Pioneer Bancorp, Inc.

PBFS

PBFSPioneer Bancorp, Inc. US flag

NASDAQ Capital Market

15.82

USD

-0.97

- -

396.71MMarket Cap

Income Statement (USD)

API Chat

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	46	56	64	64	58	56	80	77	96
+ Sales & Services Revenue	46	56	64	64	58	56	80	77	96
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	23	23	24	26	28	23	30	32	37
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-23	-23	-24	-26	-28	-23	-30	-32	-37
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-8	-18	-8	-6	-3	-13	-28	-19	-26
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-8	-18	-8	-6	-3	-13	-28	-19	-26
Pretax Income	8	18	8	6	3	13	28	19	26
- Income Tax Expense (Benefit)	3	6	1	1	2	3	6	4	6
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	11	7	5	1	10	22	15	20
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	11	7	5	1	10	22	15	20
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	11	7	5	1	10	22	15	20
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	11	7	5	1	10	22	15	20
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	3	3	3	3	3	3	3	2
EBITDA Margin (%)	4.25	4.7	4.39	4.51	4.96	4.86	3.39	3.38	1.97
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	12.21	20.5	11.4	8.06	1.87	18.21	27.54	19.85	21.07
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	2	3	3	3	3	3	3	3	2
Basic Weighted Avg Shares	11	11	11	25	25	25	25	25	24
Basic EPS, GAAP	0.5	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.83
Basic EPS from Cont Ops	0.5	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.83
Diluted Weighted Avg Shares	11	11	11	25	25	25	25	25	25
Diluted EPS, GAAP	0.5	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.83
Diluted EPS from Cont Ops	0.5	1.03	0.65	0.21	0.04	0.41	0.87	0.61	0.83

Balance Sheet (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	122	199	315	231	589	854	580	409	185
+ Cash & Cash Equivalents	40	111	228	156	325	373	148	152	131
+ ST Investments	82	88	87	76	265	482	432	257	54
+ Accounts & Notes Receiv	3	4	4	3	4	5	7	8	9
+ Accounts Receivable, Net	3	4	4	3	4	5	7	8	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-125	-203	-319	-235	-593	-859	-587	-417	-194
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	37	43	42	41	39	38	42	40	36
+ Property, Plant & Equip	46	53	54	55	55	57	62	61	58
- Accumulated Depreciation	9	10	12	14	16	19	20	21	22
+ LT Investments & Receivables	84	93	99	91	278	508	458	282	262
+ LT Investments	84	93	99	91	278	508	458	282	262
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-122	-136	-141	-132	-317	-546	-500	-323	-298
+ Total Intangible Assets	6	10	10	9	9	11	11	14	12
+ Goodwill	5	7	7	7	7	9	9	11	10
+ Other Intangible Assets	- -	3	3	2	2	2	2	3	3
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-127	-146	-151	-141	-326	-557	-511	-336	-310
Total Assets	1,134	1,284	1,468	1,526	1,796	1,964	1,856	1,895	2,151
+ Payables & Accruals	- -	- -	- -	8	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	8	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	-8	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	-8	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,030	1,166	1,345	1,302	1,558	1,722	1,589	1,599	1,827
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	11	11	- -	114	114	114	114	114	116
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	11	11	- -	114	114	114	114	113	115
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	103	116	134	140	141	151	173	188	203
+ Other Equity	-10	-9	-11	-17	-5	-11	-10	5	14
Equity Before Minority Interest	104	118	123	224	238	243	267	297	324
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	104	118	123	224	238	243	267	297	324
Total Liabilities & Equity	1,134	1,284	1,468	1,526	1,796	1,964	1,856	1,895	2,151
Shares Outstanding	11	11	11	26	26	26	25	26	24
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-40	-111	-228	-156	-325	-373	-148	-152	-131
Net Debt to Equity	-38.01	-94.37	-185	-69.44	-136.57	-153.57	-55.61	-51.11	-40.41
Tangible Common Equity Ratio	8.71	8.47	7.78	14.14	12.8	11.85	13.86	15.02	14.57
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	6	11	7	5	1	10	22	15	20
+ Depreciation & Amortization	2	3	3	3	3	3	3	3	2
+ Non-Cash Items	2	6	18	9	3	2	1	7	3
+ Stock-Based Compensation	- -	- -	- -	1	1	1	1	1	2
+ Deferred Income Taxes	- -	2	- -	-3	-1	1	1	- -	-2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	2
+ Other Non-Cash Adj	2	4	18	11	3	1	-1	6	1
+ Chg in Non-Cash Work Cap	2	3	-22	-15	26	35	1	-1	-14
+ (Inc) Dec in Accts Receiv	-1	-1	-1	1	-1	-1	-3	- -	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	8	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	3	4	-22	-23	27	35	3	- -	-13
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	12	23	6	2	33	50	26	24	11
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	1	- -	- -	1	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	1	- -	- -	1	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-9	-8	-2	-2	-1	-1	- -	-1	-2
+ Acq of Fixed Prod Assets	-9	-8	-2	-2	-1	-1	- -	-1	-2
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	109	- -	- -	- -	-1	-11
+ Increase in Capital Stock	- -	- -	- -	109	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	-1	-11
+ Net Change in LT Investment	21	-8	-5	8	-186	-246	46	187	95
+ Dec in LT Investment	62	72	67	90	68	115	190	224	234
+ Inc in LT Investment	-41	-80	-72	-81	-255	-361	-144	-37	-139
+ Net Cash From Acq & Div	-6	-5	- -	- -	- -	-2	- -	-2	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	-6	-5	- -	- -	- -	-2	- -	-2	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-146	-58	-71	-116	62	99	-161	-202	-218
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-140	-79	-78	-109	-125	-148	-115	-18	-126
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	- -	- -	- -	- -	- -	- -	10
+ Cash From Debt	- -	- -	- -	- -	- -	- -	- -	- -	10
+ Repayments of Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	134	136	182	-75	261	149	-137	10	153
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	134	136	182	34	261	149	-137	9	152
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	6	80	110	-73	168	51	-226	15	37
EBITDA	2	3	3	3	3	3	3	3	2
EBITDA Margin (%)	4.25	4.7	4.39	4.51	4.96	4.86	3.39	3.38	1.97
Free Cash Flow	2	15	4	- -	32	49	26	23	9
Net Cash Paid for Acquisitions	6	5	- -	- -	- -	2	- -	2	- -
Free Cash Flow to Firm	2	15	4	- -	32	49	26	23	9
Free Cash Flow to Equity	- -	15	4	- -	32	50	26	23	19
Free Cash Flow per Basic Share	0.22	1.34	0.34	0.01	1.28	1.96	1.03	0.91	0.36
Price/Free Cash Flow	- -	- -	- -	61.39	9.06	4.85	8.43	10.23	24.65
Cash Flow to Net Income	2.11	2	0.84	0.39	30.32	4.86	1.2	1.56	0.55
Capital Expenditures	-9	-8	-2	-2	-1	-1	- -	-1	-2