Pioneer Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Pioneer Bancorp
PBFS Stock  USD 13.82  0.44  3.29%   
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
91.7 M
Profit Margin
0.2266
Market Capitalization
339.6 M
Enterprise Value Revenue
4.2367
Revenue
91.7 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 2026 and make sure the trends continue to evolve in the right direction. Enterprise Value is likely to gain to about 174.4 M in 2026, whereas Market Cap is likely to drop slightly above 177.8 M in 2026.

Pioneer Bancorp Total Revenue

76.96 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 2.66, Dividend Yield of 0.0 or PTB Ratio of 1.26. Pioneer financial statements analysis is a perfect complement when working with Pioneer Bancorp Valuation or Volatility modules.
  
Build AI portfolio with Pioneer Stock
Check out the analysis of Pioneer Bancorp Correlation against competitors.
For more information on how to buy Pioneer Stock please use our How to Invest in Pioneer Bancorp guide.

Pioneer Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.8 B2.4 B1.5 B
Slightly volatile
Short and Long Term Debt Total48.3 M46 M12.3 M
Slightly volatile
Other Current Liabilities1.6 B2 B1.3 B
Slightly volatile
Total Current Liabilities1.6 B2 B1.3 B
Slightly volatile
Total Stockholder Equity235.5 M361.4 M185.2 M
Slightly volatile
Other Liabilities22.2 M25.7 M18.4 M
Slightly volatile
Net Tangible Assets198.3 M294.2 M168 M
Slightly volatile
Property Plant And Equipment Net31.8 M32.2 M38 M
Pretty Stable
Retained Earnings164.7 M231.6 M138.9 M
Slightly volatile
Accounts Payable1.3 B1.8 B1.2 B
Slightly volatile
Cash201.8 M137.3 M131 M
Slightly volatile
Non Current Assets Total1.4 B1.9 B1.2 B
Slightly volatile
Non Currrent Assets Other54.6 M52.6 M43.6 M
Slightly volatile
Other Assets152.2 M160.2 M981.3 M
Slightly volatile
Cash And Short Term Investments453.1 M468.7 M315.2 M
Slightly volatile
Net Receivables5.8 M10 M4.8 M
Slightly volatile
Good Will9 M12.5 M7.5 M
Slightly volatile
Common Stock Shares Outstanding22.5 M28.9 M17.8 M
Slightly volatile
Short Term Investments251.3 M331.5 M184.2 M
Slightly volatile
Liabilities And Stockholders Equity1.8 B2.4 B1.5 B
Slightly volatile
Non Current Liabilities Total26.6 M34 M21.7 M
Slightly volatile
Capital Surpluse68.5 M130.8 M57.5 M
Slightly volatile
Other Current Assets261 M155.6 M499.5 M
Slightly volatile
Other Stockholder Equity79.4 M121.4 M53.8 M
Slightly volatile
Total Liabilities1.6 B2 B1.3 B
Slightly volatile
Long Term Investments308.6 M324.9 M375.8 M
Slightly volatile
Property Plant And Equipment Gross52.3 M70.3 M46.4 M
Slightly volatile
Total Current Assets458.9 M478.8 M320 M
Slightly volatile
Short Term Debt646.4 K680.4 K2.4 M
Slightly volatile
Intangible Assets2.4 M2.8 M1.7 M
Slightly volatile
Property Plant Equipment32.1 M37.5 M38.7 M
Pretty Stable
Earning Assets209 M324.2 M198.5 M
Slightly volatile
Common Stock Total Equity208 K234 K255.4 K
Slightly volatile
Retained Earnings Total Equity157.9 M173.8 M145.5 M
Slightly volatile
Capital Stock286.7 K302.4 K264.4 K
Slightly volatile
Non Current Liabilities Other33.1 M47.5 M30.3 M
Slightly volatile
Common Stock207.7 K229.5 K255 K
Slightly volatile

Pioneer Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income54.1 M76.5 M47.2 M
Slightly volatile
Interest Income60.3 M101.6 M53.8 M
Slightly volatile
Depreciation And Amortization2.9 M3 M2.4 M
Slightly volatile
Interest Expense26.3 M25.1 M7.8 M
Slightly volatile
Selling General Administrative19.1 M10.5 M22.2 M
Pretty Stable
Selling And Marketing Expenses813 K1.1 M739.9 K
Slightly volatile
Total Revenue77 M101.3 M64.7 M
Slightly volatile
Gross Profit66.7 M101.3 M57.4 M
Slightly volatile
Other Operating Expenses54.6 M63.5 M47.4 M
Slightly volatile
Operating Income39.7 M37.8 M15.5 M
Slightly volatile
Net Income From Continuing Ops12.9 M17.5 M10.2 M
Slightly volatile
EBIT14.2 M22.3 M12.3 M
Slightly volatile
EBITDA17.1 M25.3 M14.8 M
Slightly volatile
Cost Of Revenue29.6 M28.2 M11.5 M
Slightly volatile
Total Operating Expenses45.4 M63.5 M40.7 M
Slightly volatile
Reconciled Depreciation2.9 M3 M2.4 M
Slightly volatile
Income Before Tax15.7 M28.5 M13.1 M
Slightly volatile
Net Income Applicable To Common Shares26.5 M25.2 M12 M
Slightly volatile
Net Income11.9 M22.1 M9.7 M
Slightly volatile
Income Tax Expense3.8 M6.5 M3.4 M
Slightly volatile

