Pioneer Bancorp, Inc. (PBFS) Key Metrics
PBFS valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $425.1M
- Enterprise value
- $317.1M
- P/E (TTM)
- 25.1 10-yr median 20.7
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 4.3 10-yr median 3.3
- Price / book
- 1.3 10-yr median 1.0
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 0.42
PBFS key metrics, FY2017–FY2026
Fiscal year ended June 30, 2026 · U.S. dollarsPBFS valuation Price multiples at each fiscal year-end price.
PBFS returns How much profit the business earns on the capital it uses.
PBFS per-share figures Results divided by the shares outstanding at year-end.
PBFS financial health Debt, liquidity and how easily interest is covered.
PBFS efficiency & capital use Working capital cycle and where the cash goes.
PBFS valuation history
PBFS returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PBFS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PBFS cash returned to shareholders
PBFS price vs earnings per share
PBFS key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $419.4M | $301.9M | $252.5M | $225.3M | $246.3M | $301.3M | $228.9M | — | — | — |
| Enterprise value | $234.1M | −$65.7M | −$150.3M | −$349.0M | −$608.1M | −$288.1M | −$2.4M | — | — | — |
| P/E ratio | 20.7 | 15.7 | 16.5 | 10.3 | 24.0 | 279.8 | 44.0 | — | — | — |
| Price / sales | 3.3 | 3.4 | 2.6 | 2.8 | 4.3 | 5.0 | 3.3 | — | — | — |
| Price / book | 1.3 | 1.0 | 0.9 | 0.8 | 1.0 | 1.3 | 1.0 | — | — | — |
| Price / free cash flow | 47.7 | 9.4 | 11.0 | 8.7 | 5.0 | 9.4 | 710.8 | — | — | — |
| Price / operating cash flow | 37.7 | 9.0 | 10.6 | 8.6 | 4.9 | 9.2 | 113.0 | — | — | — |
| EV / sales | 1.8 | -0.7 | -1.5 | -4.4 | -10.5 | -4.8 | -0.0 | — | — | — |
| EV / EBITDA | 8.2 | — | — | — | — | — | — | — | — | — |
| EV / free cash flow | 26.6 | — | — | — | — | — | — | — | — | — |
| Earnings yield | 4.8% | 6.4% | 6.0% | 9.7% | 4.2% | 0.4% | 2.3% | — | — | — |
| Free cash flow yield | 2.1% | 10.7% | 9.1% | 11.5% | 20.0% | 10.6% | 0.1% | — | — | — |
| Shareholder yield (dividends + buybacks) | 2.7% | 2.1% | 0.4% | 0.0% | — | 0.0% | 6.0% | — | — | — |
| Share price at fiscal year-end | $17.07 | $12.03 | $10.01 | $8.95 | $9.80 | $12.02 | $9.15 | — | — | — |
| Per share | ||||||||||
| Revenue per share | $5.16 | $3.51 | $3.91 | $3.17 | $2.30 | $2.38 | $2.77 | $6.14 | $5.31 | $4.34 |
| Earnings per share | $0.83 | $0.76 | $0.61 | $0.87 | $0.41 | $0.04 | $0.21 | $0.65 | $1.03 | $0.50 |
| Operating cash flow per share | $0.45 | $1.34 | $0.95 | $1.04 | $1.99 | $1.30 | $0.08 | $0.55 | $2.06 | $1.06 |
| Free cash flow per share | $0.36 | $1.28 | $0.91 | $1.03 | $1.96 | $1.28 | $0.01 | $0.34 | $1.34 | $0.22 |
| Cash per share | $7.54 | $16.24 | $16.21 | $23.04 | $34.00 | $23.51 | $9.25 | $28.17 | $17.86 | $10.88 |
| Book value per share | $13.18 | $12.52 | $11.76 | $10.60 | $9.65 | $9.49 | $8.95 | $11.03 | $10.57 | $9.31 |
| Tangible book value per share | $12.68 | $11.99 | $11.21 | $10.16 | $9.21 | $9.12 | $8.58 | $10.16 | $9.66 | $8.80 |
| Capex per share | $0.09 | $0.06 | $0.03 | $0.02 | $0.03 | $0.02 | $0.07 | $0.20 | $0.72 | $0.84 |
| Debt per share | — | $1.59 | $0.24 | $0.23 | — | — | — | — | — | $0.45 |
