Pioneer Bankcorp, Inc.

PBKC

PBKCPioneer Bankcorp, Inc. US flag

Other OTC

77.50

USD

-0.50

- -

87.56MMarket Cap

Income Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	17	20	21	24	28	30	35
+ Sales & Services Revenue	17	20	21	24	28	30	35
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-12	-13	-14	-15	-18	-18	-19
- Operating Expenses	12	13	14	15	18	18	19
+ Selling, General & Admin	1	- -	1	1	1	1	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	11	12	13	14	17	17	19
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-5	-6	-7	-9	-10	-12	-15
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-5	-6	-7	-9	-10	-12	-15
Pretax Income	5	6	7	9	10	12	15
- Income Tax Expense (Benefit)	1	1	2	2	2	3	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	4	5	7	7	9	11
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	4	5	7	7	9	11
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	4	5	7	7	9	11
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	4	5	7	7	9	11
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-1	-1	-1	-1
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	21.57	22.5	24.83	27.88	26.79	29.7	32.58
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	0.55	0.65	0.84	0.96	1.2	1.31
Depreciation Expense	1	1	1	1	1	1	1
Basic Weighted Avg Shares	- -	1	1	1	1	1	1
Basic EPS, GAAP	- -	3.92	4.47	5.78	6.44	8	10.34
Basic EPS from Cont Ops	- -	3.92	4.47	5.78	6.44	8	10.34
Diluted Weighted Avg Shares	- -	1	1	1	1	1	1
Diluted EPS, GAAP	- -	3.92	4.47	5.78	6.44	8	10.34
Diluted EPS from Cont Ops	- -	3.92	4.47	5.78	6.44	8	10.34

Balance Sheet (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	47	59	69	102	56	76	68
+ Cash & Cash Equivalents	47	59	69	102	56	76	68
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	2	2	2	3	3	4
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	1	2	2	2	3	3	4
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-48	-60	-70	-104	-59	-79	-71
+ 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	15	14	15	15	15	15	15
+ Property, Plant & Equip	23	23	25	25	25	26	27
- Accumulated Depreciation	8	9	10	11	11	12	12
+ LT Investments & Receivables	36	70	133	159	122	103	75
+ LT Investments	36	70	133	159	122	103	75
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-51	-85	-148	-174	-137	-118	-90
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-51	-85	-148	-174	-137	-118	-90
Total Assets	395	499	596	691	705	739	815
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	2	2	7	7	7	7	7
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-2	-2	-7	-7	-7	-7	-7
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-2	-2	-7	-7	-7	-7	-7
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	357	457	551	649	653	679	742
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	12	12	12	13	13	13	12
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	12	12	12	13	13	13	12
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	27	29	34	39	45	52	61
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	38	42	45	43	52	60	73
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	38	42	45	43	52	60	73
Total Liabilities & Equity	395	499	596	691	705	739	815
Shares Outstanding	- -	1	1	1	1	1	1
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-47	-59	-69	-102	-56	-76	-68
Net Debt to Equity	-122.05	-140.01	-153.68	-238.32	-107.18	-127.59	-93.05
Tangible Common Equity Ratio	9.71	8.41	7.49	6.17	7.36	8.1	8.95
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	4	4	5	7	7	9	11
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	1	2	2	2	1	1	1
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	-1	- -	- -	-1	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	3	2	2	2	1	1
+ Chg in Non-Cash Work Cap	1	-1	1	1	-2	- -	-1
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	1	- -	1	1	-1	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	6	6	7	10	6	10	11
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	1	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	1	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	-1	-1	-1	-1
+ Acq of Fixed Prod Assets	- -	-1	-1	-1	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	5	-1	- -	1	- -	-1	-2
+ Increase in Capital Stock	6	- -	- -	1	- -	- -	- -
+ Decrease in Capital Stock	-1	-1	- -	- -	- -	-1	-2
+ Net Change in LT Investment	-6	-33	-65	-39	-30	14	-34
+ Dec in LT Investment	10	26	15	4	27	49	45
+ Inc in LT Investment	-16	-59	-81	-43	-57	-34	-80
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-17	-72	-19	-22	-24	-25	-44
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-23	-106	-86	-62	-54	-12	-79
+ Dividends Paid	-1	-1	-1	-1	-1	-1	-1
+ Net Cash From Debt	-1	- -	- -	- -	- -	- -	- -
+ Cash From Debt	- -	- -	- -	- -	- -	- -	- -
+ Repayments of Debt	-1	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	29	101	93	96	4	26	63
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	34	99	92	96	3	24	60
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	16	-2	14	44	-45	22	-8
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	5	5	6	9	5	9	10
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	5	5	6	9	5	9	10
Free Cash Flow to Equity	- -	5	6	9	6	9	10
Free Cash Flow per Basic Share	- -	4.4	5.49	7.56	4.7	7.64	9.53
Price/Free Cash Flow	- -	5.65	4.97	4.73	6.28	4.94	6.2
Cash Flow to Net Income	1.5	1.3	1.45	1.42	0.85	1.09	1
Capital Expenditures	- -	-1	-1	-1	-1	-1	-1