Pioneer Bancorp Stock Working Capital

PBFS Stock

USD 11.87 0.14 1.19%

Pioneer Bancorp fundamentals help investors to digest information that contributes to Pioneer Bancorp's financial success or failures. It also enables traders to predict the movement of Pioneer Stock. The fundamental analysis module provides a way to measure Pioneer Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Pioneer Bancorp stock.

		Last Reported	Projected for Next Year
	Change In Working Capital	-841 K	-799 K

Change In Working Capital is likely to gain to about (799 K) in 2024.

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Pioneer Bancorp Company Working Capital Analysis

Pioneer Bancorp's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

-

Current Liabilities

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Pioneer Working Capital Driver Correlations

Understanding the fundamental principles of building solid financial models for Pioneer Bancorp is extremely important. It helps to project a fair market value of Pioneer Stock properly, considering its historical fundamentals such as Working Capital. Since Pioneer Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Pioneer Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Pioneer Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Tangible Assets	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Good Will	Short Term Investments	Capital Surpluse	Total Liab	Long Term Investments	Total Current Assets	Short Term Debt	Intangible Assets	Property Plant Equipment	Earning Assets	Capital Stock	Common Stock
Total Assets		0.96	0.95	-0.83	0.94	0.57	0.62	0.92	0.87	0.91	0.56	0.67	0.29	-0.86	0.25	0.02	0.91	0.33	0.33
Total Stockholder Equity	0.96		1.0	-0.69	0.96	0.43	0.68	0.91	0.79	0.97	0.4	0.66	0.35	-0.8	0.18	0.02	0.88	0.28	0.28
Net Tangible Assets	0.95	1.0		-0.68	0.95	0.44	0.66	0.91	0.79	0.98	0.4	0.65	0.37	-0.78	0.16	0.04	0.88	0.22	0.22
Net Debt	-0.83	-0.69	-0.68		-0.63	-0.47	-0.12	-0.65	-0.71	-0.7	-0.49	-0.81	0.05	0.8	-0.27	-0.16	-0.82	-0.09	-0.09
Retained Earnings	0.94	0.96	0.95	-0.63		0.52	0.79	0.97	0.76	0.87	0.48	0.46	0.35	-0.83	0.26	0.06	0.9	0.34	0.34
Accounts Payable	0.57	0.43	0.44	-0.47	0.52		0.46	0.55	0.68	0.31	0.99	0.05	0.55	-0.34	0.16	-0.12	0.38	0.14	0.14
Net Receivables	0.62	0.68	0.66	-0.12	0.79	0.46		0.74	0.51	0.53	0.43	-0.06	0.52	-0.45	0.11	-0.31	0.46	0.65	0.65
Good Will	0.92	0.91	0.91	-0.65	0.97	0.55	0.74		0.73	0.82	0.51	0.44	0.28	-0.86	0.43	0.08	0.89	0.34	0.34
Short Term Investments	0.87	0.79	0.79	-0.71	0.76	0.68	0.51	0.73		0.76	0.7	0.6	0.57	-0.6	0.1	-0.04	0.65	0.18	0.18
Capital Surpluse	0.91	0.97	0.98	-0.7	0.87	0.31	0.53	0.82	0.76		0.28	0.77	0.31	-0.74	0.11	0.06	0.84	0.15	0.15
Total Liab	0.56	0.4	0.4	-0.49	0.48	0.99	0.43	0.51	0.7	0.28		0.06	0.52	-0.33	0.15	-0.13	0.35	0.17	0.17
Long Term Investments	0.67	0.66	0.65	-0.81	0.46	0.05	-0.06	0.44	0.6	0.77	0.06		-0.04	-0.59	0.06	0.12	0.64	-0.07	-0.07
Total Current Assets	0.29	0.35	0.37	0.05	0.35	0.55	0.52	0.28	0.57	0.31	0.52	-0.04		0.17	-0.44	-0.43	0.0	0.07	0.07
Short Term Debt	-0.86	-0.8	-0.78	0.8	-0.83	-0.34	-0.45	-0.86	-0.6	-0.74	-0.33	-0.59	0.17		-0.6	-0.35	-0.94	-0.27	-0.27
Intangible Assets	0.25	0.18	0.16	-0.27	0.26	0.16	0.11	0.43	0.1	0.11	0.15	0.06	-0.44	-0.6		0.5	0.39	0.06	0.06
Property Plant Equipment	0.02	0.02	0.04	-0.16	0.06	-0.12	-0.31	0.08	-0.04	0.06	-0.13	0.12	-0.43	-0.35	0.5		0.35	-0.67	-0.67
Earning Assets	0.91	0.88	0.88	-0.82	0.9	0.38	0.46	0.89	0.65	0.84	0.35	0.64	0.0	-0.94	0.39	0.35		0.11	0.11
Capital Stock	0.33	0.28	0.22	-0.09	0.34	0.14	0.65	0.34	0.18	0.15	0.17	-0.07	0.07	-0.27	0.06	-0.67	0.11		1.0
Common Stock	0.33	0.28	0.22	-0.09	0.34	0.14	0.65	0.34	0.18	0.15	0.17	-0.07	0.07	-0.27	0.06	-0.67	0.11	1.0

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

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Working Capital Over Time

Pioneer Capital Surpluse

Capital Surpluse

68.5 Million

At this time, Pioneer Bancorp's Capital Surpluse is comparatively stable compared to the past year.

Based on the company's disclosures, Pioneer Bancorp has a Working Capital of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The working capital for all United States stocks is 100.0% higher than that of the company.

Pioneer Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Pioneer Bancorp from analyzing Pioneer Bancorp's financial statements. These drivers represent accounts that assess Pioneer Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Pioneer Bancorp's important valuation drivers and their relationship over time.

		2019	2020	2021	2022	2023	2024 (projected)
Enterprise Value		155.1M	73.4M	(126.3M)	82.7M	225.6M	127.7M

Pioneer Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Pioneer Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Pioneer Bancorp's managers, analysts, and investors.

Environmental

Governance

Social

Pioneer Fundamentals

	Return On Equity	0.0631
	Return On Asset	0.0091
	Profit Margin	0.23 %
	Operating Margin	0.37 %
	Current Valuation	79.28 M
	Shares Outstanding	25.97 M
	Shares Owned By Insiders	56.74 %
	Shares Owned By Institutions	24.78 %
	Number Of Shares Shorted	26.95 K
	Price To Earning	380.00 X
	Price To Book	1.00 X
	Price To Sales	3.87 X
	Revenue	74.19 M
	Gross Profit	79.69 M
	EBITDA	22 M
	Net Income	15.26 M
	Cash And Equivalents	376.28 M
	Cash Per Share	14.96 X
	Total Debt	756 K
	Debt To Equity	11.77 %
	Book Value Per Share	11.95 X
	Cash Flow From Operations	23.85 M
	Short Ratio	0.75 X
	Earnings Per Share	0.72 X
	Number Of Employees	275
	Beta	0.49
	Market Capitalization	303.38 M
	Total Asset	1.9 B
	Retained Earnings	187.73 M
	Net Asset	1.9 B

About Pioneer Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Pioneer Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Pioneer Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Pioneer Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for Pioneer Stock Analysis

When running Pioneer Bancorp's price analysis, check to measure Pioneer Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pioneer Bancorp is operating at the current time. Most of Pioneer Bancorp's value examination focuses on studying past and present price action to predict the probability of Pioneer Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pioneer Bancorp's price. Additionally, you may evaluate how the addition of Pioneer Bancorp to your portfolios can decrease your overall portfolio volatility.

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