Pioneer Bancorp Inc.
Find Ratings ReportsPIONEER BANCORP INC's gross profit margin for the second quarter of its fiscal year 2024 has significantly decreased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its subsector.
During the same period, stockholders' equity ("net worth") has increased by 13.64% from the same quarter last year.
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Income Statement | Q2 FY24 | Q2 FY23 |
---|---|---|
Net Sales ($mil) | 20.37 | 21.24 |
EBITDA ($mil) | 4.5 | 11.74 |
EBIT ($mil) | 3.85 | 11.05 |
Net Income ($mil) | 3.19 | 6.18 |
Balance Sheet | Q2 FY24 | Q2 FY23 |
---|---|---|
Cash & Equiv. ($mil) | 139.63 | 147.32 |
Total Assets ($mil) | 1852.89 | 1834.52 |
Total Debt ($mil) | 6.39 | 6.67 |
Equity ($mil) | 283.8 | 249.73 |
Profitability | Q2 FY24 | Q2 FY23 |
---|---|---|
Gross Profit Margin | 68.03 | 97.91 |
EBITDA Margin | 22.08 | 55.25 |
Operating Margin | 18.92 | 52.0 |
Sales Turnover | 0.05 | 0.04 |
Return on Assets | 0.92 | 0.76 |
Return on Equity | 6.04 | 5.64 |
Debt | Q2 FY24 | Q2 FY23 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.02 | 0.03 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q2 FY24 | Q2 FY23 |
---|---|---|
Shares outstanding (mil) | 25.21 | 25.16 |
Div / share | 0.0 | 0.0 |
EPS | 0.13 | 0.25 |
Book value / share | 11.26 | 9.92 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 13794.0 | 17546.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 0.82 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is below the S&P 500 average and is well below the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, PIONEER BANCORP INC proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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PBFS 13.35 | Peers 17.75 | PBFS 8.45 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. PBFS is trading at a discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. PBFS is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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PBFS NA | Peers 13.86 | PBFS NA | Peers 1.78 | |||||||||||||||||||||
Neutral. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth potential. Ratio not available. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. Ratio not available. |
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Price/Book |
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Earnings Growth |
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PBFS 0.82 | Peers 8.64 | PBFS 21.05 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. PBFS is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, PBFS is expected to trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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PBFS 2.63 | Peers 4.87 | PBFS 27.91 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. PBFS is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. PBFS significantly trails its peers on the basis of sales growth. |
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