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Pioneer Bancorp Inc (PBFS)
NASDAQ:PBFS
US Market

Pioneer Bancorp (PBFS) Ratios

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Pioneer Bancorp Ratios

PBFS's free cash flow for Q2 2026 was $0.74. For the 2026 fiscal year, PBFS's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.
Ratios
TTM
Sep 25Jun 24Jun 23Jun 22
Liquidity Ratios
Current Ratio
0.77 0.24 0.27 0.38 0.51
Quick Ratio
0.77 0.24 0.27 0.38 0.51
Cash Ratio
2.64 0.07 0.10 0.10 0.22
Solvency Ratio
0.01 0.01 0.01 0.02 <0.01
Operating Cash Flow Ratio
0.22 0.02 0.02 0.02 0.03
Short-Term Operating Cash Flow Coverage
0.22 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.80B$ -1.37B$ -1.18B$ -1.00B$ -862.60M
Leverage Ratios
Debt-to-Assets Ratio
0.03 0.00 0.00 0.00 0.00
Debt-to-Equity Ratio
0.17 0.00 0.00 0.00 0.00
Debt-to-Capital Ratio
0.14 0.00 0.00 0.00 0.00
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
6.68 6.67 6.39 6.96 8.10
Debt Service Coverage Ratio
0.27 0.00 0.82 4.49 8.90
Interest Coverage Ratio
0.87 0.00 0.89 5.07 9.11
Debt to Market Cap
0.15 0.00 0.00 0.00 0.00
Interest Debt Per Share
3.52 0.00 0.87 0.22 0.06
Net Debt to EBITDA
-2.86 0.00 -6.89 -4.85 -23.17
Profitability Margins
Gross Profit Margin
73.10%100.00%75.17%93.55%98.42%
EBIT Margin
20.91%0.00%19.67%32.70%23.03%
EBITDA Margin
21.84%0.00%22.30%35.87%27.77%
Operating Profit Margin
20.91%37.29%19.67%32.70%23.03%
Pretax Profit Margin
20.91%28.17%19.67%32.70%23.03%
Net Profit Margin
16.02%21.79%15.46%25.77%17.75%
Continuous Operations Profit Margin
16.02%21.79%15.46%25.77%17.75%
Net Income Per EBT
76.59%77.35%78.62%78.79%77.07%
EBT Per EBIT
100.00%75.54%100.00%100.00%100.00%
Return on Assets (ROA)
0.94%0.92%0.81%1.18%0.52%
Return on Equity (ROE)
6.43%6.11%5.15%8.23%4.24%
Return on Capital Employed (ROCE)
1.25%9.56%5.79%9.09%4.79%
Return on Invested Capital (ROIC)
0.94%7.39%4.55%7.16%3.69%
Return on Tangible Assets
0.94%0.92%0.81%1.19%0.53%
Earnings Yield
6.22%6.32%5.83%9.74%4.17%
Efficiency Ratios
Receivables Turnover
0.08 10.12 13.06 11.84 12.53
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
3.56 2.47 2.46 2.05 1.52
Asset Turnover
0.06 0.04 0.05 0.05 0.03
Working Capital Turnover Ratio
1.36 -0.07 -0.09 -0.10 -0.07
Cash Conversion Cycle
4.74K 36.05 27.95 30.83 29.14
Days of Sales Outstanding
4.74K 36.05 27.95 30.83 29.14
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
4.74K 36.05 27.95 30.83 29.14
Cash Flow Ratios
Operating Cash Flow Per Share
0.46 1.33 0.95 1.04 1.99
Free Cash Flow Per Share
0.37 1.27 0.91 1.03 1.96
CapEx Per Share
0.10 0.06 0.03 0.02 0.03
Free Cash Flow to Operating Cash Flow
0.79 0.96 0.96 0.98 0.98
Dividend Paid and CapEx Coverage Ratio
4.80 22.38 28.46 58.25 64.06
Capital Expenditure Coverage Ratio
4.80 22.38 28.46 58.25 64.06
Operating Cash Flow Coverage Ratio
0.20 0.00 0.00 0.00 0.00
Operating Cash Flow to Sales Ratio
0.09 0.38 0.24 0.31 0.86
Free Cash Flow Yield
2.59%10.60%8.79%11.46%19.97%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
16.07 15.83 17.15 10.26 23.96
Price-to-Sales (P/S) Ratio
2.68 3.45 2.65 2.64 4.25
Price-to-Book (P/B) Ratio
1.01 0.97 0.88 0.84 1.02
Price-to-Free Cash Flow (P/FCF) Ratio
38.56 9.44 11.38 8.73 5.01
Price-to-Operating Cash Flow Ratio
29.33 9.02 10.98 8.58 4.93
Price-to-Earnings Growth (PEG) Ratio
4.28 0.60 -0.57 0.09 0.03
Price-to-Fair Value
1.01 0.97 0.88 0.84 1.02
Enterprise Value Multiple
9.40 0.00 5.01 2.52 -7.85
Enterprise Value
260.09M 184.53M 110.21M 76.95M -126.31M
EV to EBITDA
9.40 0.00 5.01 2.52 -7.85
EV to Sales
2.05 2.09 1.12 0.90 -2.18
EV to Free Cash Flow
29.56 5.73 4.79 2.98 -2.57
EV to Operating Cash Flow
23.40 5.47 4.62 2.93 -2.53
Tangible Book Value Per Share
12.93 11.91 11.22 10.16 9.21
Shareholders’ Equity Per Share
13.44 12.44 11.77 10.60 9.65
Tax and Other Ratios
Effective Tax Rate
0.23 0.23 0.21 0.21 0.23
Revenue Per Share
5.26 3.49 3.92 3.38 2.30
Net Income Per Share
0.84 0.76 0.61 0.87 0.41
Tax Burden
0.77 0.77 0.79 0.79 0.77
Interest Burden
1.00 0.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.24 0.13 0.32 0.34 0.39
Stock-Based Compensation to Revenue
0.01 0.02 <0.01 <0.01 0.01
Income Quality
0.55 1.76 1.56 1.20 4.86
Currency in USD