Pioneer Bancorp Inc

Pioneer Bancorp Inc

PBFS · NASDAQ · Financial Services / Banks - Regional

18.33USD+0.18 (+0.99%)

Price History

Full chart

Market Stats

Previous Close18.15
Open18.15
Day Range18.08 – 18.43
52-Week Range12.64 – 19.91
Volume9.81K
Market Cap427.26M
P/E (TTM)25.24
Forward P/E0.00
EPS0.70
Dividend Yield0.00%
Beta0.40
50-Day Avg17.61
200-Day Avg15.42

About

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. The company's loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage, consumer loans, home equity loans, and lines of credit. It also invests in securities, including U.S. treasury securities, fixed-rate mortgage-backed securities and collateralized mortgage obligations, fixed-rate investment grade bonds, and corporate debt securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and consulting services, such as group health, dental, disability, and life insurance products; defined contribution and 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. Pioneer Bancorp, Inc. was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Thomas L. Amell
  • Employees298
  • Headquarters652 Albany Shaker Road, Albany, NY, United States, 12211, USA
  • Websitehttps://www.pioneerny.com

Leadership

  • Mr. Thomas L. AmellPresident, CEO & Director · b. 1968
  • Mr. Patrick J. Hughes CPAExecutive VP & CFO · b. 1974
  • Mr. Jesse A. TomczakExecutive VP & Chief Banking Officer · b. 1974
  • Mr. Thomas Harry Signor CPAExecutive VP & Chief Administration Officer · b. 1968
  • Ms. Susan M. HollisterExecutive VP, Chief Human Resources Officer & Corporate Secretary · b. 1967
  • Mr. Thomas E. RatsepExecutive VP & Chief Credit Officer · b. 1969
  • Mr. Gary Christopher GalarpeChief Compliance Officer of Pioneer Capital Markets, Inc.
  • Mr. Robert KursarSenior Vice President of Pioneer Capital Markets, Inc.
  • Mr. Peter Brandel Jr.President of Pioneer Capital Markets, Inc.

Financials

Income Statement

Currency: USD2017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue48.52M59.29M68.57M69.20M59.68M57.92M79.69M98.70M88.12M126.67M
Growth (%)-+22.20%+15.65%+0.93%-13.76%-2.95%+37.59%+23.85%-10.72%+43.75%
Cost of Revenue4.81M5.16M22.63M11.52M6.16M914.00K8.66M24.50M16.51M34.08M
Gross Profit43.71M54.13M45.94M57.68M53.52M57.00M71.03M74.19M88.12M92.59M
Gross Margin90.09%91.30%67.00%83.35%89.68%98.42%89.14%75.17%100.00%73.10%
Operating Expense35.37M36.33M37.89M51.69M50.86M43.66M43.18M54.78M55.26M66.10M
Operating Income8.35M17.81M8.05M6.00M2.66M13.34M27.86M19.41M32.86M26.49M
Operating Margin17.20%30.04%11.73%8.66%4.46%23.03%34.95%19.67%37.29%20.91%
EBITDA10.31M20.45M10.86M8.90M5.52M16.08M30.55M22.00M2.51M28.39M
EBITDA Margin21.24%34.49%15.84%12.86%9.24%27.77%38.34%22.30%2.84%22.41%
Net Income5.63M11.50M7.31M5.20M1.08M10.28M21.95M15.26M19.20M20.29M
Net Income Margin11.61%19.39%10.66%7.51%1.80%17.75%27.54%15.46%21.79%16.02%
Interest Expense2.41M3.19M4.48M4.73M2.11M1.46M5.49M21.80M14.16M30.38M
Interest Expense % of Total Revenue4.97%5.37%6.53%6.84%3.54%2.53%6.89%22.09%16.07%23.99%

