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PIONEER BANCORP INC/NY (PBFS) Stock Fundamental Analysis

NASDAQ:PBFS - US7235611065 - Common Stock

12.9699 USD
+0.16 (+1.25%)
Last: 8/28/2025, 9:50:37 AM
Fundamental Rating

3

Overall PBFS gets a fundamental rating of 3 out of 10. We evaluated PBFS against 393 industry peers in the Banks industry. The financial health of PBFS is average, but there are quite some concerns on its profitability. PBFS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

PBFS had positive earnings in the past year.
PBFS had a negative operating cash flow in the past year.
Each year in the past 5 years PBFS has been profitable.
PBFS had a positive operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 1.04%, PBFS is in the better half of the industry, outperforming 70.48% of the companies in the same industry.
PBFS has a Return On Equity of 6.94%. This is in the lower half of the industry: PBFS underperforms 64.12% of its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 6.94%
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

PBFS has a Profit Margin (23.84%) which is in line with its industry peers.
In the last couple of years the Profit Margin of PBFS has grown nicely.
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) 23.84%
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. Health

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
The number of shares outstanding for PBFS has been increased compared to 5 years ago.
Compared to 1 year ago, PBFS has an improved debt to assets ratio.
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

There is no outstanding debt for PBFS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.33%
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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3

3. Growth

3.1 Past

PBFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.85%, which is quite impressive.
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 18.91%.
The Revenue has been growing slightly by 3.75% on average over the past years.
EPS 1Y (TTM)43.85%
EPS 3Y147.3%
EPS 5Y16.66%
EPS Q2Q%68.77%
Revenue 1Y (TTM)18.91%
Revenue growth 3Y10.11%
Revenue growth 5Y3.75%
Sales Q2Q%16.89%

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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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.74, the valuation of PBFS can be described as correct.
63.36% of the companies in the same industry are cheaper than PBFS, based on the Price/Earnings ratio.
PBFS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.14.
Industry RankSector Rank
PE 14.74
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PBFS Per share dataPBFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.88
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

PBFS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PIONEER BANCORP INC/NY

NASDAQ:PBFS (8/28/2025, 9:50:37 AM)

12.9699

+0.16 (+1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30
Earnings (Next)10-28 2025-10-28
Inst Owners24.34%
Inst Owner Change-3.2%
Ins Owners1.73%
Ins Owner Change-0.06%
Market Cap328.01M
Analysts0
Price TargetN/A
Short Float %0.45%
Short Ratio1.84
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 14.74
Fwd PE N/A
P/S 3.58
P/FCF N/A
P/OCF N/A
P/B 1.04
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)0.88
EY6.78%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.29
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.62
BVpS12.43
TBVpS11.9
PEG (NY)N/A
PEG (5Y)0.88
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 6.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.84%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg 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 N/A
Debt/EBITDA N/A
Cap/Depr -1117.5%
Cap/Sales 1.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.33%
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)43.85%
EPS 3Y147.3%
EPS 5Y16.66%
EPS Q2Q%68.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.91%
Revenue growth 3Y10.11%
Revenue growth 5Y3.75%
Sales Q2Q%16.89%
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 1Y44.9%
FCF growth 3Y-10.46%
FCF growth 5Y42.98%
OCF growth 1Y59.28%
OCF growth 3Y-9.94%
OCF growth 5Y31.22%