Pioneer Bancorp, Inc. Financial Ratios — PBFS Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	12/31/2025

Return on Common Equity (%)	- -	10.48	5.83	3.79	0.77	7.03	13.52	8.45	10.37
Return on Assets (%)	- -	0.95	0.53	0.35	0.06	0.55	1.15	0.81	1
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.25	4.7	4.39	4.51	4.96	4.86	3.39	3.38	1.97
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.1	31.74	12.56	9.3	4.62	23.63	34.95	25.24	27.51
Profit Margin (%)	12.21	20.5	11.4	8.06	1.87	18.21	27.54	19.85	21.07
Net Income to Common Margin (%)	12.21	20.5	11.4	8.06	1.87	18.21	27.54	19.85	21.07
Effective Tax Rate (%)	32.53	35.43	9.16	13.29	59.51	22.93	21.21	21.38	23.41
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	10.48	5.83	3.79	0.77	7.03	13.52	8.45	10.37

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-20.16	-42.23	-81.03	-53.52	-113.68	-135.78	-54.97	-58.38	-68.92
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.08	9.06	9.15	9.17	7.85	7.71	9.34	9.92	9.45
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-38.01	-94.37	-185	-69.44	-136.57	-153.57	-55.61	-51.11	-40.41
Net Debt/Capital (%)	-62.27	-2,235.82	243.45	1,001.62	176.79	168.41	-593.55	-415.87	-180.71
EBITDA	2	3	3	3	3	3	3	3	2
EBITDA-CapEx	-7	-5	1	1	2	2	2	2	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.08	9.06	9.15	9.17	7.85	7.71	9.34	9.92	9.45
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	1.15	1.97	0.46	0.16	2.1	2.9	1.65	1.49	0.61
CFO/CapEx	1.27	2.87	2.68	1.19	54.79	64.06	58.25	28.46	4.8
Altman's Z-Score	0.17	0.17	0.17	0.28	0.26	0.22	0.26	0.28	0.29

Working Capital (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	12/31/2025

Accounts Receivable Turnover	- -	15.78	15.58	16.44	15.32	13.02	13.49	10.42	11.71
Days Sales Outstanding	- -	23.13	23.43	22.2	23.82	28.03	27.06	35.02	31.17
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	12/31/2025

Market Capitalization	- -	- -	- -	229	301	246	225	252	330
- Cash & Cash Equivalents	40	111	228	156	325	373	148	152	131
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	103	116	134	140	141	151	173	188	203
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	229	301	246	225	252	331
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	46	56	64	64	58	56	80	77	96
TTM EBITDA	2	3	3	3	3	3	3	3	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12	23	6	2	33	50	26	24	11
TTM Free Cash Flow to Firm	21	31	8	4	33	51	27	25	13

Multiples (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	61.39	9.06	4.85	8.43	10.23	24.65
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	8.06	8.02	9.61	7.96	7.81	10.6
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	44.03	279.77	23.96	10.26	16.53	16.26
Price/Earnings Average	- -	- -	- -	60.41	244.21	27.86	11.54	15.28	14.88
Price/Earnings High	- -	- -	- -	73.87	310.49	34.18	13.73	18.16	18.02
Price/Earnings Low	- -	- -	- -	38.79	186.67	23.5	9.13	12.89	12.79
Price/Book Value	- -	- -	- -	1.63	2.14	1.63	1.3	1.34	1.62
Price/Book Value Average	- -	- -	- -	2.24	1.86	1.89	1.46	1.24	1.49
Price/Book Value High	- -	- -	- -	2.74	2.37	2.32	1.74	1.47	1.8
Price/Book Value Low	- -	- -	- -	1.44	1.43	1.6	1.16	1.05	1.28
Price/Tangible Book Value	- -	- -	- -	1.07	1.32	1.06	0.88	0.89	1.06
Price/Tangible Book Value Average	- -	- -	- -	1.46	1.15	1.24	0.99	0.83	0.97
Price/Tangible Book Value High	- -	- -	- -	1.79	1.46	1.52	1.18	0.98	1.17
Price/Tangible Book Value Low	- -	- -	- -	0.94	0.88	1.04	0.78	0.7	0.83
Price/Sales	- -	- -	- -	3.55	5.23	4.36	2.83	3.28	3.43
Price/Sales Average	- -	- -	- -	4.87	4.57	5.07	3.18	3.03	3.14
Price/Sales High	- -	- -	- -	5.96	5.81	6.22	3.78	3.6	3.8
Price/Sales Low	- -	- -	- -	3.13	3.49	4.28	2.51	2.56	2.69
Price/Cash Flow	- -	- -	- -	113.02	9.23	4.93	8.58	10.58	29.67
Price/Cash Flow Average	- -	- -	- -	155.07	8.05	5.73	9.64	9.78	27.16
Price/Cash Flow High	- -	- -	- -	189.61	10.24	7.03	11.47	11.62	32.89
Price/Cash Flow Low	- -	- -	- -	99.56	6.16	4.83	7.63	8.25	23.33
Price/Free Cash Flow Average	- -	- -	- -	84.23	7.91	5.64	9.48	9.46	22.57
Price/Free Cash Flow High	- -	- -	- -	102.99	10.06	6.92	11.28	11.24	27.32
Price/Free Cash Flow Low	- -	- -	- -	54.08	6.05	4.76	7.5	7.98	19.38
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	9.15	12.02	9.8	8.95	10.01	13.48
High Price	- -	- -	- -	15.35	13.34	13.98	11.97	11	14.94
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -

Shares Outstanding	11	11	11	26	26	26	25	26	24
Diluted Weighted Avg Shares	11	11	11	25	25	25	25	25	25
Basic Weighted Avg Shares	11	11	11	25	25	25	25	25	24
Revenue per Share	4.13	5.02	5.74	2.58	2.3	2.25	3.17	3.05	3.93
EBITDA per Share	0.18	0.24	0.25	0.12	0.11	0.11	0.11	0.1	0.08
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.06	2.06	0.55	0.08	1.3	1.99	1.04	0.95	0.45
Free Cash Flow per Basic Share	0.22	1.34	0.34	0.01	1.28	1.96	1.03	0.91	0.36
Cash & Equivalents per Share	10.88	17.86	28.17	9.25	23.51	34	23.04	16.23	7.57
Book Value per Share	9.22	10.42	12.03	5.6	5.63	6.02	6.89	7.46	8.31
Tangible Book Value per Share	8.8	9.66	10.16	8.58	9.12	9.21	10.16	11.22	12.73

Pioneer Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)