Pioneer Bancorp, Inc. (PBFS) Financial Ratios
9 years of historical data (2017–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.52
↑+84% vs avg
5yr avg: 4.09
30Y Low2.5·High8.2
P/FCF
↓
11.38
↑+32% vs avg
5yr avg: 8.62
30Y Low5.0·High11.0
P/B Ratio
↓
1.17
+19% vs avg
5yr avg: 0.98
30Y Low0.8·High1.3
ROE
↑
6.3%
↓+25% vs avg
5yr avg: 5.0%
30Y Low0%·High10%
Debt/EBITDA
N/A
—
5yr avg: N/A
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PBFS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Pioneer Bancorp, Inc. trades at 19.2x earnings, 72% below its 5-year average of 69.1x, sitting at the 60th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 44%. On a free-cash-flow basis, the stock trades at 11.4x P/FCF, 32% above the 5-year average of 8.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $366M | $289M | $252M | $225M | $246M | $301M | $229M | — | — | — |
| Enterprise Value | $247M | $170M | $101M | $77M | $-126310200 | $-23471049 | $73M | — | — | — |
| P/E Ratio → | 19.22 | 15.16 | 16.41 | 10.29 | 23.90 | 279.53 | 43.57 | — | — | — |
| P/S Ratio | 4.16 | 3.28 | 2.56 | 2.64 | 4.25 | 5.05 | 3.31 | — | — | — |
| P/B Ratio | 1.17 | 0.92 | 0.85 | 0.84 | 1.02 | 1.27 | 1.02 | — | — | — |
| P/FCF | 11.38 | 8.98 | 10.97 | 8.73 | 5.01 | 9.40 | 710.79 | — | — | — |
| P/OCF | 10.87 | 8.58 | 10.59 | 8.58 | 4.93 | 9.23 | 113.02 | — | — | — |
P/E links to full P/E history page with 30-year chart
PBFS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Pioneer Bancorp, Inc.'s enterprise value stands at 7.5x EBITDA, 84% above its 5-year average of 4.1x. The Financial Services sector median is 11.4x, placing the stock at a 34% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.93 | 1.02 | 0.90 | -2.18 | -0.39 | 1.06 | — | — | — |
| EV / EBITDA | 7.52 | 5.17 | 4.59 | 2.52 | -7.85 | -4.25 | 8.24 | — | — | — |
| EV / EBIT | 7.52 | — | 5.20 | 2.76 | -9.47 | -8.82 | 12.24 | — | — | — |
| EV / FCF | — | 5.27 | 4.39 | 2.98 | -2.57 | -0.73 | 227.80 | — | — | — |
PBFS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Pioneer Bancorp, Inc. earns an operating margin of 37.3%, significantly above the Financial Services sector average of 21.2%. Operating margins have expanded from 32.7% to 37.3% over the past 3 years, signaling improving operational efficiency. ROE of 6.3% is modest, trailing the sector median of 9.4%. ROIC of 8.1% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 75.2% | 93.6% | 98.4% | 89.7% | 83.4% | 67.0% | 91.3% | 90.1% |
| Operating Margin | 37.3% | 37.3% | 19.7% | 32.7% | 23.0% | 4.5% | 8.7% | 11.7% | 30.0% | 17.2% |
| Net Profit Margin | 21.8% | 21.8% | 15.5% | 25.8% | 17.7% | 1.8% | 7.5% | 10.7% | 19.4% | 11.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.3% | 6.3% | 5.4% | 8.6% | 4.3% | 0.5% | 3.0% | 6.1% | 10.4% | 5.4% |
| ROA | 1.0% | 1.0% | 0.8% | 1.1% | 0.5% | 0.1% | 0.3% | 0.5% | 1.0% | 0.5% |
| ROIC | 8.1% | 8.1% | 5.2% | 8.2% | 4.2% | 0.9% | 2.6% | 5.0% | 12.0% | 6.0% |
| ROCE | 9.7% | 9.7% | 6.0% | 9.5% | 5.0% | 1.1% | 3.2% | 6.2% | 14.4% | 7.0% |
PBFS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $119M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | — | — | — | — |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — |
| Net Debt / Equity | — | -0.38 | -0.51 | -0.56 | -1.54 | -1.37 | -0.69 | -1.85 | -0.94 | -0.38 |
