Pioneer Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Pioneer Bancorp
PBFS Stock  USD 12.43  0.28  2.30%   
Pioneer Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Pioneer Bancorp's valuation are provided below:
Gross Profit
88.6 M
Profit Margin
0.2284
Market Capitalization
305.6 M
Enterprise Value Revenue
3.8342
Revenue
88.6 M
There are over one hundred nineteen available trending fundamental ratios for Pioneer Bancorp, which can be analyzed over time and compared to other ratios. All traders should check out Pioneer Bancorp's recent fundamentals against the performance from 2010 to 2025 and make sure the trends continue to evolve in the right direction. Enterprise Value is likely to gain to about 92.9 M in 2025, whereas Market Cap is likely to drop slightly above 164.8 M in 2025.

Pioneer Bancorp Total Revenue

74.48 Million

Check Pioneer Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Pioneer Bancorp's main balance sheet or income statement drivers, such as Tax Provision of 3.5 M, Net Interest Income of 54.1 M or Interest Income of 60.3 M, as well as many indicators such as Price To Sales Ratio of 2.65, Dividend Yield of 0.0 or PTB Ratio of 1.29. Pioneer financial statements analysis is a perfect complement when working with Pioneer Bancorp Valuation or Volatility modules.
  
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Pioneer Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.8 B2.2 B1.5 B
Slightly volatile
Short and Long Term Debt Total646.4 K680.4 K4.5 M
Slightly volatile
Other Current Liabilities1.5 B1.8 B1.3 B
Slightly volatile
Total Current Liabilities1.5 B1.8 B1.3 B
Slightly volatile
Total Stockholder Equity221.8 M341 M175 M
Slightly volatile
Other Liabilities22.2 M25.7 M18.1 M
Slightly volatile
Net Tangible Assets198.3 M294.2 M162.5 M
Slightly volatile
Property Plant And Equipment Net32.2 M36.1 M38.4 M
Very volatile
Retained Earnings157.7 M215.9 M133.7 M
Slightly volatile
Accounts Payable1.3 B1.8 B1.2 B
Slightly volatile
Cash210.6 M174.3 M134.6 M
Slightly volatile
Non Current Assets Total1.3 B1.7 B1.2 B
Slightly volatile
Non Currrent Assets Other55.1 M64.2 M44.2 M
Slightly volatile
Other Assets167.1 M175.9 M1 B
Slightly volatile
Cash And Short Term Investments453.7 M470.3 M309.5 M
Slightly volatile
Net Receivables5.3 M8.7 M4.5 M
Slightly volatile
Good Will8.6 M12.5 M7.2 M
Slightly volatile
Common Stock Shares Outstanding21.9 M29 M17.3 M
Slightly volatile
Short Term Investments243.1 M296 M174.9 M
Slightly volatile
Liabilities And Stockholders Equity1.8 B2.2 B1.5 B
Slightly volatile
Non Current Liabilities Total25.8 M44.8 M21.9 M
Slightly volatile
Capital Surpluse68.5 M130.8 M54 M
Slightly volatile
Other Current Assets261 M155.6 M520 M
Slightly volatile
Other Stockholder Equity74.8 M119.1 M50.1 M
Slightly volatile
Total Liabilities1.6 B1.8 B1.3 B
Slightly volatile
Long Term Investments308.6 M324.9 M381.6 M
Slightly volatile
Property Plant And Equipment Gross52.3 M70.3 M45.5 M
Slightly volatile
Total Current Assets459 M479 M314 M
Slightly volatile
Short Term Debt646.4 K680.4 K2.5 M
Slightly volatile
Intangible Assets2.4 M3.4 M1.6 M
Slightly volatile
Property Plant Equipment32.1 M37.5 M38.5 M
Very volatile
Earning Assets209 M324.2 M193.3 M
Slightly volatile
Common Stock Total Equity208 K234 K255.1 K
Slightly volatile
Retained Earnings Total Equity157.9 M173.8 M145.1 M
Slightly volatile
Capital Stock286.7 K302.4 K264.5 K
Slightly volatile
Non Current Liabilities Other33.1 M47.5 M29.7 M
Slightly volatile
Common Stock286.7 K302.4 K264.5 K
Slightly volatile

