Pioneer Cash vs Net Debt Analysis

PBFS Stock

USD 11.68 0.19 1.60%

Pioneer Bancorp financial indicator trend analysis is much more than just breaking down Pioneer Bancorp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Pioneer Bancorp is a good investment. Please check the relationship between Pioneer Bancorp Cash and its Net Debt accounts. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pioneer Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

For more information on how to buy Pioneer Stock please use our How to Invest in Pioneer Bancorp guide.

Cash vs Net Debt

Cash vs Net Debt Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Pioneer Bancorp Cash account and Net Debt. At this time, the significance of the direction appears to have pay attention.

The correlation between Pioneer Bancorp's Cash and Net Debt is -0.93. Overlapping area represents the amount of variation of Cash that can explain the historical movement of Net Debt in the same time period over historical financial statements of Pioneer Bancorp, assuming nothing else is changed. The correlation between historical values of Pioneer Bancorp's Cash and Net Debt is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Cash of Pioneer Bancorp are associated (or correlated) with its Net Debt. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Debt has no effect on the direction of Cash i.e., Pioneer Bancorp's Cash and Net Debt go up and down completely randomly.

Correlation Coefficient

-0.93

Relationship Direction	Negative
Relationship Strength	Significant

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Cash

Cash refers to the most liquid asset of Pioneer Bancorp, which is listed under current asset account on Pioneer Bancorp balance sheet and usually includes currency, coins, checking accounts, and not deposited checks received from Pioneer Bancorp customers. The amounts must be unrestricted with restricted cash listed in a different Pioneer Bancorp account. The total amount of money in the form of currency that a company has in its possession. This includes all bills, coins, and funds in bank accounts.

Net Debt

The total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds.

Most indicators from Pioneer Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Pioneer Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pioneer Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

For more information on how to buy Pioneer Stock please use our How to Invest in Pioneer Bancorp guide.At this time, Pioneer Bancorp's Sales General And Administrative To Revenue is comparatively stable compared to the past year. Enterprise Value Over EBITDA is likely to gain to 5.45 in 2024, whereas Selling General Administrative is likely to drop slightly above 27.9 M in 2024.

	2021	2022	2023	2024 (projected)
Interest Income	43.8M	71.0M	88.3M	60.3M
Net Interest Income	42.4M	65.5M	66.5M	54.1M

