Pioneer Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Pioneer Bancorp
PBFS Stock  USD 11.58  0.21  1.78%   
Pioneer Bancorp financial statements provide useful quarterly and yearly information to potential Pioneer Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Pioneer Bancorp financial statements helps investors assess Pioneer Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Pioneer Bancorp's valuation are summarized below:
Gross Profit
78.4 M
Profit Margin
0.2316
Market Capitalization
306.2 M
Enterprise Value Revenue
3.8122
Revenue
78.4 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 272.4 M in 2025, whereas Market Cap is likely to drop slightly above 297.5 M in 2025.

Pioneer Bancorp Total Revenue

69.02 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 4.88, Dividend Yield of 0.0 or PTB Ratio of 1.75. Pioneer financial statements analysis is a perfect complement when working with Pioneer Bancorp Valuation or Volatility modules.
  
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 B2.2 B1.5 B
Slightly volatile
Short and Long Term Debt Total646.4 K680.4 K4.5 M
Slightly volatile
Total Current Liabilities1 B1.5 B851 M
Slightly volatile
Total Stockholder Equity223.4 M341 M175.8 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 Net32.1 M36.1 M38.3 M
Very volatile
Retained Earnings157.7 M215.9 M133.7 M
Slightly volatile
Accounts Payable1.3 B1.8 B1.2 B
Slightly volatile
Cash40.4 M42.5 M108.6 M
Slightly volatile
Non Current Assets Total46.1 M48.5 M214.6 M
Very volatile
Other Assets167.1 M175.9 M1 B
Slightly volatile
Cash And Short Term Investments423.4 M338.5 M285.6 M
Slightly volatile
Net Receivables1.6 B1.6 B358.3 M
Slightly volatile
Good Will8.6 M12.5 M7.2 M
Slightly volatile
Common Stock Shares Outstanding26 M29 M19.4 M
Slightly volatile
Short Term Investments244.3 M296 M175.5 M
Slightly volatile
Liabilities And Stockholders Equity1.8 B2.2 B1.5 B
Slightly volatile
Non Current Liabilities Total1.9 B1.8 B663.2 M
Slightly volatile
Capital Surpluse68.5 M130.8 M54 M
Slightly volatile
Other Current Assets261 M155.6 M520 M
Slightly volatile
Total Liabilities1.4 B1.8 B1.2 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 Assets956.6 M1.9 B990.5 M
Slightly volatile
Short Term Debt646.4 K680.4 K2.5 M
Slightly volatile
Intangible Assets2.5 M2.7 M2.1 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 M6.8 M
Slightly volatile
Selling General Administrative27.9 M35.9 M24.9 M
Slightly volatile
Selling And Marketing Expenses569.6 K656.1 K683.5 K
Very volatile
Total Revenue69 M85.3 M58.3 M
Slightly volatile
Gross Profit67.8 M85.3 M57.7 M
Slightly volatile
Other Operating Expenses30.5 M48.6 M37.3 M
Very volatile
Net Income From Continuing Ops12.9 M17.5 M9.9 M
Slightly volatile
Reconciled Depreciation2.9 M3 M2.4 M
Slightly volatile
Net Income Applicable To Common Shares26.5 M25.2 M11.4 M
Slightly volatile
Cost Of Revenue6.9 M7.8 M8.5 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 Flow20.5 M26.5 M13.2 M
Slightly volatile
Begin Period Cash Flow197.1 M173 M125.7 M
Slightly volatile
Capital Expenditures716.5 K754.2 K5.1 M
Slightly volatile
Total Cash From Operating Activities23.8 M27.4 M18.5 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 Ratio4.884.064.1178
Pretty Stable
PTB Ratio1.751.021.5609
Slightly volatile
Days Sales Outstanding6.3 K6 K1.5 K
Slightly volatile
Book Value Per Share12.0110.5912.4114
Pretty Stable
Free Cash Flow Yield0.05670.07910.0496
Slightly volatile
