Is Pioneer Bancorp Stock a Good Investment?
Pioneer Bancorp Investment Advice | PBFS |
- Examine Pioneer Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Pioneer Bancorp's leadership team and their track record. Good management can help Pioneer Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Pioneer Bancorp's business and its evolving consumer preferences.
- Compare Pioneer Bancorp's performance and market position to its competitors. Analyze how Pioneer Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if Pioneer Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Pioneer Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Pioneer Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Pioneer Bancorp is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Not Available | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Pioneer Bancorp Stock
Researching Pioneer Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 57.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.95. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pioneer Bancorp has Price/Earnings (P/E) ratio of 380.0. The entity had not issued any dividends in recent years.
To determine if Pioneer Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Pioneer Bancorp's research are outlined below:
| About 57.0% of the company outstanding shares are owned by corporate insiders |
Pioneer Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Pioneer Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Pioneer Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Pioneer Bancorp's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 289.09 M.Pioneer Bancorp's profitablity analysis
The company has Profit Margin (PM) of 0.23 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.37 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.37.Determining Pioneer Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if Pioneer Bancorp is a good buy. For example, gross profit margin measures Pioneer Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Pioneer Bancorp's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Pioneer Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Pioneer Bancorp. Check Pioneer Bancorp's Beneish M Score to see the likelihood of Pioneer Bancorp's management manipulating its earnings.
Basic technical analysis of Pioneer Stock
As of the 21st of January, Pioneer Bancorp holds the Coefficient Of Variation of (4,779), risk adjusted performance of (0.02), and Variance of 1.0. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pioneer Bancorp, as well as the relationship between them. Please check Pioneer Bancorp market risk adjusted performance, information ratio, as well as the relationship between the Information Ratio and skewness to decide if Pioneer Bancorp is priced some-what accurately, providing market reflects its current price of 11.13 per share. Given that Pioneer Bancorp has information ratio of (0.05), we recommend you to check out Pioneer Bancorp's recent market performance to make sure the company can sustain itself at a future point.Pioneer Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Pioneer Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Pioneer Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Pioneer Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Seifert Charles over a month ago Acquisition by Seifert Charles of 5000 shares of Pioneer Bancorp subject to Rule 16b-3 | ||
Patrick Hughes over three months ago Disposition of tradable shares by Patrick Hughes of Pioneer Bancorp subject to Rule 16b-3 | ||
Mahoney Shaun over six months ago Acquisition by Mahoney Shaun of 4500 shares of Pioneer Bancorp at 10.41 subject to Rule 16b-3 | ||
Susan Hollister over six months ago Acquisition by Susan Hollister of 7074 shares of Pioneer Bancorp at 10.056 subject to Rule 16b-3 | ||
Reed James K over six months ago Acquisition by Reed James K of 10000 shares of Pioneer Bancorp subject to Rule 16b-3 | ||
Murphy James Edward over a year ago Pioneer Bancorp exotic insider transaction detected |
Pioneer Bancorp's Outstanding Corporate Bonds
Pioneer Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Pioneer Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Pioneer bonds can be classified according to their maturity, which is the date when Pioneer Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
Understand Pioneer Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Pioneer Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.02) | |||
| Market Risk Adjusted Performance | (0.18) | |||
| Mean Deviation | 0.7131 | |||
| Coefficient Of Variation | (4,779) | |||
| Standard Deviation | 1.0 | |||
| Variance | 1.0 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.05) | |||
| Treynor Ratio | (0.19) | |||
| Maximum Drawdown | 5.2 | |||
| Value At Risk | (1.77) | |||
| Potential Upside | 1.52 | |||
| Skewness | (0.52) | |||
| Kurtosis | 1.51 |
| Risk Adjusted Performance | (0.02) | |||
| Market Risk Adjusted Performance | (0.18) | |||
| Mean Deviation | 0.7131 | |||
| Coefficient Of Variation | (4,779) | |||
| Standard Deviation | 1.0 | |||
| Variance | 1.0 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.05) | |||
| Treynor Ratio | (0.19) | |||
| Maximum Drawdown | 5.2 | |||
| Value At Risk | (1.77) | |||
| Potential Upside | 1.52 | |||
| Skewness | (0.52) | |||
| Kurtosis | 1.51 |
Consider Pioneer Bancorp's intraday indicators
Pioneer Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Pioneer Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Pioneer Bancorp time-series forecasting models is one of many Pioneer Bancorp's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Pioneer Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.
Pioneer Stock media impact
Far too much social signal, news, headlines, and media speculation about Pioneer Bancorp that are available to investors today. That information is available publicly through Pioneer media outlets and privately through word of mouth or via Pioneer internal channels. However, regardless of the origin, that massive amount of Pioneer data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Pioneer Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Pioneer Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Pioneer Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Pioneer Bancorp alpha.
Pioneer Bancorp Corporate Management
| Robert Nichols | Ex Officer | Profile | |
| Thomas CPA | Executive Officer | Profile | |
| Kelli Arnold | Executive Officer | Profile | |
| James Murphy | Executive Officer | Profile | |
| Jesse Tomczak | Executive Officer | Profile |
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.