Balance Sheet

Currency: USD2017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets1.13B1.28B1.47B1.53B1.80B1.96B1.86B1.90B2.10B2.15B
Total Liabilities1.03B1.17B1.35B1.30B1.56B1.72B1.59B1.60B1.78B1.83B
Total Equity104.01M118.06M123.26M223.97M237.82M242.63M266.70M296.53M314.25M323.86M
Cash39.53M111.41M228.03M155.52M324.78M372.59M148.31M151.55M119.39M130.88M
Total Debt5.00M-----5.71M6.14M40.00M-
Net Debt-39.53M-111.41M-228.03M-155.52M-324.78M-372.59M-148.31M-151.55M-119.39M-130.88M

Cash Flow

Currency: USD2017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow11.87M23.00M6.13M2.02M32.65M49.97M26.27M23.85M33.71M11.12M
Investing Cash Flow-140.03M-78.70M-78.02M-109.47M-125.11M-148.03M-114.87M-18.05M-311.80M-125.79M
Financing Cash Flow133.91M135.71M181.72M34.24M260.51M149.16M-136.98M8.91M140.76M151.83M
Capital Expenditure9.37M8.02M2.28M1.70M596.00K780.00K451.00K838.00K1.51M2.32M
Free Cash Flow2.50M14.99M3.85M322.00K32.06M49.19M25.82M23.01M32.20M8.80M
FCF to OCF21.06%65.16%62.73%15.90%98.17%98.44%98.28%96.49%95.53%79.16%

Earnings

Report DateJun 21, 2019Sep 30, 2019Dec 10, 2019Feb 14, 2020May 14, 2020Sep 28, 2020Nov 12, 2020Feb 22, 2021May 14, 2021Sep 28, 2021Nov 9, 2021Feb 9, 2022May 11, 2022Sep 23, 2022Nov 9, 2022Jan 30, 2023May 15, 2023Aug 16, 2023Nov 6, 2023Feb 7, 2024May 1, 2024Jul 31, 2024Oct 30, 2024Feb 5, 2025Apr 30, 2025Jul 29, 2025Oct 30, 2025Jan 29, 2026Apr 30, 2026Aug 10, 2026Nov 6, 2026
EPS Estimate0.000.00-----------------------------
EPS Actual0.18-0.040.19-0.350.030.060.060.080.05-0.140.050.250.010.090.210.250.240.180.140.130.190.160.250.130.230.260.180.150.220.14-
Surprise-------------------------------
Timing--------------Pre-marketAfter-hours-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--

Key Statistics & Ratios

Market Cap427.26M
Enterprise Value319.23M
Trailing P/E25.24
Forward P/E0.00
Price / Sales4.34
Price / Book1.29
EPS0.70
Book Value13.57
Revenue (TTM)98.51M
Gross Profit (TTM)98.51M
Profit Margin17.10%
Operating Margin18.69%
Return on Equity5.24%
Return on Assets0.75%
Shares Outstanding24.18M
Shares Float7.57M
Beta0.40
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
23.10%
Insiders
59.38%
Retail / Other
17.52%

Top Institutional Holders

  • M3F, Inc.
    2.07M8.57%
  • BlackRock Inc
    602.14K2.49%
  • Vanguard Capital Management, LLC
    525.67K2.17%
  • AllianceBernstein L.P.
    508.98K2.10%
  • Private Capital Management, LLC
    366.77K1.52%
  • Geode Capital Management, LLC
    233.38K0.97%
  • Dimensional Fund Advisors, Inc.
    224.75K0.93%
  • State Street Corp
    181.92K0.75%
  • First Pacific Advisors, LP
    166.97K0.69%
  • Northern Trust Corp
    79.12K0.33%
  • Vanguard Fiduciary Trust Co
    77.48K0.32%
  • Bridgeway Capital Management, LLC
    75.15K0.31%
  • Empowered Funds, LLC
    75.15K0.31%
  • Renaissance Technologies Corp
    69.90K0.29%
  • Vanguard Portfolio Management, LLC
    63.59K0.26%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    350.30K1.45%
  • iShares Russell 2000 ETF
    277.28K1.15%
  • Fidelity Small Cap Index
    111.32K0.46%
  • iShares Russell 2000 Value ETF
    108.43K0.45%
  • EA Bridgeway Omni Small-Cap Value ETF
    72.15K0.30%