Pioneer Bancorp, Inc. (PBFS) is a Banks - Regional company in the Financial Services sector, currently trading at $14.57. It has a SharesGrow Score of 68/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of PBFS = $14.19 (-2.6% from the current price, the stock appears fairly valued).
Valuation: PBFS trades at a trailing Price-to-Earnings (P/E) of 16.9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 4.51.
Financials: revenue is $88M, +17.4%/yr average growth. Net income is $19M, growing at +36.3%/yr. Net profit margin is 21.8% (strong). Gross margin is 100% (+2.5 pp trend).
Balance sheet: total debt is $0 against $314M equity (Debt-to-Equity (D/E) ratio 0, conservative). Current ratio is 0.24 (tight liquidity). Debt-to-assets is 0%. Total assets: $2.1B.
SharesGrow 7-Criteria breakdown: Value 30/100 (Fail), Growth 90/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 50/100 (Partial), Future ?/100 (Fail), Income 85/100 (Pass).