| Net Debt / EBITDA | -3.63 | -3.63 | -6.89 | -4.85 | -23.17 | -58.87 | -17.47 | -21.00 | -5.45 | -3.84 |
| Debt / FCF | — | -3.71 | -6.59 | -5.74 | -7.58 | -10.13 | -482.98 | -59.30 | -7.43 | -15.82 |
| Interest Coverage | — | — | 0.89 | 5.07 | 9.11 | 1.26 | 1.27 | 1.80 | 5.59 | 3.46 |
Net cash position: cash ($119M) exceeds total debt ($0)
PBFS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.24x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.38x to 0.24x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.24 | 0.24 | 0.27 | 0.38 | 0.51 | 0.39 | 0.18 | 0.24 | 0.18 | 0.12 |
| Quick Ratio | 0.24 | 0.24 | 0.27 | 0.38 | 0.51 | 0.39 | 0.18 | 0.24 | 0.18 | 0.12 |
| Cash Ratio | 0.07 | 0.07 | 0.10 | 0.10 | 0.22 | 0.21 | 0.12 | 0.17 | 0.10 | 0.04 |
| Asset Turnover | — | 0.04 | 0.05 | 0.05 | 0.03 | 0.03 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — |
PBFS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Pioneer Bancorp, Inc. returns 1.7% to shareholders annually primarily through share buybacks. The earnings yield of 5.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 6.6% | 6.1% | 9.7% | 4.2% | 0.4% | 2.3% | — | — | — |
| FCF Yield | 8.8% | 11.1% | 9.1% | 11.5% | 20.0% | 10.6% | 0.1% | — | — | — |
| Buyback Yield | 1.7% | 2.2% | 0.4% | 0.0% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 1.7% | 2.2% | 0.4% | 0.0% | 0.0% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $25M | $25M | $25M | $25M | $25M | $25M | $11M | $11M | $11M |
Peer Comparison
Compare PBFS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PBFSYou | $366M | 19.2 | 7.5 | 11.4 | 100.0% | 37.3% | 6.3% | 8.1% | — |
 DCOM | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 KRNY | $510M | 19.3 | 44.6 | 23.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NFBK | $587M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 TRST | $861M | 15.0 | 11.2 | 18.8 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 CZWI | $203M | 14.4 | 15.2 | 19.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 CHMG | $322M | 21.4 | 15.3 | 159.2 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FISI | $696M | 9.8 | 10.1 | 51.2 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 AROW | $610M | 14.0 | 11.0 | 16.9 | 65.3% | 22.8% | 10.6% | 9.3% | 0.5 |
 FHN | $12B | 13.3 | 11.8 | 19.4 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
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Quick answers to the most common questions about buying PBFS stock.
What is Pioneer Bancorp, Inc.'s P/E ratio?
Pioneer Bancorp, Inc.'s current P/E ratio is 19.2x. The historical average is 21.9x. This places it at the 60th percentile of its historical range.
What is Pioneer Bancorp, Inc.'s EV/EBITDA?
Pioneer Bancorp, Inc.'s current EV/EBITDA is 7.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 5.1x.
What is Pioneer Bancorp, Inc.'s ROE?
Pioneer Bancorp, Inc.'s return on equity (ROE) is 6.3%. The historical average is 5.5%.
Is PBFS stock overvalued?
Based on historical data, Pioneer Bancorp, Inc. is trading at a P/E of 19.2x. This is at the 60th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Pioneer Bancorp, Inc.'s profit margins?
Pioneer Bancorp, Inc. has 100.0% gross margin and 37.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.