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Pioneer Bankcorp, Inc. PBKC OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Pioneer Bankcorp, Inc. (PBKC) is a Banks - Regional company in the Financial Services sector, currently trading at $78.01. It has a SharesGrow Score of 72/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $44M, +21%/yr average growth. Net income is $11M, growing at +19.5%/yr. Net profit margin is 26.1% (strong). Gross margin is 78.3% (-21.7 pp trend).

Balance sheet: total debt is $0 against $60M equity (Debt-to-Equity (D/E) ratio 0, conservative). Current ratio is 0.16 (tight liquidity). Debt-to-assets is 0%. Total assets: $739M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 85/100 (Pass).

PBKC SharesGrow Score Overview

74/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 90/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 85/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PBKC

PBKC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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PBKC: +21%/yr revenue is, +19.5%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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PBKC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet PBKC: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is 0.16 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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PBKC: Gross margin is 78.3% (-21.7 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

PBKC: Net profit margin is 26.1%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range50-78.01

Volume328

Avg Volume (30D)82

Market Cap$88.14M

Beta (1Y)-0.09

Dividend Yield$1.3000

Share Statistics

EPS (TTM)10.34

Shares Outstanding$1.13M

IPO Date2019-09-03

CEOAndrew Couse

Financial Highlights & Ratios

Revenue (TTM)$43.6M

Gross Profit$34.14M

EBITDA$14.93M

Net Income$11.39M

Operating Income$14.93M

Total Assets$739.45M

Price / Earnings (P/E)7.5

Price / Sales (P/S)2.02

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS7236062086

Price Chart

PBKC

Pioneer Bankcorp, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

50.00 52WK RANGE 78.01

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