Pioneer Bancorp, Inc./MD
Datakwaliteit: 100%
PBFS
Nasdaq
Financial Services
Depository Institutions
€ 14,41
▲
€ 0,02
(0,14%)
Marktkapitalisatie: 349,07 M
Prijs
€ 13,92
Marktkapitalisatie
349,07 M
Dagbereik
—
52-Weeksbereik
—
Volume
—
Openen —
50D / 200D Gem.
—
50D / 200D Gem.
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Quick Summary
Belangrijkste Punten
Revenue grew 5,49% annually over 5 years — modest growth
Earnings grew 111,32% over the past year
Net margin of 128,29% shows strong profitability
Generating 11,12 M in free cash flow
PEG of 0,16 suggests growth is underpriced
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 82,84%
Groei
Revenue Growth (5Y)
5,49%
Onder sectorgemiddelde (5,83%)
Revenue (1Y)88,33%
Earnings (1Y)111,32%
FCF Growth (3Y)-34,38%
Kwaliteit
Return on Equity
6,46%
Onder sectorgemiddelde (9,24%)
ROICN/A
Net Margin128,29%
Op. MarginN/A
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM)
17,21
Boven sectorgemiddelde (11,15)
P/B Ratio1,11
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 17,2 | 11,1 |
| P/B | 1,1 | 1,2 |
| ROE % | 6,5 | 9,2 |
| Net Margin % | 128,3 | 9,4 |
| Rev Growth 5Y % | 5,5 | 5,8 |
| D/E | — | 0,5 |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 88,33% | Revenue Growth (3Y) | 10,39% |
| Earnings Growth (1Y) | 111,32% | Earnings Growth (3Y) | -3,86% |
| Revenue Growth (5Y) | 5,49% | Earnings Growth (5Y) | 108,33% |
| Profitability | |||
| Revenue (TTM) | 15,81 M | Net Income (TTM) | 20,29 M |
| ROE | 6,46% | ROA | 0,93% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | 128,29% | Free Cash Flow (TTM) | 11,12 M |
| ROIC | N/A | FCF Growth (3Y) | -34,38% |
| Safety | |||
| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | 0,01 |
| Working Capital | N/A | Tangible Book Value | 303,32 M |
| Dividends | |||
| Dividend Yield | N/A | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 17,21 | Forward P/E | N/A |
| P/B Ratio | 1,11 | P/S Ratio | 22,07 |
| PEG Ratio | 0,16 | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 3,18% | ||
| Market Cap | 349,07 M | Enterprise Value | 349,07 M |
| Per Share | |||
| EPS (Diluted TTM) | 0,83 | Revenue / Share | 0,63 |
| FCF / Share | 0,44 | OCF / Share | 0,44 |
| EPS CAGR (1Y) | 118,42% | EPS CAGR (5Y) | 113,43% |
| EPS CAGR (10Y) | N/A | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | 54,80% |
| SBC-Adj. FCF | 10,13 M | Growth Momentum | 82,84 |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 15,81 M | 8,40 M | 12,98 M | 13,23 M | 12,77 M |
| Net Income | 20,29 M | 9,60 M | 21,95 M | 10,28 M | 1,08 M |
| EPS (Diluted) | 0,83 | 0,38 | 0,87 | 0,41 | 0,04 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | 1,90 M | 1,00 M | 2,30 M | 2,40 M | 2,54 M |
| Interest Expense | 79,15 M | 21,80 M | 5,49 M | 1,46 M | 2,11 M |
| Income Tax | 6,20 M | 2,81 M | 5,91 M | 3,06 M | 1,58 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2,15 B | 1,98 B | 1,86 B | 1,96 B | 1,80 B |
| Total Liabilities | 1,83 B | 1,68 B | 1,59 B | 1,72 B | 1,56 B |
| Shareholders' Equity | 323,86 M | 304,55 M | 266,70 M | 242,63 M | 237,82 M |
| Total Debt | — | — | — | — | — |
| Cash & Equivalents | — | — | — | — | 324,96 M |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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