Pioneer Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income54.1 M76.5 M45.9 M
Slightly volatile
Interest Income60.3 M101.6 M51.7 M
Slightly volatile
Depreciation And Amortization2.9 M3 M2.4 M
Slightly volatile
Interest Expense26.3 M25.1 M7 M
Slightly volatile
Selling General Administrative28 M35.9 M25 M
Slightly volatile
Selling And Marketing Expenses569.6 K656.1 K683.5 K
Very volatile
Total Revenue74.5 M113.5 M63.8 M
Slightly volatile
Gross Profit62.8 M85.3 M54.2 M
Slightly volatile
Other Operating Expenses53.9 M91.2 M48.6 M
Slightly volatile
Operating Income14.2 M22.3 M11.9 M
Slightly volatile
Net Income From Continuing Ops12.9 M17.5 M9.9 M
Slightly volatile
EBIT14.2 M22.3 M11.9 M
Slightly volatile
EBITDA17.2 M25.3 M14.3 M
Slightly volatile
Cost Of Revenue29.6 M28.2 M10.7 M
Slightly volatile
Total Operating Expenses31.6 M49.3 M38.1 M
Pretty Stable
Reconciled Depreciation2.9 M3 M2.4 M
Slightly volatile
Income Before Tax14.2 M22.3 M11.9 M
Slightly volatile
Net Income Applicable To Common Shares26.5 M25.2 M11.4 M
Slightly volatile
Net Income10.8 M17.5 M8.8 M
Slightly volatile
Income Tax Expense3.5 M4.8 M3.1 M
Slightly volatile