Interest Income Net Interest Income

Pioneer Bancorp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Good Will	Common Stock Shares Outstanding	Short Term Investments	Non Current Liabilities Total	Capital Surpluse	Other Current Assets	Other Stockholder Equity	Total Liab	Long Term Investments
Total Assets		-0.32	0.69	0.69	0.96	0.92	0.95	0.11	-0.83	0.94	0.57	0.62	0.04	-0.26	-0.3	0.87	0.62	0.92	0.85	0.87	0.5	0.91	-0.75	0.9	0.56	0.67
Short Long Term Debt Total	-0.32		-0.31	-0.31	-0.38	-0.25	-0.36	0.48	-0.07	-0.47	-0.31	0.43	0.33	0.13	0.6	0.01	-0.79	-0.49	-0.17	-0.13	-0.97	-0.25	0.2	-0.25	-0.25	0.22
Other Current Liab	0.69	-0.31		1.0	0.56	0.47	0.56	0.01	-0.57	0.64	0.98	0.41	0.11	-0.17	-0.23	0.68	0.53	0.65	0.48	0.78	0.4	0.44	-0.35	0.42	0.98	0.16
Total Current Liabilities	0.69	-0.31	1.0		0.56	0.47	0.56	0.01	-0.57	0.64	0.98	0.41	0.1	-0.17	-0.23	0.69	0.54	0.66	0.48	0.78	0.4	0.44	-0.35	0.43	0.98	0.16
Total Stockholder Equity	0.96	-0.38	0.56	0.56		0.94	1.0	0.15	-0.69	0.96	0.43	0.48	-0.07	-0.33	-0.41	0.73	0.68	0.91	0.78	0.79	0.54	0.97	-0.74	0.96	0.4	0.66
Other Liab	0.92	-0.25	0.47	0.47	0.94		0.94	0.02	-0.8	0.82	0.35	0.63	-0.03	-0.32	-0.17	0.82	0.46	0.78	0.71	0.78	0.41	0.97	-0.6	0.98	0.33	0.85
Net Tangible Assets	0.95	-0.36	0.56	0.56	1.0	0.94		0.18	-0.68	0.95	0.44	0.47	-0.08	-0.34	-0.4	0.71	0.66	0.91	0.76	0.79	0.52	0.98	-0.72	0.96	0.4	0.65
Property Plant And Equipment Net	0.11	0.48	0.01	0.01	0.15	0.02	0.18		-0.17	0.2	-0.01	0.31	0.41	0.29	-0.01	0.0	-0.16	0.23	0.39	0.0	-0.39	0.17	-0.51	0.06	-0.06	0.11
Net Debt	-0.83	-0.07	-0.57	-0.57	-0.69	-0.8	-0.68	-0.17		-0.63	-0.47	-0.93	-0.28	0.05	-0.13	-0.93	-0.12	-0.65	-0.79	-0.71	-0.14	-0.7	0.6	-0.7	-0.49	-0.81
Retained Earnings	0.94	-0.47	0.64	0.64	0.96	0.82	0.95	0.2	-0.63		0.52	0.38	-0.08	-0.3	-0.52	0.66	0.79	0.97	0.83	0.76	0.62	0.87	-0.8	0.85	0.48	0.46
Accounts Payable	0.57	-0.31	0.98	0.98	0.43	0.35	0.44	-0.01	-0.47	0.52		0.33	0.11	-0.12	-0.18	0.58	0.46	0.55	0.35	0.68	0.36	0.31	-0.23	0.29	0.99	0.05
Cash	0.62	0.43	0.41	0.41	0.48	0.63	0.47	0.31	-0.93	0.38	0.33		0.36	-0.02	0.36	0.85	-0.2	0.39	0.61	0.6	-0.24	0.53	-0.43	0.53	0.36	0.82
Non Current Assets Total	0.04	0.33	0.11	0.1	-0.07	-0.03	-0.08	0.41	-0.28	-0.08	0.11	0.36		0.87	0.47	0.22	-0.31	0.11	0.34	0.07	-0.23	-0.06	-0.3	-0.16	0.13	0.18
Non Currrent Assets Other	-0.26	0.13	-0.17	-0.17	-0.33	-0.32	-0.34	0.29	0.05	-0.3	-0.12	-0.02	0.87		0.34	-0.19	-0.34	-0.09	0.13	-0.36	-0.09	-0.34	-0.16	-0.44	-0.13	-0.15
Other Assets	-0.3	0.6	-0.23	-0.23	-0.41	-0.17	-0.4	-0.01	-0.13	-0.52	-0.18	0.36	0.47	0.34		0.12	-0.79	-0.41	-0.28	-0.08	-0.6	-0.29	0.45	-0.3	-0.15	0.28
Cash And Short Term Investments	0.87	0.01	0.68	0.69	0.73	0.82	0.71	0.0	-0.93	0.66	0.58	0.85	0.22	-0.19	0.12		0.26	0.66	0.7	0.89	0.18	0.72	-0.5	0.74	0.61	0.78
Net Receivables	0.62	-0.79	0.53	0.54	0.68	0.46	0.66	-0.16	-0.12	0.79	0.46	-0.2	-0.31	-0.34	-0.79	0.26		0.74	0.47	0.51	0.83	0.53	-0.52	0.54	0.43	-0.06
Good Will	0.92	-0.49	0.65	0.66	0.91	0.78	0.91	0.23	-0.65	0.97	0.55	0.39	0.11	-0.09	-0.41	0.66	0.74		0.86	0.73	0.65	0.82	-0.82	0.78	0.51	0.44
Common Stock Shares Outstanding	0.85	-0.17	0.48	0.48	0.78	0.71	0.76	0.39	-0.79	0.83	0.35	0.61	0.34	0.13	-0.28	0.7	0.47	0.86		0.59	0.39	0.71	-0.96	0.68	0.34	0.55
Short Term Investments	0.87	-0.13	0.78	0.78	0.79	0.78	0.79	0.0	-0.71	0.76	0.68	0.6	0.07	-0.36	-0.08	0.89	0.51	0.73	0.59		0.26	0.76	-0.44	0.78	0.7	0.6
Non Current Liabilities Total	0.5	-0.97	0.4	0.4	0.54	0.41	0.52	-0.39	-0.14	0.62	0.36	-0.24	-0.23	-0.09	-0.6	0.18	0.83	0.65	0.39	0.26		0.4	-0.4	0.4	0.31	-0.05
Capital Surpluse	0.91	-0.25	0.44	0.44	0.97	0.97	0.98	0.17	-0.7	0.87	0.31	0.53	-0.06	-0.34	-0.29	0.72	0.53	0.82	0.71	0.76	0.4		-0.66	0.99	0.28	0.77
Other Current Assets	-0.75	0.2	-0.35	-0.35	-0.74	-0.6	-0.72	-0.51	0.6	-0.8	-0.23	-0.43	-0.3	-0.16	0.45	-0.5	-0.52	-0.82	-0.96	-0.44	-0.4	-0.66		-0.61	-0.21	-0.4
Other Stockholder Equity	0.9	-0.25	0.42	0.43	0.96	0.98	0.96	0.06	-0.7	0.85	0.29	0.53	-0.16	-0.44	-0.3	0.74	0.54	0.78	0.68	0.78	0.4	0.99	-0.61		0.27	0.79
Total Liab	0.56	-0.25	0.98	0.98	0.4	0.33	0.4	-0.06	-0.49	0.48	0.99	0.36	0.13	-0.13	-0.15	0.61	0.43	0.51	0.34	0.7	0.31	0.28	-0.21	0.27		0.06
Long Term Investments	0.67	0.22	0.16	0.16	0.66	0.85	0.65	0.11	-0.81	0.46	0.05	0.82	0.18	-0.15	0.28	0.78	-0.06	0.44	0.55	0.6	-0.05	0.77	-0.4	0.79	0.06

