Pioneer Bancorp Net Income vs. Return On Equity
Is there potential for Regional Banks market expansion? Will Pioneer introduce new products? Factors like these will boost the valuation of Pioneer Bancorp. Anticipated expansion of Pioneer directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. All the valuation information about Pioneer Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.154 | Earnings Share 0.83 | Revenue Per Share | Quarterly Revenue Growth 0.157 | Return On Assets |
Investors evaluate Pioneer Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Pioneer Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Pioneer Bancorp's market price to deviate significantly from intrinsic value.
It's important to distinguish between Pioneer Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pioneer Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Pioneer Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
Pioneer Bancorp Return On Equity vs. Net Income Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Pioneer Bancorp's current stock value. Our valuation model uses many indicators to compare Pioneer Bancorp value to that of its competitors to determine the firm's financial worth. Pioneer Bancorp is rated below average in net income category among its peers. It is rated below average in return on equity category among its peers . The ratio of Net Income to Return On Equity for Pioneer Bancorp is about 292,682,927 . At this time, Pioneer Bancorp's Net Income is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Pioneer Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Pioneer Return On Equity vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Pioneer Bancorp |
| = | 19.2 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Pioneer Bancorp |
| = | 0.0656 |
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
Pioneer Return On Equity Comparison
Pioneer Bancorp is currently under evaluation in return on equity category among its peers.
Pioneer Bancorp Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Pioneer Bancorp, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Pioneer Bancorp will eventually generate negative long term returns. The profitability progress is the general direction of Pioneer Bancorp's change in net profit over the period of time. It can combine multiple indicators of Pioneer Bancorp, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | 8.1 M | 8.5 M | |
| Net Interest Income | 76.5 M | 54.1 M | |
| Interest Income | 101.6 M | 60.3 M | |
| Operating Income | 37.8 M | 39.7 M | |
| Net Income From Continuing Ops | 17.5 M | 12.9 M | |
| Income Before Tax | 28.5 M | 15.7 M | |
| Total Other Income Expense Net | -9.2 M | -8.8 M | |
| Net Income Applicable To Common Shares | 25.2 M | 26.5 M | |
| Net Income | 22.1 M | 11.9 M | |
| Income Tax Expense | 6.5 M | 3.8 M | |
| Change To Netincome | 760.5 K | 722.5 K | |
| Net Income Per Share | 0.68 | 0.46 | |
| Income Quality | 1.58 | 1.50 | |
| Net Income Per E B T | 0.70 | 0.59 |
Pioneer Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Pioneer Bancorp. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Pioneer Bancorp position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Pioneer Bancorp's important profitability drivers and their relationship over time.
Pioneer Bancorp Earnings per Share Projection vs Actual
Use Pioneer Bancorp in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Pioneer Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Pioneer Bancorp will appreciate offsetting losses from the drop in the long position's value.Pioneer Bancorp Pair Trading
Pioneer Bancorp Pair Trading Analysis
The ability to find closely correlated positions to Pioneer Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Pioneer Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Pioneer Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Pioneer Bancorp to buy it.
The correlation of Pioneer Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Pioneer Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Pioneer Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Pioneer Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Pioneer Bancorp position
In addition to having Pioneer Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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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.