Pioneer Bancorp (PBFS) AI Stock Analysis

• Market Cap: $289.50M
• Dividend Yield: N/A
• Average Volume (3M): 22.50K
• Price to Earnings (P/E): 15.5
• Beta (1Y): 0.45
• Revenue Growth: 27.04%
• EPS Growth: 6.52%
• Country: US
• Employees: 272
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 0.72
• Shares Outstanding: 25,848,091
• 10 Day Avg. Volume: 16,013
• 30 Day Avg. Volume: 22,499
• PEG Ratio: 2.37
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.82
• Price to Cash Flow (P/CF): 39.70
• P/FCF Ratio: 11.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Pioneer Bancorp's overall stock score reflects its strong financial performance, with robust revenue growth and a solid balance sheet devoid of debt. Technical indicators suggest a stable stock price with no significant upward or downward momentum. The valuation appears fair, suggesting that the stock is reasonably priced at current levels. The absence of recent earnings call insights and corporate events does not detract from the overall positive outlook.

Pioneer Bancorp Business Overview & Revenue Model

Company Description

Pioneer Bancorp, Inc. is the holding company for Pioneer Bank, which operates primarily in the financial services sector. The bank provides a range of banking products and services, primarily focusing on community banking with offerings that include personal and business banking, wealth management, and lending services. Pioneer Bank serves individual customers, small to medium-sized businesses, and offers various deposit products, loan options, and other financial services.

How the Company Makes Money

Pioneer Bancorp makes money through various revenue streams, primarily driven by its banking operations. The company earns interest income from loans provided to customers, which include personal loans, commercial loans, and mortgage loans. Additionally, it generates revenue from interest earned on securities and investments. Non-interest income also contributes to the company's earnings, which includes fees from services such as wealth management, transaction processing, and other banking services. The bank may also engage in activities like credit card services and ATM fees, which further augment its income. By managing the spread between interest earned on loans and investments and interest paid on deposits, Pioneer Bancorp maintains its profitability. Significant partnerships with local businesses and community involvement help in expanding its customer base, contributing to its financial performance.

Pioneer Bancorp Financial Statement Overview

Summary

Pioneer Bancorp exhibits strong financial health with excellent profitability and a robust balance sheet free of debt. Revenue growth is impressive at 30.6%, although caution is warranted with the declining EBIT margin and operating cash flow ratios. The financial outlook remains positive given the bank's growth trajectory and prudent financial management.

Income Statement

Pioneer Bancorp shows a healthy financial performance with a strong net profit margin of 18.7% TTM, indicating good profitability. The revenue growth rate from the previous annual period to TTM is impressive at 30.6%, suggesting robust growth. However, there is a notable decline in EBIT margin from the previous year to TTM (from 18.1% to 24.0%), which needs careful monitoring despite the overall profitability.

Balance Sheet

The balance sheet is strong with no debt, reflected in a debt-to-equity ratio of 0. The equity ratio stands at 15.1%, indicating a solid equity position. Return on equity is quite healthy at 6.0% TTM, which points to efficient use of equity capital. The absence of leverage is a significant strength, suggesting financial stability and low risk.

Cash Flow

Cash flow analysis indicates a cautious view with a decline in operating cash flow to net income ratio from 1.1 in the previous annual period to 0.7 TTM. Free cash flow growth rate is positive, indicating steady cash generation capacity. The free cash flow to net income ratio of 0.7 TTM suggests a moderate conversion of income into free cash.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
96.98M	74.19M	79.69M	56.45M	57.57M	64.47M
	Gross Profit
92.15M	74.19M	71.03M	56.45M	57.57M	64.47M
	EBIT
23.30M	13.46M	27.86M	14.80M	2.66M	-9.80M
	EBITDA
17.02M	0.00	30.55M	16.08M	0.00	0.00
	Net Income Common Stockholders
18.15M	15.26M	21.95M	10.28M	1.08M	-6.51M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
120.28M	294.35M	465.25M	854.38M	589.38M	231.29M
	Total Assets
1.28B	1.90B	1.86B	1.96B	1.80B	1.53B
	Total Debt
0.00	756.00K	5.71M	0.00	0.00	0.00
	Net Debt
-120.28M	-150.80M	-142.60M	-372.59M	-324.78M	-155.52M
	Total Liabilities
0.00	1.60B	1.60B	1.72B	1.57B	7.76M
	Stockholders Equity
118.06M	296.53M	266.70M	242.63M	237.82M	223.97M
Cash Flow		Free Cash Flow
12.64M	23.01M	25.82M	49.19M	32.06M	322.00K
	Operating Cash Flow
13.22M	23.85M	26.27M	49.97M	32.65M	2.02M
	Investing Cash Flow
-38.30M	-18.05M	-114.87M	-148.03M	-125.11M	-109.47M
	Financing Cash Flow
33.51M	8.91M	-136.98M	149.16M	260.51M	34.24M

Pioneer Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBFS, the sentiment is Negative. The current price of 11.2 is below the 20-day moving average (MA) of 11.55, below the 50-day MA of 11.68, and below the 200-day MA of 11.27, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 36.36 is Neutral, neither overbought nor oversold. The STOCH value of 41.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PBFS.

Pioneer Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBFS	72 Outperform	$289.50M	15.47	6.20%	―	27.04%	6.52%
CIVB	71 Outperform	$285.44M	9.15	8.10%	3.52%	11.16%	-26.17%
PCB	69 Neutral	$251.09M	10.05	7.23%	4.24%	18.57%	-18.14%
FSBW	66 Neutral	$297.52M	8.79	12.30%	2.90%	9.78%	-3.24%
PDLB	66 Neutral	$265.79M	24.19	2.20%	―	27.46%	206.86%
Sector *	63 Neutral	$13.51B	9.48	9.36%	4.87%	16.09%	-8.30%
RBB	50 Neutral	$270.87M	10.41	5.23%	4.17%	-1.75%	-34.45%