PBFS Fundamental Analysis - PIONEER BANCORP INC/NY

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to PBFS. PBFS was compared to 397 industry peers in the Banks industry. PBFS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PBFS does not seem to be growing, but still is valued expensively.

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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.

PBFS had positive earnings in each of the past 5 years.

Each year in the past 5 years PBFS had a positive operating cash flow.

1.2 Ratios

PBFS has a Return On Assets (0.93%) which is comparable to the rest of the industry.

PBFS has a Return On Equity of 6.21%. This is in the lower half of the industry: PBFS underperforms 68.26% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	6.21%
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

1.3 Margins

With a Profit Margin value of 21.93%, PBFS perfoms like the industry average, outperforming 43.07% of the companies in the same industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	21.93%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

PBFS has a better debt/assets ratio than last year.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.58%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.43% over the past year.

PBFS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.66% yearly.

The Revenue has grown by 16.62% in the past year. This is quite good.

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)21.43%

EPS 3Y147.3%

EPS 5Y16.66%

EPS Q2Q%23.52%

Revenue 1Y (TTM)16.62%

Revenue growth 3Y10.11%

Revenue growth 5Y3.75%

Sales Q2Q%5.76%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.94, PBFS is valued correctly.

PBFS's Price/Earnings ratio is a bit more expensive when compared to the industry. PBFS is more expensive than 69.77% of the companies in the same industry.

When comparing the Price/Earnings ratio of PBFS to the average of the S&P500 Index (27.30), we can say PBFS is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	15.94
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.96

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for PBFS!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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PIONEER BANCORP INC/NY

NASDAQ:PBFS (7/11/2025, 8:00:02 PM)

12.27

-0.22 (-1.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30

Earnings (Next)07-29 2025-07-29

Inst Owners24.42%

Inst Owner Change0%

Ins Owners1.73%

Ins Owner Change-0.06%

Market Cap317.18M

Analysts0

Price TargetN/A

Short Float %0.54%

Short Ratio2.88

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	15.94
Fwd PE	N/A
P/S	3.61
P/FCF	N/A
P/OCF	N/A
P/B	1.02
P/tB	1.07
EV/EBITDA	N/A

EPS(TTM)0.77

EY6.28%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.11

FCFYN/A

OCF(TTM)-0.06

OCFYN/A

SpS3.4

BVpS12.02

TBVpS11.5

PEG (NY)N/A

PEG (5Y)0.96

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	6.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.93%
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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	-1244.54%
Cap/Sales	1.68%
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

WACC13.58%

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)21.43%

EPS 3Y147.3%

EPS 5Y16.66%

EPS Q2Q%23.52%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)16.62%

Revenue growth 3Y10.11%

Revenue growth 5Y3.75%

Sales Q2Q%5.76%

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 1Y43.4%

FCF growth 3Y-10.46%

FCF growth 5Y42.98%

OCF growth 1Y73.73%

OCF growth 3Y-9.94%

OCF growth 5Y31.22%

PIONEER BANCORP INC/NY (PBFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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