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Pioneer Bancorp Account Relationship Matchups

Pioneer Bancorp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.5B	1.8B	2.0B	1.9B	1.9B	1.8B
Other Current Liab	(7.8M)	1.1B	1.3B	1.2B	1.3B	998.9M
Total Current Liabilities	7.8M	1.1B	1.3B	1.2B	1.3B	1.0B
Total Stockholder Equity	224.0M	237.8M	242.6M	266.7M	296.5M	223.4M
Other Liab	24.5M	27.5M	28.5M	22.4M	25.7M	22.2M
Net Tangible Assets	214.5M	228.7M	231.3M	255.8M	294.2M	198.3M
Property Plant And Equipment Net	40.9M	38.9M	37.3M	41.6M	40.1M	32.1M
Net Debt	(155.5M)	(324.8M)	(372.6M)	(142.6M)	(150.8M)	(158.3M)
Retained Earnings	139.7M	140.8M	151.1M	173.0M	187.7M	157.7M
Accounts Payable	7.8M	1.5B	1.7B	1.5B	1.8B	1.3B
Cash	155.5M	324.8M	372.6M	148.3M	36.9M	35.1M
Non Current Assets Total	141.4M	326.4M	556.4M	52.5M	53.9M	51.2M
Non Currrent Assets Other	(15.7M)	(11.9M)	(12.9M)	(472.8M)	(53.9M)	(51.2M)
Other Assets	1.2B	876.4M	2.5B	187.1M	195.5M	185.7M
Cash And Short Term Investments	231.3M	589.4M	854.4M	465.3M	294.3M	423.4M
Net Receivables	3.5M	4.0M	4.6M	1.2B	1.4B	1.4B
Common Stock Shares Outstanding	25.0M	25.1M	25.1M	25.2M	25.2M	26.0M
Short Term Investments	75.8M	264.6M	481.8M	431.7M	257.4M	244.3M
Liabilities And Stockholders Equity	1.5B	1.8B	2.0B	1.9B	1.9B	1.8B
Non Current Liabilities Total	416.1M	429.9M	454.4M	374.1M	1.6B	1.7B
Other Current Assets	160.6M	329.4M	548.8M	157.7M	172.9M	261.0M
Other Stockholder Equity	101.3M	101.9M	102.5M	103.0M	103.6M	72.1M
Total Liab	7.8M	1.6B	1.7B	1.6B	1.6B	1.4B
Property Plant And Equipment Gross	40.9M	38.9M	56.1M	61.5M	61.2M	52.3M
Total Current Assets	234.8M	593.4M	1.4B	1.6B	1.6B	956.6M
Accumulated Other Comprehensive Income	(17.4M)	(5.1M)	(11.2M)	(9.6M)	4.9M	5.2M
Intangible Assets	2.2M	1.8M	2.5M	2.1M	3.0M	2.5M
Property Plant Equipment	40.9M	38.9M	37.3M	41.6M	37.5M	32.1M
Inventory	(234.6M)	(160.6M)	(329.4M)	986.5M	1.2B	1.2B

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