- NASDAQ
Pioneer Bancorp Inc
Financial Services US PBFS
11.16USD
0.01(0.09%)
Last update at 2025-04-16T16:47:00Z
Day Range
52 Week Range
Fundamentals
- Previous Close 11.15
- Market Cap262.11M
- Volume3243
- P/E Ratio16.02
- Dividend Yield-%
- EBITDA-
- Revenue TTM73.14M
- Revenue Per Share TTM2.90
- Gross Profit TTM 79.69M
- Diluted EPS TTM0.63
Source: TradingView
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Analyst Recommendations
Financials
Income Statement
Balancesheet
Change in Cash
Total Operating Cash
Dividends Paid
| Breakdown | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
| Income before tax | 27.86M | 13.34M | 2.66M | -9.80500M | 23.85M |
| Minority interest | - | - | - | - | - |
| Net income | 21.95M | 10.28M | 1.08M | -6.50900M | 19.02M |
| Selling general administrative | 29.19M | 22.41M | 27.35M | 25.10M | 23.32M |
| Selling and marketing expenses | 0.82M | 0.52M | 0.62M | 0.68M | 0.93M |
| Gross profit | 71.03M | 56.45M | 57.57M | 64.47M | 64.09M |
| Reconciled depreciation | 2.70M | 2.74M | 2.86M | 2.91M | 2.81M |
| Ebit | 25.16M | 14.80M | 2.66M | -9.80500M | 28.33M |
| Ebitda | 27.86M | 17.55M | 5.52M | -6.89900M | 31.14M |
| Depreciation and amortization | 2.70M | 2.74M | 2.86M | 2.91M | 2.81M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 27.86M | 14.80M | 2.66M | -9.80500M | 28.33M |
| Other operating expenses | 5.56M | 4.03M | -54.90700M | -74.27500M | 35.76M |
| Interest expense | 5.49M | 1.46M | 2.11M | 4.73M | 4.48M |
| Tax provision | 5.91M | 3.06M | 1.58M | -3.29600M | 4.83M |
| Interest income | 71.03M | 43.84M | 43.93M | 53.52M | 54.16M |
| Net interest income | 65.54M | 42.38M | 41.82M | 48.79M | 49.68M |
| Extraordinary items | - | - | - | - | 0.58M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 5.91M | 3.06M | 1.58M | -3.29600M | 4.83M |
| Total revenue | 79.69M | 56.45M | 57.57M | 64.47M | 64.09M |
| Total operating expenses | 5.56M | 4.03M | -54.90700M | -74.27500M | -35.76000M |
| Cost of revenue | 8.66M | - | - | - | - |
| Total other income expense net | - | -1.46400M | -2.11000M | -4.73100M | -4.48000M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 21.95M | 10.28M | 5.20M | 5.20M | 19.02M |
| Net income applicable to common shares | 21.95M | 10.28M | 1.08M | 5.20M | 19.02M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
| Total assets | 1856.19M | 1964.23M | 1796.25M | 1526.41M | 1479.99M |
| Intangible assets | 2.10M | 2.49M | 1.84M | 2.16M | 2.52M |
| Earning assets | - | - | - | - | 281.87M |
| Other current assets | 7.19M | 548.84M | 876.41M | 1150.22M | 1001.49M |
| Total liab | 1589.49M | 1721.60M | 1558.43M | 7.76M | 1345.03M |
| Total stockholder equity | 266.70M | 242.63M | 237.82M | 223.97M | 134.97M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | 1680.28M | 1270.15M | -7.75800M | - |
| Common stock | 0.26M | 0.26M | 0.26M | 0.26M | - |
| Capital stock | 0.26M | 0.26M | 0.26M | 0.26M | - |
| Retained earnings | 173.04M | 151.09M | 140.81M | 139.73M | 135.41M |
| Other liab | 22.39M | 28.51M | 27.53M | 24.54M | 13.56M |
| Good will | 8.80M | 8.80M | 7.29M | 7.29M | 7.29M |
| Other assets | 187.06M | 2520.61M | 876.41M | 1150.22M | 1001.49M |
| Cash | 148.31M | 372.59M | 324.78M | 155.52M | 228.03M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 1561.40M | 1680.28M | 1530.90M | 7.76M | 1331.46M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -148.31100M | -372.59400M | -324.78300M | -155.52100M | -228.02600M |
| Short term debt | - | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | - | - | - | - | - |
| Other stockholder equity | 102.97M | 102.46M | 101.88M | 101.34M | 10.66M |
| Property plant equipment | 41.62M | 37.31M | 38.92M | 40.86M | 41.71M |
| Total current assets | 1616.61M | 1407.84M | 593.43M | 234.76M | 327.75M |
| Long term investments | 458.03M | 1488.31M | 1230.99M | 1230.99M | 99.23M |
| Net tangible assets | 255.81M | 231.33M | 228.69M | 214.51M | 125.15M |
| Short term investments | 431.67M | 481.79M | 264.60M | 75.77M | 95.35M |
| Net receivables | 7.19M | 4.62M | 4.05M | 3.47M | 4.37M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | 0.36M | 0.26M | 0.16M |
