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NASDAQ: PBFS
Pioneer Bancorp Inc Stock

$11.00+0.02 (+0.18%)
Updated Jul 22, 2024
PBFS Price
$11.00
Fair Value Price
$31.61
Market Cap
$285.75M
52 Week Low
$7.81
52 Week High
$11.20
P/E
17.19x
P/B
0.99x
P/S
3.13x
PEG
0.2x
Dividend Yield
N/A
Revenue
$79.09M
Earnings
$15.84M
Gross Margin
100%
Operating Margin
25.41%
Profit Margin
20%
Debt to Equity
5.86
Operating Cash Flow
$28M
Beta
0.7
Next Earnings
Aug 14, 2024
Ex-Dividend
N/A
Next Dividend
N/A

PBFS Overview

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.

Zen Score

Industry Average (30)
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Due Diligence Checks

PBFS ($11.00) is undervalued by 65.2% relative to our estimate of its Fair Value price of $31.61 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PBFS ($11.00) is significantly undervalued by 65.2% relative to our estimate of its Fair Value price of $31.61 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
PBFS ($11.00) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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PBFS News

Valuation

PBFS fair value

Fair Value of PBFS stock based on Discounted Cash Flow (DCF)
Price
$11.00
Fair Value
$31.37
Undervalued by
64.93%
PBFS ($11.00) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PBFS ($11.00) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PBFS ($11.00) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

PBFS price to earnings (PE)

For valuing profitable companies with steady earnings
Company
17.19x
Industry
13.81x
Market
29.85x
PBFS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PBFS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

PBFS price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.99x
Industry
1.13x
PBFS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

PBFS price to earnings growth (PEG)

For valuing profitable companies with growth potential
PBFS is good value based... subscribe to Premium to read more.
PEG Value Valuation

PBFS's financial health

Profit margin

Revenue
$21.5M
Net Income
$4.7M
Profit Margin
22%
PBFS's Earnings (EBIT) of $20.10M... subscribe to Premium to read more.
Interest Coverage Financials
PBFS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.0B
Liabilities
$1.7B
Debt to equity
5.86
PBFS's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
PBFS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$3.3M
Investing
-$21.0M
Financing
$124.6M
PBFS's operating cash flow ($28.45M)... subscribe to Premium to read more.
Debt Coverage Financials

PBFS vs Bank Stocks

TickerMarket Cap1d %P/EP/B
PBFS$285.75M+0.18%17.19x0.99x
SFST$286.85M-0.09%21.32x0.91x
CIVB$287.96M+3.86%7.89x0.78x
WSBF$288.37M+2.30%27.70x0.85x
FLIC$275.15M+2.00%11.42x0.73x

Pioneer Bancorp Stock FAQ

What is Pioneer Bancorp's quote symbol?

(NASDAQ: PBFS) Pioneer Bancorp trades on the NASDAQ under the ticker symbol PBFS. Pioneer Bancorp stock quotes can also be displayed as NASDAQ: PBFS.

If you're new to stock investing, here's how to buy Pioneer Bancorp stock.

What is the 52 week high and low for Pioneer Bancorp (NASDAQ: PBFS)?

(NASDAQ: PBFS) Pioneer Bancorp's 52-week high was $11.20, and its 52-week low was $7.81. It is currently -1.79% from its 52-week high and 40.85% from its 52-week low.

How much is Pioneer Bancorp stock worth today?

(NASDAQ: PBFS) Pioneer Bancorp currently has 25,977,679 outstanding shares. With Pioneer Bancorp stock trading at $11.00 per share, the total value of Pioneer Bancorp stock (market capitalization) is $285.75M.

Pioneer Bancorp stock was originally listed at a price of $14.75 in Jul 18, 2019. If you had invested in Pioneer Bancorp stock at $14.75, your return over the last 5 years would have been -25.42%, for an annualized return of -5.7% (not including any dividends or dividend reinvestments).

How much is Pioneer Bancorp's stock price per share?

(NASDAQ: PBFS) Pioneer Bancorp stock price per share is $11.00 today (as of Jul 22, 2024).

What is Pioneer Bancorp's Market Cap?

(NASDAQ: PBFS) Pioneer Bancorp's market cap is $285.75M, as of Jul 24, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Pioneer Bancorp's market cap is calculated by multiplying PBFS's current stock price of $11.00 by PBFS's total outstanding shares of 25,977,679.
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