Pioneer Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Pioneer Bancorp
PBFS Stock  USD 13.82  0.06  0.43%   
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
351.3 M
Enterprise Value Revenue
4.4198
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 2025 and make sure the trends continue to evolve in the right direction. Enterprise Value is likely to gain to about 221.6 M in 2025, whereas Market Cap is likely to drop slightly above 176.1 M in 2025.

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 2.65, Dividend Yield of 0.0 or PTB Ratio of 1.25. 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 B2.1 B1.5 B
Slightly volatile
Short and Long Term Debt Total42 M40 M9.8 M
Slightly volatile
Other Current Liabilities1.6 B1.8 B1.3 B
Slightly volatile
Total Current Liabilities1.6 B1.8 B1.3 B
Slightly volatile
Total Stockholder Equity235.5 M314.2 M174.2 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 Net31.8 M35.7 M38.3 M
Very volatile
Retained Earnings164.7 M201.4 M133.1 M
Slightly volatile
Accounts Payable1.3 B1.8 B1.2 B
Slightly volatile
Cash201.8 M119.4 M130.6 M
Slightly volatile
Non Current Assets Total1.4 B1.7 B1.2 B
Slightly volatile
Non Currrent Assets Other54.6 M45.8 M43 M
Slightly volatile
Other Assets169.1 M178 M1 B
Slightly volatile
Cash And Short Term Investments453.1 M407.6 M305.6 M
Slightly volatile
Net Receivables5.8 M8.7 M4.5 M
Slightly volatile
Good Will9 M12.5 M7.2 M
Slightly volatile
Common Stock Shares Outstanding22.5 M25.1 M17.1 M
Slightly volatile
Short Term Investments251.3 M288.2 M175 M
Slightly volatile
Liabilities And Stockholders Equity1.8 B2.1 B1.5 B
Slightly volatile
Non Current Liabilities Total26.6 M29.5 M21 M
Slightly volatile
Capital Surpluse68.5 M130.8 M54 M
Slightly volatile
Other Current Assets261 M155.6 M520 M
Slightly volatile
Other Stockholder Equity79.4 M105.6 M49.6 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 Assets458.9 M416.3 M310.1 M
Slightly volatile
Short Term Debt646.4 K680.4 K2.5 M
Slightly volatile
Intangible Assets2.4 M2.5 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 Stock207.7 K255 K256.6 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 Administrative19.1 M11.7 M22.9 M
Very volatile
Selling And Marketing Expenses813 K956 K717.4 K
Slightly volatile
Total Revenue77 M88.1 M62.4 M
Slightly volatile
Gross Profit66.7 M88.1 M54.6 M
Slightly volatile
Other Operating Expenses54.6 M55.3 M46.4 M
Slightly volatile
Operating Income16.7 M32.9 M12.7 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
EBITDA17.1 M25.3 M14.3 M
Slightly volatile
Cost Of Revenue29.6 M28.2 M10.7 M
Slightly volatile
Total Operating Expenses45.4 M55.3 M39.3 M
Slightly volatile
Reconciled Depreciation2.9 M3 M2.4 M
Slightly volatile
Income Before Tax15.7 M24.8 M12.1 M
Slightly volatile
Net Income Applicable To Common Shares26.5 M25.2 M11.4 M
Slightly volatile
Net Income11.9 M19.2 M8.9 M
Slightly volatile
Income Tax Expense3.8 M5.6 M3.2 M
Slightly volatile