| Shares outstanding | 24.6M | 25.1M | 25.2M | 25.2M | 25.1M | 25.1M | 25.0M | 11.2M | 11.2M | 11.2M |
| Change in shares outstanding | −2.1% | −0.5% | +0.2% | +0.2% | +0.3% | +0.2% | +123.9% | +0.0% | −0.0% | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 6.4% | 6.3% | 5.4% | 8.6% | 4.3% | 0.5% | 3.0% | 6.1% | 10.4% | 5.4% |
| Return on invested capital (ROIC) | 47.6% | — | — | — | — | — | — | — | — | — |
| Return on assets (ROA) | 1.0% | 1.0% | 0.8% | 1.1% | 0.5% | 0.1% | 0.3% | 0.5% | 1.0% | 0.5% |
| Return on tangible assets | 0.9% | 0.9% | 0.8% | 1.2% | 0.5% | 0.1% | 0.3% | 0.5% | 0.9% | 0.5% |
| Free cash flow margin | 6.9% | 36.5% | 23.3% | 32.4% | 84.9% | 53.7% | 0.5% | 5.6% | 25.3% | 5.2% |
| Income quality (OCF / net income) | 0.55 | 1.76 | 1.56 | 1.20 | 4.86 | 30.32 | 0.39 | 0.84 | 2.00 | 2.11 |
| Financial health | ||||||||||
| Total debt | — | $40.0M | $6.1M | $5.7M | — | — | — | — | — | $5.0M |
| Cash & short-term investments | $185.2M | $407.6M | $409.0M | $580.0M | $854.4M | $589.4M | $231.3M | $314.7M | $199.5M | $121.5M |
| Net debt | −$185.2M | −$367.6M | −$402.8M | −$574.3M | −$854.4M | −$589.4M | −$231.3M | −$314.7M | −$199.5M | −$116.5M |
| Debt / equity | — | 0.13 | 0.02 | 0.02 | — | — | — | — | — | 0.05 |
| Debt / assets | — | 0.02 | 0.00 | 0.00 | — | — | — | — | — | 0.00 |
| Net debt / EBITDA | −6.53 | −146.69 | −18.31 | −18.80 | −53.13 | −106.83 | −25.98 | −28.98 | −9.76 | −11.30 |
| Current ratio | 0.11 | 0.24 | 0.27 | 0.38 | 0.51 | 0.39 | 0.18 | 0.24 | 0.18 | 0.12 |
| Quick ratio | 0.11 | 0.24 | −0.48 | −0.26 | 0.51 | 0.60 | 0.31 | 0.41 | 0.35 | 0.12 |
| Interest coverage | 0.9 | 2.3 | 0.9 | 5.1 | 9.1 | 1.3 | 1.3 | 1.8 | 5.6 | 3.5 |
| Working capital | −$1.55B | −$1.34B | −$1.14B | −$962.6M | −$826.9M | −$943.3M | −$1.05B | −$1.02B | −$952.3M | −$890.2M |
| Invested capital | $138.6M | −$53.4M | −$106.3M | −$307.6M | −$611.8M | −$351.6M | −$7.3M | −$191.5M | −$81.4M | −$12.5M |
| Tangible asset value | $311.6M | $300.9M | $282.7M | $255.8M | $231.3M | $228.7M | $214.5M | $113.4M | $107.9M | $98.3M |
| Net current asset value | −$1.63B | −$1.37B | −$1.18B | −$1.00B | −$862.6M | −$965.0M | −$1.07B | −$1.03B | −$962.7M | −$905.4M |
| Graham number | $15.65 | $14.68 | $12.65 | $14.42 | $9.43 | $3.03 | $6.47 | $12.75 | $15.65 | $10.28 |
| Graham net-net per share | −$66.55 | −$54.51 | −$23.73 | −$20.30 | −$34.37 | −$45.11 | −$45.93 | −$102.44 | −$95.38 | −$81.12 |
| Capital allocation | ||||||||||
| Share buybacks (net) | $11.3M | $6.3M | $1.1M | $0 | — | $0 | $13.6M | — | — | — |
| Dividends + buybacks / free cash flow | 128.3% | 19.5% | 4.7% | 0.0% | — | 0.0% | — | — | — | — |
| Capex / revenue | 1.8% | 1.7% | 0.8% | 0.6% | 1.3% | 1.0% | 2.5% | 3.3% | 13.5% | 19.3% |
| Capex / operating cash flow | 20.8% | 4.5% | 3.5% | 1.7% | 1.6% | 1.8% | 84.1% | 37.3% | 34.8% | 78.9% |
| Capex / depreciation | 1.22 | 0.60 | 0.32 | 0.17 | 0.28 | 0.21 | 0.59 | 0.81 | 3.04 | 4.78 |
| Stock-based compensation / revenue | 1.5% | 2.2% | 0.6% | 0.6% | 1.0% | 0.9% | 1.4% | 3.5% | 6.2% | 5.3% |
| SG&A / revenue | 29.1% | 14.4% | 32.4% | 36.6% | 39.6% | 47.6% | 37.3% | 35.4% | 39.1% | 46.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 25.3 | 33.7 | 27.3 | 27.1 | 27.3 | 23.0 | 20.7 | 21.9 | 21.9 | 24.5 |