Operating Cash Flow Per Share0.740.850.9626
Very volatile
Stock Based Compensation To Revenue0.01940.00970.0312
Slightly volatile
PB Ratio1.751.021.5609
Slightly volatile
Free Cash Flow Per Share0.60.820.5495
Slightly volatile
Inventory Turnover0.0070.00790.0086
Slightly volatile
Days Of Inventory On Hand33.3 K37.4 K40.8 K
Slightly volatile
Sales General And Administrative To Revenue0.450.480.4416
Slightly volatile
Capex To Revenue0.01230.0130.1053
Slightly volatile
Cash Per Share13.2510.5113.8445
Slightly volatile
POCF Ratio11.9912.6221.8752
Very volatile
Capex To Operating Cash Flow0.03840.04040.4563
Slightly volatile
PFCF Ratio12.4313.0885.2087
Very volatile
Intangibles To Total Assets0.00760.00840.0064
Slightly volatile
Current Ratio1.131.193.0188
Very volatile
Tangible Book Value Per Share11.6410.111.9314
Pretty Stable
Receivables Turnover0.060.063110.8568
Slightly volatile
Graham Number7.311.49.5871
Very volatile
Shareholders Equity Per Share6.9510.598.9326
Very volatile
Debt To Equity0.00280.00290.0296
Slightly volatile
Capex Per Share0.03630.03830.4071
Slightly volatile
Revenue Per Share3.043.393.3318
Slightly volatile
Interest Debt Per Share0.850.810.5093
Very volatile
Debt To Assets4.0E-45.0E-40.0032
Slightly volatile
Short Term Coverage Ratios1.92.142.3289
Slightly volatile
Operating Cycle6.1 K6 K4.1 K
Slightly volatile
Price Book Value Ratio1.751.021.5609
Slightly volatile
Price To Operating Cash Flows Ratio11.9912.6221.8752
Very volatile
Price To Free Cash Flows Ratio12.4313.0885.2087
Very volatile
Ebt Per Ebit0.791.30.9344
Slightly volatile
Effective Tax Rate0.340.250.3132
Pretty Stable
Company Equity Multiplier9.447.359.4269
Slightly volatile
Total Debt To Capitalization0.00280.00290.0284
Slightly volatile
Debt Equity Ratio0.00280.00290.0296
Slightly volatile
Quick Ratio0.560.594.189
Very volatile
Dividend Paid And Capex Coverage Ratio21.3225.6116.7341
Slightly volatile
Net Income Per E B T0.550.710.6775
Very volatile
Cash Ratio0.10.111.3682
Very volatile
Cash Conversion Cycle6.1 K6 K4.1 K
Slightly volatile
Operating Cash Flow Sales Ratio0.280.290.3089
Pretty Stable
Days Of Inventory Outstanding33.3 K37.4 K40.8 K
Slightly volatile
Days Of Sales Outstanding6.3 K6 K1.5 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.550.870.5124
Slightly volatile
Cash Flow Coverage Ratios29.8128.398.3715
Slightly volatile
Price To Book Ratio1.751.021.5609
Slightly volatile
Fixed Asset Turnover1.251.661.425
Slightly volatile
Capital Expenditure Coverage Ratio21.3225.6116.7341
Slightly volatile
Price Cash Flow Ratio11.9912.6221.8752
Very volatile
Debt Ratio4.0E-45.0E-40.0032
Slightly volatile
Cash Flow To Debt Ratio29.8128.398.3715
Slightly volatile
Price Sales Ratio4.884.064.1178
Pretty Stable
Asset Turnover0.04330.0450.0405
Very volatile
Gross Profit Margin0.710.80.8743
Slightly volatile
Price Fair Value1.751.021.5609
Slightly volatile

Pioneer Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap297.5 M301 M232.9 M
Slightly volatile

Pioneer Fundamental Market Drivers

Cash And Short Term Investments294.3 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 Revenue85.3 M69 M
Cost Of Revenue7.8 M6.9 M
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.48  0.45 
Capex To Revenue 0.01  0.01 
Revenue Per Share 3.39  3.04 
Ebit Per Revenue 0.21  0.23 

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Additional Tools for Pioneer Stock Analysis

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