Pioneer Bancorp Inc.
PBFS | NASDAQ
$18.37
+$0.34 (+1.89%)
Nov 2, 2026, 12:00 PM ET · Market open
Market Data
Market Cap $456.34M
Enterprise Value $249.68M
Beta 0.42
Average Volume 14.01K
Shares Outstanding (Diluted) 24.33M
Shares Change YoY -0.96%
Institutional Ownership 23.47%
Exchange NASDAQ
ISIN US7235611065
Price Performance
Price Change 1M 3.4%
Price Change 3M 5.3%
Price Change 6M 29.2%
Price Change YTD 36.3%
Price Change 1Y 40.1%
Price Change 3Y 121.3%
Price Change 5Y 42.4%
1M CAGR (ann.) -0.6%
1Y CAGR (ann.) 38.1%
5Y CAGR (ann.) 7.2%
All-Time CAGR 2.8%
Valuation
PE Ratio 26.13
Forward PE N/A
PEG Ratio -1.32
Forward PEG -1.32
PS Ratio 3.32
Forward PS N/A
PB Ratio 1.36
P/FCF Ratio 57.19
P/Adj. FCF Ratio 75.43
P/OCF Ratio 42.93
EV/Sales 1.85
EV/EBIT 11.65
EV/EBITDA 10.48
EV/FCF 31.88
Earnings Yield 3.8%
FCF Yield 1.8%
Adj. FCF Yield 1.3%
Financial Health
Net Cash $198.21M
Total Debt $0
Cash & Short-Term Investments $198.21M
Total Assets $2.22B
Current Ratio 0.11
Quick Ratio 0.11
Debt / Equity Ratio 0.00
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 0.71
Altman Z-Score -0.53
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 73.0%
Operating Profit Margin 15.9%
EBITDA Margin 17.7%
Net Profit Margin 12.5%
FCF Margin 5.8%
Adj. FCF Margin 4.4%
SBC / Revenue 1.4%
SBC Impact (per share) -24.2%
Returns
Return on Assets 0.8%
Return on Equity 5.2%
Return on Invested Capital 4.7%
Return on Capital Employed 5.9%
Return on Tangible Assets 0.8%
Historical Growth (CAGR)
Revenue CAGR 3Y 16.6%
Revenue CAGR 5Y 17.7%
Revenue CAGR 10Y N/A
EPS CAGR 3Y -7.4%
EPS CAGR 5Y 69.0%
EPS CAGR 10Y N/A
FCF CAGR 3Y -32.9%
FCF CAGR 5Y -24.6%
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 2, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $14.48
Graham Upside -19.7%
Lynch Fair Value $17.25
Lynch Upside -4.3%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $10.15M
Free Cash Flow $7.83M
Adj. Free Cash Flow $5.94M
FCF Per Share $0.32
OCF Per Share $0.42
OCF/S Ratio 7.5%
Income Statement
Revenue $134.85M
Gross Profit $98.52M
Operating Income $21.43M
EBITDA $23.83M
Net Income $16.85M
EPS (Diluted) $0.69
Revenue / Employee $501.31K
Profit / Employee $62.63K
Employees 269
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