Pioneer Bancorp (PBFS) Financials

$18.14

$-0.14 (-0.77%)

As on 09-Sep-2026 16:01EDT

Market cap

$448 Mln

Revenue (TTM)

$135 Mln

P/E Ratio

26.5

P/B Ratio

1.3

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Operating Revenue	126.67	88.12	98.70	79.69	57.92	59.68
Cost of Revenue	34.08	16.51	24.50	8.66	0.91	6.16
Gross Profit	92.59	88.12	74.19	71.03	57.00	53.52
Operating Expenses	66.10	55.26	54.78	5.56	43.66	50.86
Operating Profit (EBIT)	26.49	32.86	19.41	27.86	13.34	2.66
Other Income	--	--	--	--	--	--
Profit before Tax	26.49	24.82	19.41	27.86	13.34	2.66
Provision for Tax	6.20	5.62	4.15	5.91	3.06	1.58
Profit after Tax (Net Income)	20.29	19.20	15.26	21.95	10.28	1.08
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	21.95	10.28	1.08

Liabilities ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Shareholder's Funds	323.86	314.25	296.53	266.70	242.63	237.82
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	78.52	29.55	38.92	39.75	35.73	21.72
Current Liabilities	1,748.31	1,752.63	1,559.95	1,549.74	1,685.87	1,536.71
Total Liabilities	2,150.68	2,096.43	1,895.40	1,856.19	1,964.23	1,796.25

Assets ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Non-Current Assets	1,956.55	1,680.12	1,478.88	1,269.02	1,105.22	1,202.82
Current Assets	194.13	416.31	416.52	587.17	859.01	593.43
Total Assets	2,150.68	2,096.43	1,895.40	1,856.19	1,964.23	1,796.25
Total Debt*	--	40.00	6.14	5.71	--	--
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Cash From Operating Activities	11.12	33.71	23.85	26.27	49.97	32.65
Cash Flow from Investing Activities	-125.79	-311.80	-18.05	-114.87	-148.03	-125.11
Cash from Financing Activities	151.83	140.76	8.91	-136.98	149.16	260.51
Net Cash Inflow / Outflow	--	--	--	--	51.10	-73.21

Financials Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Adjusted EPS ($)	0.83	0.78	0.61	0.87	0.41	0.04
Cash EPS ($)	0.91	0.78	0.71	0.98	0.52	0.16
Adjusted Book Value ($)	13.31	12.79	11.76	10.59	9.65	9.49
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	0.46	1.37	0.95	1.04	1.99	1.30
Free Cash Flow per Share ($)	0.36	1.31	0.91	1.03	1.96	1.28

Profitability Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
ROCE (%)	5.98	5.85	5.31	8.52	4.28	0.47
ROE (%)	6.36	6.29	5.42	8.62	4.28	0.47
ROA (%)	0.96	0.96	0.81	1.15	0.55	0.06
EBIT Margin (%)	20.91	--	19.67	34.95	23.03	4.46
Net Margin (%)	16.02	21.79	15.46	27.54	17.75	1.80
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Revenue Growth (%)	0.44	-0.11	0.24	0.38	-0.03	-0.14
EBIT Growth (%)	--	--	-30.32	108.84	401.43	-55.63
Net Profit Growth (%)	5.66	25.82	-30.47	113.52	854.41	-79.28
EPS Growth (%)	0.07	0.29	-0.31	1.13	8.51	-0.79
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Price / Earnings	20.47	15.39	16.54	10.27	23.98	279.77
Price / Book Value	1.28	0.94	0.85	0.85	1.02	1.27
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	8.11	-28.76	-6.84	-11.42	-37.80	-52.22
Close Price ($)	17.07	12.03	10.01	8.95	9.80	12.02
High Price ($)	19.42	12.65	11.00	11.97	13.98	13.34
Low Price ($)	11.89	9.96	7.81	7.96	9.61	8.02
Market Cap ($ Cr)	--	--	--	--	--	--

Solvency Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Debt to Equity	--	0.13	0.02	0.02	--	--
Short term debt to equity ratio	--	--	0.00	0.00	--	--
Current Ratio	0.11	0.24	0.27	0.38	0.51	0.39
Quick Ratio	--	--	-0.48	-0.26	--	0.60
Interest Coverage	0.87	--	0.89	5.07	9.11	1.26

Operating Efficiency Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Debtors to sales (%)	7.02	9.88	7.66	9.03	7.98	6.78
Asset Turnover	0.06	0.04	0.05	0.04	0.03	0.04
Receivable days	25.36	33.71	27.30	27.08	27.34	22.99
Inventory Days	--	25,904.97	16,081.43	41,626.39	-131,623.47	-14,527.11
Payable days	--	--	22,983.35	67,980.85	641,620.97	45,616.35
Cash Conversion Cycle	--	--	-6,874.62	-26,327.38	-773,217.10	-60,120.46