Financial Services - Banks - Regional - NASDAQ - US
$ 11.53
0.523 %
$ 299 M
Market Cap
18.9
P/E
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning.[ Read More ]
The intrinsic value of one PBFS stock under the base case scenario is HIDDEN Compared to the current market price of 11.5 USD, Pioneer Bancorp, Inc. is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart PBFS
FINANCIALS
74.2 M
REVENUE
20.2 M
OPERATING INCOME
15.3 M
NET INCOME
23.8 M
OPERATING CASH FLOW
-18 M
INVESTING CASH FLOW
8.91 M
FINANCING CASH FLOW
24.4 M
REVENUE
8.2 M
OPERATING INCOME
6.31 M
NET INCOME
1.91 M
OPERATING CASH FLOW
-59.3 M
INVESTING CASH FLOW
117 M
FINANCING CASH FLOW
Balance Sheet Decomposition
Pioneer Bancorp, Inc.
| Current Assets | 1.65 B |
| Cash & Short-Term Investments | 294 M |
| Receivables | 1.35 B |
| Other Current Assets | 0 |
| Non-Current Assets | 53.9 M |
| Long-Term Investments | 0 |
| PP&E | 40.1 M |
| Other Non-Current Assets | 13.8 M |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 0 |
| Other Current Liabilities | 0 |
| Non-Current Liabilities | 1.6 B |
| Long-Term Debt | 0 |
| Other Non-Current Liabilities | 1.6 B |
EFFICIENCY
Earnings Waterfall
Pioneer Bancorp, Inc.
| Revenue | 74.2 M |
| Cost Of Revenue | 0 |
| Gross Profit | 74.2 M |
| Operating Expenses | 54 M |
| Operating Income | 20.2 M |
| Other Expenses | 4.98 M |
| Net Income | 15.3 M |
RATIOS
100.00%
GROSS MARGIN
27.28%
OPERATING MARGIN
20.57%
NET MARGIN
5.15%
ROE
0.81%
ROA
5.37%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Pioneer Bancorp, Inc.
| Net Income | 15.3 M |
| Depreciation & Amortization | 2.6 M |
| Capital Expenditures | -838 K |
| Stock-Based Compensation | 626 K |
| Change in Working Capital | -841 K |
| Others | 5.55 M |
| Free Cash Flow | 23 M |
Wall Street Analysts Price Targets
Pioneer Bancorp, Inc.
PBFS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00%
DIVIDEND YIELD
0 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Pioneer Bancorp, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
46.8 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
5 months ago
Jun 13, 2024
|
Bought 46.8 K USD
|
Mahoney Shaun
Director |
+ 4500
|
10.41 USD |
|
5 years ago
Jul 19, 2019
|
Bought 14.4 K USD
|
Reed James K
Director |
+ 1000
|
14.45 USD |
|
5 years ago
Jul 18, 2019
|
Bought 56.7 K USD
|
Reed James K
Director |
+ 4000
|
14.1628 USD |
7. News
Pioneer Natural Resources Grows, Making Intelligent Moves (NYSE:PXD)
Pioneer Natural Resources has recently made intelligent moves to significantly improve its portfolio. The acquisition allows the company to use synergies to take advantage of low oil prices to improve its cash flow.
seekingalpha.com
- 4 years ago
Vestmark Advisory Solutions Inc. Trims Stock Position in Pioneer Natural Resources (NYSE:PXD)
Vestmark Advisory Solutions Inc. decreased its holdings in Pioneer Natural Resources (NYSE:PXD) by 3.9% in the 3rd quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm owned 5,257 shares of the oil and gas development company’s stock after selling 216 shares during the quarter. Vestmark Advisory Solutions […]
thelincolnianonline.com
- 4 years ago
Crude Oil Prices Pick up on Jobless, Housing Data But Stay in Range
Crude Oil Prices Pick up on Jobless, Housing Data But Stay in Range
investing.com
- 4 years ago
Texas oil deal must navigate potential father-son conflict
The latest merger between two U.S. shale producers is dealing with an unusual family dynamic that has raised concerns about a potential conflict of interest.
houstonchronicle.com
- 4 years ago
Pioneer Natural Resources to acquire Parsley Energy in $4.5B deal
Pioneer Natural Resources plans to acquire rival Parsley Energy in an all stock deal valued at $4.5 billion, creating a powerhouse in the Permian Basin of West Texas.
houstonchronicle.com
- 4 years ago
Pioneer Natural, Parsley Ink $7.6B Deal; RBC Praises Stronger FCF Outlook
Pioneer Natural Resources (PXD) and Parsley Energy have entered into a definitive agreement under which Pioneer will acquire all of the outstanding shares
smarteranalyst.com
- 4 years ago
Pioneer Natural Resources Announces Agreement to Acquire Parsley Energy - Oil & Gas 360
The transaction has been unanimously approved by the Boards of Directors of both Pioneer and Parsley and is expected to close in the first quarter of 2021, subject to customary closing conditions, regulatory approvals and shareholder approvals. Parsley’s largest investor, Quantum Energy Partners, which owns approximately 17% of Parsley’s outstanding shares, has executed a Voting and Support Agreement in connection with the transaction.
oilandgas360.com
- 4 years ago
Texas Oil Deal Must Navigate Potential Father-Son Conflict
Texas Oil Deal Must Navigate Potential Father-Son Conflict
uk.investing.com
- 4 years ago
Wall Street Breakfast: Gap Narrows On Stimulus
Listen on the go! A daily podcast of Wall Street Breakfast will be available by 8:00 a.m. on Seeking Alpha, iTunes, Stitcher and Spotify.
seekingalpha.com
- 4 years ago
Global Home Theater Market Analysis With COVID-19 Recovery Plan and Strategies for the Communication Services Industry | Technavio
The Global Home Theater Market will grow by $ 2.87 bn during 2020-2024
businesswire.com
- 4 years ago
8. Profile Summary
Pioneer Bancorp, Inc. PBFS
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 299 M
Dividend Yield
0.00%
Description
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, one- to four-family residential real estate, home equity, and consumer loans; and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. It operates through a network of 22 retail banking offices in Albany, Greene, Rensselaer, Saratoga, Schenectady, and Warren Counties in New York. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.
Contact
652 Albany Shaker Road, Albany, NY, 12211
https://www.pioneerny.com
IPO Date
July 18, 2019
Employees
275
Officers
Ms. Susan M. Hollister
Executive Vice President, Chief Human Resources Officer & Corporate Secretary
Mr. Thomas Harry Signor CPA
Executive Vice President & Chief Administration Officer
Ms. Kelli Arnold
Executive Vice President and Chief Strategy & Innovations Officer
Mr. Jesse A. Tomczak
Executive Vice President & Chief Banking Officer
Mr. James A. Murphy
Executive Vice President & Chief Credit Officer
Mr. Thomas L. Amell
President, Chief Executive Officer & Director