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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 Q3 2025 was $0.74. For the 2025 fiscal year, PBFS's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Jun 24Jun 23Jun 22Jun 21
Liquidity Ratios
Current Ratio
0.00 1.32 1.11 0.52 30.26
Quick Ratio
0.00 0.51 1.11 0.81 50.96
Cash Ratio
0.00 0.12 0.29 0.29 20.05
Solvency Ratio
0.01 0.02 <0.01 <0.01 -0.46
Operating Cash Flow Ratio
0.00 0.02 0.04 0.03 0.26
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ 77.49M$ 17.57M$ -313.76M$ -971.68M$ 227.00M
Leverage Ratios
Debt-to-Assets Ratio
0.00 <0.01 0.00 0.00 0.00
Debt-to-Equity Ratio
0.00 0.02 0.00 0.00 0.00
Debt-to-Capital Ratio
0.00 0.02 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
6.66 6.96 8.10 7.55 6.82
Debt Service Coverage Ratio
1.08 4.49 8.90 -0.75 0.70
Interest Coverage Ratio
1.27 5.07 10.11 1.26 -2.07
Debt to Market Cap
0.00 0.00 0.00 0.00 0.00
Interest Debt Per Share
0.79 0.45 0.06 0.08 0.19
Net Debt to EBITDA
-1.09 -4.67 -23.17 0.00 0.00
Profitability Margins
Gross Profit Margin
56.81%89.14%100.00%100.00%100.00%
EBIT Margin
21.72%34.95%23.63%-4.96%-4.51%
EBITDA Margin
23.34%38.34%28.49%0.00%0.00%
Operating Profit Margin
21.72%34.95%26.22%4.62%-15.21%
Pretax Profit Margin
21.72%34.95%23.63%4.62%-15.21%
Net Profit Margin
16.86%27.54%18.21%1.87%-10.10%
Continuous Operations Profit Margin
16.86%27.54%18.21%1.87%8.06%
Net Income Per EBT
77.61%78.79%77.07%40.49%66.38%
EBT Per EBIT
100.00%100.00%90.11%100.00%100.00%
Return on Assets (ROA)
0.93%1.18%0.52%0.06%-0.43%
Return on Equity (ROE)
6.43%8.23%4.24%0.45%-2.91%
Return on Capital Employed (ROCE)
1.20%4.41%2.14%0.40%-0.65%
Return on Invested Capital (ROIC)
1.02%4.94%1.65%-0.50%-1.77%
Return on Tangible Assets
0.94%1.19%0.53%0.06%-0.43%
Earnings Yield
6.78%9.74%4.17%0.36%-2.84%
Efficiency Ratios
Receivables Turnover
0.08 0.07 12.21 14.23 18.60
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 <0.01 0.00 0.00 0.00
Fixed Asset Turnover
3.20 1.91 1.51 1.48 1.58
Asset Turnover
0.06 0.04 0.03 0.03 0.04
Working Capital Turnover Ratio
0.06 0.30 -0.28 -0.37 -0.33
Cash Conversion Cycle
4.77K 46.87K 29.89 25.65 19.63
Days of Sales Outstanding
4.77K 5.27K 29.89 25.65 19.63
Days of Inventory Outstanding
0.00 41.60K 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
4.77K 46.87K 29.89 25.65 19.63
Cash Flow Ratios
Operating Cash Flow Per Share
1.02 1.04 1.99 1.30 0.08
Free Cash Flow Per Share
0.98 1.03 1.96 1.28 0.01
CapEx Per Share
0.04 0.02 0.03 0.02 0.07
Free Cash Flow to Operating Cash Flow
0.96 0.98 0.98 0.98 0.16
Dividend Paid and CapEx Coverage Ratio
26.41 58.25 64.06 54.79 1.19
Capital Expenditure Coverage Ratio
26.41 58.25 64.06 54.79 1.19
Operating Cash Flow Coverage Ratio
0.00 4.60 0.00 0.00 0.00
Operating Cash Flow to Sales Ratio
0.22 0.33 0.89 0.57 0.03
Free Cash Flow Yield
8.17%11.46%19.97%10.64%0.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
14.75 10.26 23.96 279.77 -35.16
Price-to-Sales (P/S) Ratio
2.59 2.83 4.36 5.23 3.55
Price-to-Book (P/B) Ratio
0.92 0.84 1.02 1.27 1.02
Price-to-Free Cash Flow (P/FCF) Ratio
12.23 8.73 5.01 9.40 710.79
Price-to-Operating Cash Flow Ratio
11.30 8.58 4.93 9.23 113.02
Price-to-Earnings Growth (PEG) Ratio
2.69 0.09 0.03 -2.40 0.26
Price-to-Fair Value
0.92 0.84 1.02 1.27 1.02
Enterprise Value Multiple
10.01 2.71 -7.85 0.00 0.00
Enterprise Value
267.35M 82.67M -126.31M -23.47M 73.35M
EV to EBITDA
10.01 2.71 -7.85 0.00 0.00
EV to Sales
2.34 1.04 -2.24 -0.41 1.14
EV to Free Cash Flow
11.03 3.20 -2.57 -0.73 227.80
EV to Operating Cash Flow
10.61 3.15 -2.53 -0.72 36.22
Tangible Book Value Per Share
11.98 9.78 9.21 8.86 60.34
Shareholders’ Equity Per Share
12.52 10.60 9.65 9.49 8.95
Tax and Other Ratios
Effective Tax Rate
0.22 0.21 0.23 0.60 0.34
Revenue Per Share
4.61 3.17 2.25 2.30 2.58
Net Income Per Share
0.78 0.87 0.41 0.04 -0.26
Tax Burden
0.78 0.79 0.77 0.40 0.66
Interest Burden
1.00 1.00 1.00 -0.93 3.37
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.22 0.37 0.40 0.48 0.39
Stock-Based Compensation to Revenue
<0.01 <0.01 0.01 <0.01 0.02
Income Quality
1.31 1.20 4.86 30.32 -0.31
Currency in USD
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