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Pioneer Bancorp Inc

Financial Services US PBFS

12.0USD
0.10(0.84%)

Last update at 2025-03-03T18:37:00Z

Day Range

11.8712.05
LowHigh

52 Week Range

7.8111.00
LowHigh

Fundamentals

  • Previous Close 11.90
  • Market Cap262.11M
  • Volume133648
  • P/E Ratio16.02
  • Dividend Yield-%
  • EBITDA-
  • Revenue TTM73.14M
  • Revenue Per Share TTM2.90
  • Gross Profit TTM 79.69M
  • Diluted EPS TTM0.63

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		 0.10 0.84% 12.00 16.02 - 3.23 0.82 - -
HDB
HDFC Bank Limited ADR		 -0.64 1.04% 60.98 20.81 20.96 0.11 4.77 - -
CIHKY
China Merchants Bank Co Ltd		 -0.37 1.26% 28.94 6.61 5.68 0.48 0.77 3.43 -
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 4.87 6.10 5.67 0.44 0.77 3.43 -
IBN
ICICI Bank Limited		 0.17 0.59% 28.05 17.79 16.95 0.07 3.08 - -

Reports Covered

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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

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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