Pioneer Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation1.2 M1.7 M1.9 M
Slightly volatile
Free Cash Flow22.5 M37 M15.2 M
Slightly volatile
Begin Period Cash Flow193.6 M173 M126.9 M
Slightly volatile
Depreciation2.9 M2.9 M2.4 M
Slightly volatile
Capital Expenditures2.3 M1.4 M5 M
Slightly volatile
Total Cash From Operating Activities25.6 M38.8 M20.3 M
Slightly volatile
Net Income11.9 M22.1 M9.7 M
Slightly volatile
End Period Cash Flow211.4 M190 M139.5 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.663.13.2981
Pretty Stable
PTB Ratio1.261.111.3053
Slightly volatile
Days Sales Outstanding21.232.4525.831
Slightly volatile
Book Value Per Share8.3411.29.9544
Slightly volatile
Free Cash Flow Yield0.06620.09540.0587
Slightly volatile
Operating Cash Flow Per Share0.921.21.1094
Very volatile
Stock Based Compensation To Revenue0.02080.01980.014
Pretty Stable
Capex To Depreciation1.320.692.439
Slightly volatile
PB Ratio1.261.111.3053
Slightly volatile
Free Cash Flow Per Share0.741.150.6826
Slightly volatile
ROIC0.03970.06650.0492
Very volatile
Net Income Per Share0.460.680.5441
Pretty Stable
Payables Turnover1.191.341.4592
Slightly volatile
Sales General And Administrative To Revenue0.140.150.3644
Slightly volatile
Capex To Revenue0.01870.01970.0963
Slightly volatile
Cash Per Share15.9214.5216.1637
Slightly volatile
POCF Ratio9.8510.3718.0717
Very volatile
Interest Coverage0.760.83.0393
Slightly volatile
Capex To Operating Cash Flow0.04880.05140.4305
Slightly volatile
PFCF Ratio10.3110.8575.9563
Very volatile
Days Payables Outstanding197221241
Slightly volatile
Income Quality1.51.583.5737
Very volatile
ROE0.05820.07030.0547
Very volatile
PE Ratio17.2918.239.3052
Very volatile
Return On Tangible Assets0.00510.00830.0059
Slightly volatile
Earnings Yield0.03870.05690.0433
Slightly volatile
Intangibles To Total Assets0.0050.00570.0057
Slightly volatile
Current Ratio0.220.210.2157
Slightly volatile
Tangible Book Value Per Share7.910.729.4245
Slightly volatile
Receivables Turnover15.6811.6414.4086
Slightly volatile
Graham Number8.8213.1310.7572
Pretty Stable
Shareholders Equity Per Share8.3411.29.9544
Slightly volatile
Capex Per Share0.06510.06860.4211
Slightly volatile
Revenue Per Share4.164.014.0154
Slightly volatile
Interest Debt Per Share0.820.780.3575
Slightly volatile
Price Earnings Ratio17.2918.239.3052
Very volatile
Operating Cycle21.232.4525.831
Slightly volatile
Price Book Value Ratio1.261.111.3053
Slightly volatile
Days Of Payables Outstanding197221241
Slightly volatile
Price To Operating Cash Flows Ratio9.8510.3718.0717
Very volatile
Price To Free Cash Flows Ratio10.3110.8575.9563
Very volatile
Pretax Profit Margin0.160.250.1882
Pretty Stable
Ebt Per Ebit0.610.680.7424
Slightly volatile
Operating Profit Margin0.170.340.1994
Slightly volatile
Effective Tax Rate0.290.260.2872
Pretty Stable
Company Equity Multiplier9.317.679.3284
Slightly volatile
Return On Capital Employed0.0730.110.0706
Very volatile
Ebit Per Revenue0.170.340.1994
Slightly volatile
Quick Ratio0.220.210.2157
Slightly volatile
Dividend Paid And Capex Coverage Ratio20.9820.1416.7448
Slightly volatile
Net Income Per E B T0.590.70.7034
Pretty Stable
Cash Ratio0.0960.06130.0889
Slightly volatile
Operating Cash Flow Sales Ratio0.270.340.3042
Slightly volatile
Days Of Sales Outstanding21.232.4525.831
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.580.860.5424
Slightly volatile
Price To Book Ratio1.261.111.3053
Slightly volatile
Fixed Asset Turnover1.422.221.6162
Slightly volatile
Capital Expenditure Coverage Ratio20.9820.1416.7448
Slightly volatile
Price Cash Flow Ratio9.8510.3718.0717
Very volatile
Price Sales Ratio2.663.13.2981
Pretty Stable
Return On Assets0.00510.00820.0059
Slightly volatile
Asset Turnover0.04690.04830.0433
Pretty Stable
Net Profit Margin0.120.20.1373
Slightly volatile
Gross Profit Margin0.690.680.8478
Slightly volatile
Price Fair Value1.261.111.3053
Slightly volatile
Return On Equity0.05820.07030.0547
Very volatile

Pioneer Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap177.8 M273.5 M205.2 M
Slightly volatile

Pioneer Fundamental Market Drivers

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 Revenue101.3 M77 M
Cost Of Revenue28.2 M29.6 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.15  0.14 
Capex To Revenue 0.02  0.02 
Revenue Per Share 4.01  4.16 
Ebit Per Revenue 0.34  0.17 

Thematic Opportunities

Explore Investment Opportunities

Build portfolios using Macroaxis predefined set of investing ideas. Many of Macroaxis investing ideas can easily outperform a given market. Ideas can also be optimized per your risk profile before portfolio origination is invoked. Macroaxis thematic optimization helps investors identify companies most likely to benefit from changes or shifts in various micro-economic or local macro-level trends. Originating optimal thematic portfolios involves aligning investors' personal views, ideas, and beliefs with their actual investments.
Explore Investing Ideas  

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.
Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions
 
Feedback Blog
Made with optimal in San Francisco
2026 Macroaxis LLC
COMMON DESTINATIONS
MAIN CATEGORIES
COMPANY