| Accounts payable | 1541.85M | 1680.28M | 1530.90M | 7.76M | 1331.32M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -9.56800M | -11.18000M | -5.12500M | -17.37000M | -11.10300M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 0.26M | 0.26M | 0.26M | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 151.09M | 139.73M | 139.73M | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -458.02900M | 45.54M | -326.41200M | -141.43700M | -150.75100M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 52.51M | 556.39M | 326.41M | 141.44M | 150.75M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
| Investments | -114.87300M | -147.58800M | -186.47100M | -108.96500M | -78.01800M |
| Change to liabilities | 0.00000M | 13.58M | 8.45M | 8.45M | 0.00000M |
| Total cashflows from investing activities | -114.87300M | -148.03200M | -125.10600M | -109.47400M | -78.01800M |
| Net borrowings | -0.11400M | -0.11400M | -0.11400M | -0.11400M | - |
| Total cash from financing activities | -136.97800M | 149.16M | 260.51M | 34.24M | 181.72M |
| Change to operating activities | 3.35M | 35.23M | 26.67M | -19.70600M | -17.62000M |
| Net income | 21.95M | 10.28M | 1.08M | -6.50900M | 19.02M |
| Change in cash | -225.58200M | 51.10M | 168.06M | -73.20600M | 109.83M |
| Begin period cash flow | 376.06M | 324.96M | 156.90M | 230.11M | 120.28M |
| End period cash flow | 150.48M | 376.06M | 324.96M | 156.90M | 230.11M |
| Total cash from operating activities | 26.27M | 49.97M | 32.65M | 2.02M | 6.13M |
| Issuance of capital stock | - | - | 0.00000M | 109.06M | - |
| Depreciation | 2.70M | 2.74M | 2.86M | 2.91M | 2.81M |
| Other cashflows from investing activities | 1.04M | 0.34M | -0.20500M | 1.19M | -0.04100M |
| Dividends paid | - | - | - | - | - |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -2.57100M | -0.57700M | -0.57900M | 0.91M | -0.52000M |
| Sale purchase of stock | - | - | 109.06M | 109.06M | - |
| Other cashflows from financing activities | -136.86400M | 149.16M | 260.51M | -74.81200M | 181.72M |
| Change to netincome | 0.84M | -0.12000M | 2.63M | 7.97M | 2.44M |
| Capital expenditures | 0.45M | 0.78M | 0.60M | 1.70M | 2.28M |
| Change receivables | - | -0.57700M | 0.91M | 0.91M | - |
| Cash flows other operating | - | 22.38M | -23.07700M | -23.07700M | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | 51.10M | -73.20600M | -73.20600M | - |
| Change in working capital | 0.78M | 34.65M | 26.09M | -18.79900M | -18.14000M |
| Stock based compensation | 0.51M | 0.58M | 0.53M | 0.99M | 2.39M |
| Other non cash items | -0.52300M | 1.00M | 3.30M | 26.92M | 0.11M |
| Free cash flow | 25.82M | 49.19M | 32.06M | 0.32M | 3.85M |
Peer Comparison
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| PBFS Pioneer Bancorp Inc |
0.01 0.09% | 11.16 | 16.02 | - | 3.23 | 0.82 | - | - |
| HDB HDFC Bank Limited ADR |
0.29 0.42% | 69.70 | 20.81 | 20.96 | 0.11 | 4.77 | - | - |
| CIHKY China Merchants Bank Co Ltd |
-0.04 0.14% | 28.10 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 | - |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.09 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 | - |
| IBN ICICI Bank Limited |
0.20 0.61% | 32.05 | 17.79 | 16.95 | 0.07 | 3.08 | - | - |
Reports Covered
Profile
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage lending, consumer loans, and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Pioneer Bancorp Inc
652 Albany Shaker Road, Albany, NY, United States, 12211
- 518 730 3025
- Employees : 267
Key Executives
| Name | Title | Year Born |
|---|---|---|
| Mr. Thomas L. Amell | Pres, CEO & Director | 1967 |
| Mr. Patrick J. Hughes | Exec. VP & CFO | 1973 |
| Mr. Jesse A. Tomczak | Exec. VP & Chief Banking Officer | 1973 |
| Mr. Thomas Harry Signor CPA | Exec. VP & Chief Admin. Officer | 1968 |
| Ms. Susan M. Hollister | Exec. VP, Chief HR Officer & Corp. Sec. | 1966 |
| Mr. Robert J. Nichols | Exec. VP & Chief Credit Officer | 1965 |
| Ms. Kelli Arnold | Exec. VP and Chief Strategy & Innovations Officer | 1970 |
| Mr. Thomas L. Amell | President, CEO & Director | 1968 |
| Mr. Patrick J. Hughes | Executive VP & CFO | 1973 |
| Mr. Jesse A. Tomczak | Executive VP & Chief Banking Officer | 1974 |
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