Pioneer Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation1.2 M1.9 M1.9 M
Slightly volatile
Free Cash Flow22.5 M32.2 M13.8 M
Slightly volatile
Begin Period Cash Flow193.6 M173 M125.5 M
Slightly volatile
Depreciation2.9 M2.5 M2.4 M
Slightly volatile
Capital Expenditures2.3 M1.5 M5.3 M
Slightly volatile
Total Cash From Operating Activities25.6 M33.7 M19.1 M
Slightly volatile
Net Income11.9 M19.2 M8.9 M
Slightly volatile
End Period Cash Flow211.4 M190 M137.9 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.653.30273.3004
Pretty Stable
PTB Ratio1.250.95561.3161
Slightly volatile
Days Sales Outstanding6.7 K6.4 K845
Slightly volatile
Book Value Per Share8.6816.674410.1368
Slightly volatile
Free Cash Flow Yield0.06670.11060.0567
Slightly volatile
Operating Cash Flow Per Share0.921.33421.1037
Very volatile
Stock Based Compensation To Revenue0.02310.0220.0138
Very volatile
Capex To Depreciation0.570.6012.5014
Slightly volatile
PB Ratio1.250.95561.3161
Slightly volatile
Free Cash Flow Per Share0.741.27460.6534
Slightly volatile
ROIC0.160.15330.059
Slightly volatile
Net Income Per Share0.460.760.5356
Very volatile
Payables Turnover1.191.341.4575
Slightly volatile
Sales General And Administrative To Revenue0.130.13270.3771
Slightly volatile
Capex To Revenue0.01620.01710.1009
Slightly volatile
Cash Per Share15.8415.229316.2048
Slightly volatile
POCF Ratio8.28.634418.4261
Very volatile
Interest Coverage0.971.023.0278
Slightly volatile
Capex To Operating Cash Flow0.04240.04470.4538
Slightly volatile
PFCF Ratio8.599.038279.8929
Very volatile
Days Payables Outstanding197221241
Slightly volatile
Income Quality1.671.75553.7089
Pretty Stable
ROE0.05840.0630.0538
Very volatile
PE Ratio14.415.157940.4017
Very volatile
Return On Tangible Assets0.00510.00920.0058
Slightly volatile
Earnings Yield0.0390.0660.0426
Slightly volatile
Intangibles To Total Assets0.0050.00650.0057
Slightly volatile
Current Ratio1.121.06660.3241
Slightly volatile
Tangible Book Value Per Share8.2316.13679.6026
Slightly volatile
Receivables Turnover0.0540.056812.9779
Slightly volatile
Graham Number8.814.357710.5935
Very volatile
Shareholders Equity Per Share8.312.05529.85
Slightly volatile
Debt To Equity0.140.13130.0357
Slightly volatile
Capex Per Share0.05660.05960.4426
Slightly volatile
Revenue Per Share4.163.4884.0165
Slightly volatile
Interest Debt Per Share1.661.58330.4579
Slightly volatile
Debt To Assets0.020.01910.0051
Slightly volatile
Short Term Coverage Ratios20.928.3922.7584
Slightly volatile
Price Earnings Ratio14.415.157940.4017
Very volatile
Operating Cycle6.7 K6.4 K845
Slightly volatile
Price Book Value Ratio1.250.95561.3161
Slightly volatile
Days Of Payables Outstanding197221241
Slightly volatile
Price To Operating Cash Flows Ratio8.28.634418.4261
Very volatile
Price To Free Cash Flows Ratio8.599.038279.8929
Very volatile
Pretax Profit Margin0.160.28170.1843
Pretty Stable
Ebt Per Ebit1.170.871.0795
Very volatile
Operating Profit Margin0.390.37290.2
Slightly volatile
Effective Tax Rate0.290.22650.2889
Pretty Stable
Company Equity Multiplier9.356.88369.4573
Slightly volatile
Long Term Debt To Capitalization0.0960.10.1138
Slightly volatile
Total Debt To Capitalization0.120.11610.0331
Slightly volatile
Return On Capital Employed0.06990.09560.0664
Very volatile
Debt Equity Ratio0.140.13130.0357
Slightly volatile
Ebit Per Revenue0.390.37290.2
Slightly volatile
Quick Ratio1.121.06660.3241
Slightly volatile
Dividend Paid And Capex Coverage Ratio20.9822.381116.5326
Slightly volatile
Net Income Per E B T0.590.77350.7036
Pretty Stable
Cash Ratio0.0960.05510.0898
Slightly volatile
Operating Cash Flow Sales Ratio0.270.38250.3019
Slightly volatile
Days Of Sales Outstanding6.7 K6.4 K845
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.580.95530.5226
Slightly volatile
Cash Flow Coverage Ratios0.80.84274.0814
Slightly volatile
Price To Book Ratio1.250.95561.3161
Slightly volatile
Fixed Asset Turnover1.432.48361.5803
Slightly volatile
Capital Expenditure Coverage Ratio20.9822.381116.5326
Slightly volatile
Price Cash Flow Ratio8.28.634418.4261
Very volatile
Debt Ratio0.020.01910.0051
Slightly volatile
Cash Flow To Debt Ratio0.80.84274.0814
Slightly volatile
Price Sales Ratio2.653.30273.3004
Pretty Stable
Return On Assets0.00510.00920.0057
Slightly volatile
Asset Turnover0.04690.0420.0429
Very volatile
Net Profit Margin0.120.21790.1333
Slightly volatile
Gross Profit Margin0.690.680.8537
Slightly volatile
Price Fair Value1.250.95561.3161
Slightly volatile
Return On Equity0.05840.0630.0538
Very volatile

Pioneer Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap176.1 M261.9 M197.4 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 Revenue88.1 M77 M
Cost Of Revenue28.2 M29.6 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.13  0.13 
Capex To Revenue 0.02  0.02 
Revenue Per Share 3.49  4.16 
Ebit Per Revenue 0.37  0.39 

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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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