| Days of inventory on hand | — | — | 16,070.4 | 41,597.9 | — | -14,517.2 | -6,261.3 | -3,532.0 | -14,393.9 | — |
| Days payables outstanding | — | — | — | 67,934.3 | 641,181.8 | 45,585.1 | 21,211.8 | 20,012.7 | 76,464.8 | 76,708.2 |
| Cash conversion cycle (days) | — | — | — | -26,309.4 | -641,154.5 | -60,079.3 | -27,452.5 | -23,522.8 | -90,836.8 | -76,683.7 |
| Receivables turnover | 14.40 | 10.84 | 13.38 | 13.49 | 13.36 | 15.89 | 17.65 | 16.67 | 16.68 | 14.90 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.01 | 0.02 | 0.02 | 0.00 | 0.00 |
| Inventory turnover | — | — | 0.02 | 0.01 | — | — | — | — | — | — |
| Asset turnover | 0.06 | 0.04 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Average receivables | $8.8M | $8.1M | $7.4M | $5.9M | $4.3M | $3.8M | $3.9M | $4.1M | $3.6M | $3.3M |
| Average payables | — | — | — | $1.61B | $1.61B | $769.3M | $669.5M | $1.24B | $1.08B | $1.01B |
| Average inventory | — | — | $1.08B | $986.5M | — | −$245.0M | −$197.6M | −$219.0M | −$203.3M | — |
| Intangibles / total assets | 0.6% | 0.6% | 0.7% | 0.6% | 0.6% | 0.5% | 0.6% | 0.7% | 0.8% | 0.5% |
Computed from PBFS's annual financial statements (latest annual report filed August 10, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PBFS valuation and financial ratios
At the end of fiscal 2026 (June 30, 2026), Pioneer Bancorp traded at 20.7 times earnings, against a 10-year median of 20.7. Based on the latest twelve months, the trailing P/E is 25.1. Pioneer Bancorp earned a return on equity of 6.4% and a return on invested capital of 47.6% in fiscal 2026. It returned $11.3 million to shareholders: $0 in dividends and $11.3 million in share buybacks, 128% of free cash flow. The share count rose 119.9% from 11.2M to 24.6M over 9 years.
See the PBFS income statement, the PBFS chart for price history, or the PBFS stock overview for the latest quote and news.
PBFS key metrics FAQ
What is Pioneer Bancorp's P/E ratio?
Pioneer Bancorp's trailing P/E ratio is 25.1 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2026 it was 20.7, compared with a 10-year median of 20.7.
What is Pioneer Bancorp's EV/EBITDA?
Pioneer Bancorp's enterprise value was 8.2 times EBITDA at the end of fiscal 2026 (enterprise value $234.1 million, EBITDA $28.4 million).
What is Pioneer Bancorp's return on equity?
Pioneer Bancorp's return on equity (ROE) was 6.4% in fiscal 2026: net income of $20.3 million on average shareholders' equity of $319.1 million.
What is Pioneer Bancorp's ROIC?
Pioneer Bancorp's return on invested capital was 47.6% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
Does Pioneer Bancorp buy back its shares?
Yes. Pioneer Bancorp spent $11.3 million on net share repurchases in fiscal 2026 Shares outstanding changed −2.1% over the year, to 24.6M..
What is Pioneer Bancorp's free cash flow yield?
Pioneer Bancorp generated $8.8 million of free cash flow in fiscal 2026, a free cash flow yield of 2.1% on its market value at year-end ($419.4 million).
What is Pioneer Bancorp's current ratio?
Pioneer Bancorp's current ratio was 0.11 at the end of fiscal 2026: current assets were 0.11 times current liabilities.