Superworth

Pioneer Bancorp PBFS

Banks - Regional, Financial Services
$18.22
−0.92%
Market cap
$452.6M
PE
26.4×
6y median 17.8×
Forward PE
n/m
not a meaningful number
Revenue, 12 months
$102M
+11% on a year ago
Net margin
16.5%

Pioneer Bancorp trades at 26.4× trailing earnings, pricier than 68% of the last ten years. Revenue was $102M over the last twelve months, up 11% on a year earlier with a 17% net margin.

Charts

Financials

Income statement for PBFS, by quarter
Income statementQ1 FY24Q2 FY24Q3 FY24Q4 FY24Q2 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
$19.5M+5%$20.9M−1%$21.6M+4%$20.9M+8%$22M+13%$22.3M+6%$22.8M+6%$24.4M+17%$24M+9%$25M+13%$24.6M+8%$28.3M+16%
Interest expense$4.3M+724%$5.4M+539%$5.8M+358%$6.4M+122%$6.5M+52%$6.9M+28%$6.8M+17%$7.4M+16%$8.1M+25%$8.1M+18%$7.6M+13%$9M+22%
Pre-tax income$4.3M−34%$4M−50%$6.1M−21%$5M−12%$8.2M+90%$4.2M+5%$7.4M+23%$8.1M+62%$5.6M−32%$5.3M+26%$5.7M−23%$4.8M−41%
$890K−29%$822K−54%$1.3M−19%$1.1M−9%$1.9M+112%$923K+12%$1.7M+24%$1.7M+53%$1.3M−32%$1.6M+72%$416K−75%$1.3M−23%
Net income$3.4M−35%$3.2M−48%$4.7M−22%$3.9M−13%$6.3M+85%$3.3M+3%$5.8M+22%$6.5M+64%$4.3M−31%$3.7M+14%$5.3M−8%$3.5M−46%
$0.14−33%$0.13−48%$0.19−21%$0.16−11%$0.25+79%$0.13+0%$0.23+21%$0.26+63%$0.18−28%$0.15+15%$0.22−4%$0.14−46%
25.2M+0%25.2M+0%25.2M+0%25.2M+0%25.2M−0%25M−1%24.9M−1%24.6M−3%24.6M−2%24.4M−3%24.3M−2%24.3M−1%

EPS, diluted: 7 periods, Q4 FY20 to Q4 FY25: quarter's net income to common over its shares, to the cent.

Diluted shares: 4 periods, Q4 FY20 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. Q4 FY21: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days. Q4 FY24: share-days: the 6-month average less the 3-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

Companies in Banks - Regional nearest Pioneer Bancorp's size, closest first.

CompanyMarket capPEIts 10y median PEFwd PEP/SRevenue growthNet margin
PBFSPioneer Bancorp$452.6M26.4×17.8×n/m+11%16.5%
AVBCAvidia Bancorp$452.5M23.9×23.3×n/m+20%15.6%
RBBRBB Bancorp$447.3M10.9×10.1×n/m+8%31.5%
CBKCommercial Bancgroup$441.5M10.9×11.2×n/m+5%42.1%
CBANColony Bankcorp$432.1M12.3×12.2×n/m+24%21.6%
HBCPHome Bancorp$483.6M10.3×10.6×n/m+8%30.4%
PDLBPonce Financial$498.8M14.7×21.9×n/m+28%28.1%
FMAOFarmers & Merchants Bancorp$503.3M12.6×14.0×n/m+19%30.7%
CZFSCitizens Financial Services$406.8M9.9×10.4×n/m+12%34.8%
CHMGChemung Financial$404.4M12.0×10.4×n/m+40%27.9%
PCBPCB Bancorp$402.2M9.9×9.5×n/m+12%34.7%
Peer median$444.4M11.5×10.9×n/a+15%30.5%

More on Pioneer Bancorp

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Industry
Banks - Regional
Sector
Financial Services

Valuation data, not investment advice. Prices as of .