Pioneer Bancorp(PBFS)
$18.33+0.18 (+0.99%)
PBFS
Pioneer Bancorp financials statements
$18.33
At close:+0.18 (+0.99%)
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Pioneer Bancorp (PBFS) Ratios
31 Followers
Pioneer Bancorp Ratios
PBFS's free cash flow for Q2 2026 was $5.46M. For the 2026 fiscal year, PBFS's free cash flow was decreased by $-217.00K and operating cash flow was $5.67M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 25 | Jun 24 | Jun 23 | Jun 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.24 | 0.11 | 0.27 | 0.38 | 0.51 |
| Quick Ratio | 0.24 | 0.11 | 0.27 | 0.38 | 0.51 |
| Cash Ratio | 0.07 | 0.07 | 0.10 | 0.10 | 0.22 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.01 | 0.02 | 0.02 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -1.37B | $ -1.63B | $ -1.18B | $ -1.00B | $ -862.60M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt-to-Capital Ratio | 0.00 | 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 | 6.67 | 6.64 | 6.39 | 6.96 | 8.10 |
| Debt Service Coverage Ratio | -0.22 | 0.73 | 0.82 | 4.49 | 8.90 |
| Interest Coverage Ratio | 2.32 | 0.87 | 0.89 | 5.07 | 9.11 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.56 | 1.24 | 0.87 | 0.22 | 0.06 |
| Net Debt to EBITDA | -47.64 | -4.61 | -6.89 | -4.85 | -23.17 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | 73.10% | 75.17% | 93.55% | 98.42% |
| EBIT Margin | 17.65% | 20.91% | 19.67% | 32.70% | 23.03% |
| EBITDA Margin | 2.84% | 22.41% | 22.30% | 35.87% | 27.77% |
| Operating Profit Margin | 37.29% | 20.91% | 19.67% | 32.70% | 23.03% |
| Pretax Profit Margin | 28.17% | 20.91% | 19.67% | 32.70% | 23.03% |
| Net Profit Margin | 21.79% | 16.02% | 15.46% | 25.77% | 17.75% |
| Continuous Operations Profit Margin | 21.79% | 16.02% | 15.46% | 25.77% | 17.75% |
| Net Income Per EBT | 77.35% | 76.59% | 78.62% | 78.79% | 77.07% |
| EBT Per EBIT | 75.54% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.92% | 0.94% | 0.81% | 1.18% | 0.52% |
| Return on Equity (ROE) | 6.11% | 6.26% | 5.15% | 8.23% | 4.24% |
| Return on Capital Employed (ROCE) | 9.56% | 6.58% | 5.79% | 9.09% | 4.79% |
| Return on Invested Capital (ROIC) | 7.39% | 5.04% | 4.55% | 7.16% | 3.69% |
| Return on Tangible Assets | 0.92% | 0.95% | 0.81% | 1.19% | 0.53% |
| Earnings Yield | 6.36% | 6.15% | 5.83% | 9.74% | 4.17% |
| Efficiency Ratios | |||||
| Receivables Turnover | 10.12 | 14.25 | 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 | 2.47 | 3.56 | 2.46 | 2.05 | 1.52 |
| Asset Turnover | 0.04 | 0.06 | 0.05 | 0.05 | 0.03 |
| Working Capital Turnover Ratio | -0.07 | -0.09 | -0.09 | -0.10 | -0.07 |
| Cash Conversion Cycle | 36.05 | 25.61 | 27.95 | 30.83 | 29.14 |
| Days of Sales Outstanding | 36.05 | 25.61 | 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 | 36.05 | 25.61 | 27.95 | 30.83 | 29.14 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.34 | 0.45 | 0.95 | 1.04 | 1.99 |
| Free Cash Flow Per Share | 1.28 | 0.36 | 0.91 | 1.03 | 1.96 |
| Dividend Paid and CapEx Coverage Ratio | 22.38 | 4.80 | 28.46 | 58.25 | 64.06 |
| Capital Expenditure Coverage Ratio | 22.38 | 4.80 | 28.46 | 58.25 | 64.06 |
| Operating Cash Flow Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cash Flow to Sales Ratio | 0.38 | 0.09 | 0.24 | 0.31 | 0.86 |
| Free Cash Flow Yield | 10.66% | 2.67% | 8.79% | 11.46% | 19.97% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.83 | 16.24 | 17.15 | 10.26 | 23.96 |
| Price-to-Sales (P/S) Ratio | 3.43 | 2.60 | 2.65 | 2.64 | 4.25 |
| Price-to-Book (P/B) Ratio | 0.96 | 1.02 | 0.88 | 0.84 | 1.02 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.38 | 37.49 | 11.38 | 8.73 | 5.01 |
| Price-to-Operating Cash Flow Ratio | 8.96 | 29.67 | 10.98 | 8.58 | 4.93 |
| Price-to-Earnings Growth (PEG) Ratio | 0.64 | 1.76 | -0.57 | 0.09 | 0.03 |
| Enterprise Value Multiple | 72.84 | 7.01 | 5.01 | 2.52 | -7.85 |
| Enterprise Value | 182.55M | 199.00M | 110.21M | 76.95M | -126.31M |
| EV to EBITDA | 72.84 | 7.01 | 5.01 | 2.52 | -7.85 |
| EV to Sales | 2.07 | 1.57 | 1.12 | 0.90 | -2.18 |
| EV to Free Cash Flow | 5.67 | 22.61 | 4.79 | 2.98 | -2.57 |
| EV to Operating Cash Flow | 5.42 | 17.90 | 4.62 | 2.93 | -2.53 |
| Tangible Book Value Per Share | 11.99 | 12.73 | 11.22 | 10.16 | 9.21 |
| Shareholders’ Equity Per Share | 12.52 | 13.23 | 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 | 3.51 | 5.18 | 3.92 | 3.38 | 2.30 |
| Net Income Per Share | 0.76 | 0.83 | 0.61 | 0.87 | 0.41 |
| Tax Burden | 0.77 | 0.77 | 0.79 | 0.79 | 0.77 |
| Interest Burden | 1.60 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.14 | 0.29 | 0.32 | 0.34 | 0.39 |
| Stock-Based Compensation to Revenue | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.76 | 0.55 | 1.56 | 1.20 | 4.86 |
Currency in USD
