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Pioneer Bancorp (PBFS) Key Ratios

Stock Card factsheet share-fund-plan-icon

$18.54

up-down-arrow $0.51 (2.83%)

As on 04-Sep-2026 16:01EDT

Market cap

info icon

$448 Mln

Revenue (TTM)

info icon

$135 Mln

P/E Ratio

info icon

26.5

P/B Ratio

info icon

1.3

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 15.84 17.36 13.30 16.55 17.71
EBIT 72.59 21.03 -5.28 -1.66 58.31
Net Profit -34.14 -45.99 -22.77 -8.44 73.33
EPS -34.11 -45.47 -21.08 -7.49 74.18
Book Value -- -- 4.06 7.92 7.01
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsJun-26Jun-25Jun-24
EBIT-Margin info 13.5319.7120.910.0019.67
Net Margin info ----------
Return on equity info 6.026.196.366.295.42
Return on Capital info 5.715.995.985.855.31
Return on Assets info 0.910.890.960.960.81
Debt to Equity (x) info ------0.130.02

Profitability

View Detailed Peer Comparison

ROCE

5.98

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
5.98
5.85
5.31
8.52
4.28
Peer Median
--
--
--
--
--
ROE

6.36

--

Profit after tax / Average Net worth * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
6.36
6.29
5.42
8.62
4.28
Peer Median
--
--
--
--
--
ROA

0.96

--

Profit after tax / Average Total assets * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
0.96
0.96
0.81
1.15
0.55
Peer Median
--
--
--
--
--
EBIT Margin

20.91

--

Operating profit (EBIT) / Net Sales * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
20.91
--
19.67
34.95
23.03
Peer Median
--
--
--
--
--
Net Margin

16.02

--

Net profit / Total Income (Net sales plus other income) * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
16.02
21.79
15.46
27.54
17.75
Peer Median
--
--
--
--
--

Growth

View Detailed Peer Comparison

Revenue Growth

0.44

--

Year on year growth in net sales

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
0.44
-0.11
0.24
0.38
-0.03
Peer Median
--
--
--
--
--
EBIT Growth

--

--

Year on year growth in operating profit (EBIT)

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
--
-30.32
108.84
401.43
Peer Median
--
--
--
--
--
Net Profit Growth

5.66

--

Year on year growth in profit after tax

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
5.66
25.82
-30.47
113.52
854.41
Peer Median
--
--
--
--
--
EPS Growth

0.07

--

Year on year growth in earnings per share

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
0.07
0.29
-0.31
1.13
8.51
Peer Median
--
--
--
--
--

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
0.13
0.02
0.02
--
Peer Median
--
--
--
--
--
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
--
0.00
0.00
--
Peer Median
--
--
--
--
--
Current Ratio

0.11

--

Current Assets / Current Liabilities and Provisions

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
0.11
0.24
0.27
0.38
0.51
Peer Median
--
--
--
--
--
Quick Ratio

--

--

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
--
-0.48
-0.26
--
Peer Median
--
--
--
--
--
Interest Coverage

0.87

--

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
0.87
--
0.89
5.07
9.11
Peer Median
--
--
--
--
--

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

7.02

--

Debtors outstanding / Net Sales * 100

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
7.02
9.88
7.66
9.03
7.98
Peer Median
--
--
--
--
--
Asset Turnover

0.06

--

Sales / Average Total Assets

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
0.06
0.04
0.05
0.04
0.03
Peer Median
--
--
--
--
--
Receivable days

25.36

--

Average Debtors / Sales * 365

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
25.36
33.71
27.30
27.08
27.34
Peer Median
--
--
--
--
--
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
25,904.97
16,081.43
41,626.39
-131,623.47
Peer Median
--
--
--
--
--
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
--
22,983.35
67,980.85
641,620.97
Peer Median
--
--
--
--
--
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
--
--
-6,874.62
-26,327.38
-773,217.10
Peer Median
--
--
--
--
--

Valuation

View Detailed Peer Comparison

Price / Earnings

20.47

--

Current share price divided by earning per share in the last twelve months

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
20.47
15.39
16.54
10.27
23.98
Peer Median
--
--
--
--
--
Price / Book Value

1.28

--

Current share price divided by book value per share in the latest financial year

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
1.28
0.94
0.85
0.85
1.02
Peer Median
--
--
--
--
--
EV/EBITDA

8.11

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
Jun-26
Jun-25
Jun-24
Jun-23
Jun-22
Pioneer Bancorp (PBFS)
8.11
-28.76
-6.84
-11.42
-37.80
Peer Median
--
--
--
--
--
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