Pioneer Bankcorp (PBKC) Ratios

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Pioneer Bankcorp Ratios

See a summary of PBKC’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.00	0.12	0.13	0.16
Quick Ratio	―	0.00	0.12	0.13	0.16
Cash Ratio	―	0.00	0.11	-0.08	0.16
Solvency Ratio	―	0.02	0.01	0.01	0.01
Operating Cash Flow Ratio	―	0.00	0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -668.13M	$ -599.48M	$ -584.17M	$ -544.88M
Leverage Ratios
Debt-to-Assets Ratio	―	<0.01	<0.01	<0.01	<0.01
Debt-to-Equity Ratio	―	0.09	0.11	0.13	0.15
Debt-to-Capital Ratio	―	0.08	0.10	0.11	0.13
Long-Term Debt-to-Capital Ratio	―	0.08	0.10	0.11	0.13
Financial Leverage Ratio	―	11.19	12.35	13.60	16.20
Debt Service Coverage Ratio	―	1.42	1.21	1.20	3.44
Interest Coverage Ratio	―	1.73	1.44	1.40	3.96
Debt to Market Cap	―	0.08	0.12	0.15	0.13
Interest Debt Per Share	―	13.42	13.05	11.69	7.51
Net Debt to EBITDA	―	-3.41	-5.48	4.75	-9.97
Profitability Margins
Gross Profit Margin	―	78.29%	78.72%	80.02%	91.63%
EBIT Margin	―	34.23%	30.60%	28.05%	33.13%
EBITDA Margin	―	36.16%	32.92%	30.59%	36.39%
Operating Profit Margin	―	34.23%	30.60%	28.05%	33.13%
Pretax Profit Margin	―	34.23%	30.60%	28.05%	33.13%
Net Profit Margin	―	26.12%	23.38%	21.43%	25.55%
Continuous Operations Profit Margin	―	26.12%	23.38%	21.43%	25.55%
Net Income Per EBT	―	76.30%	76.41%	76.42%	77.13%
EBT Per EBIT	―	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	―	1.40%	1.22%	1.05%	0.97%
Return on Equity (ROE)	―	15.62%	15.12%	14.29%	15.71%
Return on Capital Employed (ROCE)	―	1.83%	16.53%	6.06%	15.93%
Return on Invested Capital (ROIC)	―	1.40%	12.63%	4.63%	12.29%
Return on Tangible Assets	―	1.40%	1.22%	1.05%	0.97%
Earnings Yield	―	14.50%	16.41%	16.53%	13.75%
Efficiency Ratios
Receivables Turnover	―	12.37	12.55	11.68	13.05
Payables Turnover	―	0.00	34.12	29.68	13.36
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	2.91	2.59	2.37	1.78
Asset Turnover	―	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	―	-0.17	-0.07	-0.07	-0.05
Cash Conversion Cycle	―	29.50	18.39	18.96	0.65
Days of Sales Outstanding	―	29.50	29.09	31.26	27.97
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	10.70	12.30	27.32
Operating Cycle	―	29.50	29.09	31.26	27.97
Cash Flow Ratios
Operating Cash Flow Per Share	―	10.11	8.76	5.46	8.22
Free Cash Flow Per Share	―	9.29	7.64	2.96	7.56
CapEx Per Share	―	0.82	1.11	2.49	0.66
Free Cash Flow to Operating Cash Flow	―	0.92	0.87	0.54	0.92
Dividend Paid and CapEx Coverage Ratio	―	4.81	3.79	1.58	5.50
Capital Expenditure Coverage Ratio	―	12.35	7.86	2.19	12.54
Operating Cash Flow Coverage Ratio	―	1.75	1.52	0.96	1.46
Operating Cash Flow to Sales Ratio	―	0.26	0.26	0.18	0.36
Free Cash Flow Yield	―	13.37%	15.68%	7.60%	18.00%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	6.72	6.09	6.05	7.27
Price-to-Sales (P/S) Ratio	―	1.80	1.42	1.30	1.86
Price-to-Book (P/B) Ratio	―	1.08	0.92	0.86	1.14
Price-to-Free Cash Flow (P/FCF) Ratio	―	7.48	6.38	13.17	5.55
Price-to-Operating Cash Flow Ratio	―	6.87	5.57	7.15	5.11
Price-to-Earnings Growth (PEG) Ratio	―	0.23	0.25	0.53	0.25
Price-to-Fair Value	―	1.08	0.92	0.86	1.14
Enterprise Value Multiple	―	1.57	-1.16	8.99	-4.87
Enterprise Value	―	24.69M	-14.70M	95.01M	-46.42M
EV to EBITDA	―	1.57	-1.16	8.99	-4.87
EV to Sales	―	0.57	-0.38	2.75	-1.77
EV to Free Cash Flow	―	2.35	-1.70	27.91	-5.29
EV to Operating Cash Flow	―	2.16	-1.49	15.15	-4.87
Tangible Book Value Per Share	―	64.52	52.93	45.13	36.78
Shareholders’ Equity Per Share	―	64.52	52.93	45.13	36.78
Tax and Other Ratios
Effective Tax Rate	―	0.24	0.24	0.24	0.23
Revenue Per Share	―	38.59	34.22	30.08	22.61
Net Income Per Share	―	10.08	8.00	6.45	5.78
Tax Burden	―	0.76	0.76	0.76	0.77
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.00	0.02	0.01	0.01
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.00	1.09	0.85	1.42

Currency in USD