Is Pioneer Bancorp Stock a Good Investment?
Pioneer Bancorp Investment Advice | PBFS |
- Examine Pioneer Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Pioneer Bancorp's leadership team and their track record. Good management can help Pioneer Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Pioneer Bancorp's business and its evolving consumer preferences.
- Compare Pioneer Bancorp's performance and market position to its competitors. Analyze how Pioneer Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if Pioneer Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Pioneer Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Pioneer Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Pioneer Bancorp is a good investment.
Sell | Buy |
Hold
Market Performance | Modest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine Pioneer Bancorp Stock
Researching Pioneer Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 57.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.98. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pioneer Bancorp has Price/Earnings (P/E) ratio of 380.0. The entity had not issued any dividends in recent years.
To determine if Pioneer Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Pioneer Bancorp's research are outlined below:
| About 57.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from news.google.com: Unveiling 3 Undiscovered Gems in the US Market with Strong Potential - Yahoo Finance |
Pioneer Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Pioneer Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Pioneer Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Know Pioneer Bancorp's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Pioneer Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Pioneer Bancorp backward and forwards among themselves. Pioneer Bancorp's institutional investor refers to the entity that pools money to purchase Pioneer Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-12-31 | 90.4 K | Empowered Funds, Llc | 2024-12-31 | 60.2 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 55 K | Gator Capital Management, Llc | 2024-12-31 | 49.7 K | Arrowstreet Capital Limited Partnership | 2024-12-31 | 48.2 K | Jpmorgan Chase & Co | 2024-12-31 | 37 K | Goldman Sachs Group Inc | 2024-12-31 | 35.2 K | Millennium Management Llc | 2024-12-31 | 34.4 K | Charles Schwab Investment Management Inc | 2024-12-31 | 32.1 K | M3f, Inc. | 2024-12-31 | 2.3 M | Vanguard Group Inc | 2024-12-31 | 764.2 K |
Pioneer Bancorp's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 299.86 M.Market Cap |
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Pioneer Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Equity | 0.06 | 0.06 |
Determining Pioneer Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if Pioneer Bancorp is a good buy. For example, gross profit margin measures Pioneer Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Pioneer Bancorp's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Pioneer Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Pioneer Bancorp. Check Pioneer Bancorp's Beneish M Score to see the likelihood of Pioneer Bancorp's management manipulating its earnings.
Evaluate Pioneer Bancorp's management efficiency
Return On Equity is likely to gain to 0.06 in 2025, whereas Return On Tangible Assets are likely to drop 0 in 2025. Other Current Assets is likely to gain to about 261 M in 2025, whereas Total Assets are likely to drop slightly above 1.8 B in 2025. Pioneer Bancorp's management efficiency ratios could be used to measure how well Pioneer Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 10.59 | 12.01 | |
| Tangible Book Value Per Share | 10.10 | 11.64 | |
| Enterprise Value Over EBITDA | 3.11 | 5.45 | |
| Price Book Value Ratio | 1.02 | 1.75 | |
| Enterprise Value Multiple | 3.11 | 5.45 | |
| Price Fair Value | 1.02 | 1.75 | |
| Enterprise Value | 259.4 M | 272.4 M |
The strategic decisions made by Pioneer Bancorp management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Beta 0.466 |
Basic technical analysis of Pioneer Stock
