Q%12.5%

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 2025 20M 40M 60M 80M

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Find the best growth stocksShow best growing peers

1

4. PBFS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 17.35 indicates a rather expensive valuation of PBFS.
  • Based on the Price/Earnings ratio, PBFS is valued more expensive than 81.17% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PBFS to the average of the S&P500 Index (27.38), we can say PBFS is valued slightly cheaper.
Industry RankSector Rank
PE 17.35
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

  • PBFS's Price/Free Cash Flow ratio is rather expensive when compared to the industry. PBFS is more expensive than 82.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 40.56
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)0.55
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

  • PBFS does not give a dividend.
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 (4/16/2026, 11:23:10 AM)

After market: 14 -0.23 (-1.62%)

14.23

-0.16 (-1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners23.24%
Inst Owner Change0%
Ins Owners1.85%
Ins Owner Change0.1%
Market Cap356.89M
Revenue(TTM)96.29M
Net Income(TTM)20.29M
Analysts0
Price TargetN/A
Short Float %1.01%
Short Ratio7.63
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 17.35
Fwd PE N/A
P/S 3.71
P/FCF 40.56
P/OCF 32.1
P/B 1.1
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)0.82
EY5.76%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.35
FCFY2.47%
OCF(TTM)0.44
OCFY3.11%
SpS3.84
BVpS12.91
TBVpS12.42
PEG (NY)N/A
PEG (5Y)0.55
Graham Number15.4353 (8.47%)
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 6.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.07%
GM N/A
FCFM 9.14%
ROA(3y)0.98%
ROA(5y)0.7%
ROE(3y)6.55%
ROE(5y)4.87%
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 3Y4.98%
PM growth 5Y20.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 122.01%
Cap/Sales 2.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 43.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.63%
ROIC/WACCN/A
Cap/Depr(3y)56.99%
Cap/Depr(5y)44.08%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.3%
Profit Quality(3y)103.93%
Profit Quality(5y)751.58%
High Growth Momentum
Growth
EPS 1Y (TTM)13.48%
EPS 3Y26.29%
EPS 5Y31.5%
EPS Q2Q%16.29%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.02%
Revenue growth 3Y19.48%
Revenue growth 5Y8.54%
Sales Q2Q%12.5%
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 1Y-61.75%
FCF growth 3Y-43.65%
FCF growth 5Y92.84%
OCF growth 1Y-53.38%
OCF growth 3Y-39.41%
OCF growth 5Y40.51%

PIONEER BANCORP INC/NY / PBFS Fundamental Analysis 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.


What is the profitability of PBFS stock?

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