Pioneer Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation535.2 K563.4 K1.8 M
Slightly volatile
Free Cash Flow20.9 M26.5 M13.4 M
Slightly volatile
Begin Period Cash Flow197.1 M173 M125.7 M
Slightly volatile
Depreciation2.9 M3 M2.4 M
Slightly volatile
Capital Expenditures716.5 K754.2 K5.1 M
Slightly volatile
Total Cash From Operating Activities24.2 M27.4 M18.7 M
Slightly volatile
Net Income10.8 M17.5 M8.8 M
Slightly volatile
End Period Cash Flow215.1 M190 M138.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.652.393.2433
Pretty Stable
PTB Ratio1.291.021.3226
Slightly volatile
Days Sales Outstanding20.2425.1624.6733
Pretty Stable
Book Value Per Share8.0610.599.6941
Pretty Stable
Free Cash Flow Yield0.06390.07910.0546
Slightly volatile
Operating Cash Flow Per Share1.241.091.1085
Very volatile
Stock Based Compensation To Revenue0.01010.00730.012
Slightly volatile
Capex To Depreciation0.350.372.4732
Slightly volatile
PB Ratio1.291.021.3226
Slightly volatile
Free Cash Flow Per Share0.710.820.6231
Slightly volatile
ROIC0.05090.05230.0466
Very volatile
Net Income Per Share0.590.70.54
Pretty Stable
Payables Turnover1.191.341.4575
Slightly volatile
Sales General And Administrative To Revenue0.420.360.4095
Slightly volatile
Capex To Revenue0.00930.00980.1
Slightly volatile
Cash Per Share16.314.6116.1949
Slightly volatile
POCF Ratio11.9912.6218.912
Very volatile
Interest Coverage0.760.83.1737
Pretty Stable
Capex To Operating Cash Flow0.03840.04040.4533
Slightly volatile
PFCF Ratio12.4313.0880.3855
Very volatile
Days Payables Outstanding197221241
Slightly volatile
Income Quality1.341.413.6667
Pretty Stable
ROE0.0570.05920.0535
Very volatile
PE Ratio14.6715.4440.4362
Very volatile
Return On Tangible Assets0.00480.00730.0056
Pretty Stable
Earnings Yield0.03720.05250.0417
Slightly volatile
Intangibles To Total Assets0.0050.00660.0057
Slightly volatile
Current Ratio0.220.240.2162
Slightly volatile
Tangible Book Value Per Share7.6110.19.1629
Slightly volatile
Receivables Turnover16.2515.0214.9253
Pretty Stable
Graham Number11.6414.5610.7837
Pretty Stable
Shareholders Equity Per Share8.1410.599.7485
Slightly volatile
Capex Per Share0.03630.03830.44
Slightly volatile
Revenue Per Share4.24.514.0828
Slightly volatile
Interest Debt Per Share0.820.780.3258
Slightly volatile
Short Term Coverage Ratios1.92.142.3289
Slightly volatile
Price Earnings Ratio14.6715.4440.4362
Very volatile
Operating Cycle20.2425.1624.6733
Pretty Stable
Price Book Value Ratio1.291.021.3226
Slightly volatile
Days Of Payables Outstanding197221241
Slightly volatile
Price To Operating Cash Flows Ratio11.9912.6218.912
Very volatile
Price To Free Cash Flows Ratio12.4313.0880.3855
Very volatile
Pretax Profit Margin0.140.180.1766
Very volatile
Ebt Per Ebit0.80.90.9812
Slightly volatile
Operating Profit Margin0.140.180.1767
Very volatile
Effective Tax Rate0.30.250.291
Pretty Stable
Company Equity Multiplier9.587.359.5008
Slightly volatile
Return On Capital Employed0.06740.06650.0652
Pretty Stable
Ebit Per Revenue0.140.180.1767
Very volatile
Quick Ratio0.220.240.2162
Slightly volatile
Dividend Paid And Capex Coverage Ratio21.3525.6116.7576
Slightly volatile
Net Income Per E B T0.580.710.699
Very volatile
Cash Ratio0.10.08740.0921
Slightly volatile
Operating Cash Flow Sales Ratio0.270.220.2917
Pretty Stable
Days Of Sales Outstanding20.2425.1624.6733
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.560.870.516
Slightly volatile
Price To Book Ratio1.291.021.3226
Slightly volatile
Fixed Asset Turnover1.362.211.5589
Slightly volatile
Capital Expenditure Coverage Ratio21.3525.6116.7576
Slightly volatile
Price Cash Flow Ratio11.9912.6218.912
Very volatile
Price Sales Ratio2.652.393.2433
Pretty Stable
Return On Assets0.00480.00720.0056
Pretty Stable
Asset Turnover0.03410.04690.0424
Very volatile
Net Profit Margin0.110.140.1278
Pretty Stable
Gross Profit Margin0.690.680.8531
Slightly volatile
Price Fair Value1.291.021.3226
Slightly volatile
Return On Equity0.0570.05920.0535
Very volatile

Pioneer Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap164.8 M202.7 M188.9 M
Slightly volatile

Pioneer Fundamental Market Drivers

Cash And Short Term Investments409 M

Pioneer Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Pioneer Bancorp Financial Statements

Pioneer Bancorp shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Pioneer Bancorp investors may analyze each financial statement separately, they are all interrelated. The changes in Pioneer Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses on on Pioneer Bancorp's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue113.5 M74.5 M
Cost Of Revenue28.2 M29.6 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.36  0.42 
Capex To Revenue 0.01  0.01 
Revenue Per Share 4.51  4.20 
Ebit Per Revenue 0.18  0.14 

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Additional Tools for Pioneer Stock Analysis

When running Pioneer Bancorp's price analysis, check to measure Pioneer Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pioneer Bancorp is operating at the current time. Most of Pioneer Bancorp's value examination focuses on studying past and present price action to predict the probability of Pioneer Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pioneer Bancorp's price. Additionally, you may evaluate how the addition of Pioneer Bancorp to your portfolios can decrease your overall portfolio volatility.
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