As of the 21st of March, Pioneer Bancorp holds the Semi Deviation of 1.14, coefficient of variation of 8155.69, and Risk Adjusted Performance of 0.0136. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pioneer Bancorp, as well as the relationship between them. Please check Pioneer Bancorp variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Pioneer Bancorp is priced some-what accurately, providing market reflects its current price of 11.95 per share. Given that Pioneer Bancorp has jensen alpha of 0.0342, we recommend you to check out Pioneer Bancorp's recent market performance to make sure the company can sustain itself at a future point.Pioneer Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Pioneer Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Pioneer Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Pioneer Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Seifert Charles over three months ago Acquisition by Seifert Charles of 5000 shares of Pioneer Bancorp subject to Rule 16b-3 | ||
Patrick Hughes over three months ago Disposition of tradable shares by Patrick Hughes of Pioneer Bancorp subject to Rule 16b-3 | ||
Mahoney Shaun over six months ago Acquisition by Mahoney Shaun of 4500 shares of Pioneer Bancorp at 10.41 subject to Rule 16b-3 | ||
Susan Hollister over six months ago Acquisition by Susan Hollister of 7074 shares of Pioneer Bancorp at 10.056 subject to Rule 16b-3 | ||
Reed James K over six months ago Acquisition by Reed James K of 10000 shares of Pioneer Bancorp subject to Rule 16b-3 | ||
Murphy James Edward over a year ago Pioneer Bancorp exotic insider transaction detected |
Pioneer Bancorp's Outstanding Corporate Bonds
Pioneer Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Pioneer Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Pioneer bonds can be classified according to their maturity, which is the date when Pioneer Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Understand Pioneer Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Pioneer Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0136 | |||
| Market Risk Adjusted Performance | 0.0225 | |||
| Mean Deviation | 0.9139 | |||
| Semi Deviation | 1.14 | |||
| Downside Deviation | 1.27 | |||
| Coefficient Of Variation | 8155.69 | |||
| Standard Deviation | 1.21 | |||
| Variance | 1.48 | |||
| Information Ratio | 0.0657 | |||
| Jensen Alpha | 0.0342 | |||
| Total Risk Alpha | 0.1074 | |||
| Sortino Ratio | 0.0629 | |||
| Treynor Ratio | 0.0125 | |||
| Maximum Drawdown | 5.33 | |||
| Value At Risk | (1.82) | |||
| Potential Upside | 1.96 | |||
| Downside Variance | 1.61 | |||
| Semi Variance | 1.31 | |||
| Expected Short fall | (0.99) | |||
| Skewness | 0.2144 | |||
| Kurtosis | 1.16 |
| Risk Adjusted Performance | 0.0136 | |||
| Market Risk Adjusted Performance | 0.0225 | |||
| Mean Deviation | 0.9139 | |||
| Semi Deviation | 1.14 | |||
| Downside Deviation | 1.27 | |||
| Coefficient Of Variation | 8155.69 | |||
| Standard Deviation | 1.21 | |||
| Variance | 1.48 | |||
| Information Ratio | 0.0657 | |||
| Jensen Alpha | 0.0342 | |||
| Total Risk Alpha | 0.1074 | |||
| Sortino Ratio | 0.0629 | |||
| Treynor Ratio | 0.0125 | |||
| Maximum Drawdown | 5.33 | |||
| Value At Risk | (1.82) | |||
| Potential Upside | 1.96 | |||
| Downside Variance | 1.61 | |||
| Semi Variance | 1.31 | |||
| Expected Short fall | (0.99) | |||
| Skewness | 0.2144 | |||
| Kurtosis | 1.16 |
Consider Pioneer Bancorp's intraday indicators
Pioneer Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Pioneer Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Pioneer Bancorp Corporate Filings
| 12th of March 2025 Other Reports | ViewVerify | |
| 13th of February 2025 Other Reports | ViewVerify | |
8K | 30th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 18th of December 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Pioneer Stock media impact
Far too much social signal, news, headlines, and media speculation about Pioneer Bancorp that are available to investors today. That information is available publicly through Pioneer media outlets and privately through word of mouth or via Pioneer internal channels. However, regardless of the origin, that massive amount of Pioneer data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Pioneer Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Pioneer Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Pioneer Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Pioneer Bancorp alpha.
Pioneer Bancorp Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Pioneer Bancorp can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Pioneer Bancorp Corporate Management
| Robert Nichols | Ex Officer | Profile | |
| Thomas CPA | Executive Officer | Profile | |
| Kelli Arnold | Executive Officer | Profile | |
| James Murphy | Executive Officer | Profile | |
| Jesse Tomczak | Executive Officer | Profile |
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.