Pioneer Bancorp Valuation
| PBFS Stock | USD 11.87 0.14 1.19% |
At this time, the company appears to be overvalued. Pioneer Bancorp holds a recent Real Value of $9.74 per share. The prevailing price of the company is $11.87. Our model determines the value of Pioneer Bancorp from analyzing the company fundamentals such as Shares Outstanding of 25.97 M, operating margin of 0.37 %, and Return On Equity of 0.0631 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Pioneer Bancorp's valuation include:
Price Book 0.9986 | Enterprise Value 79.3 M | Price Sales 3.8714 | Trailing PE 16.2222 | Enterprise Value Revenue 3.8187 |
Overvalued
Today
Please note that Pioneer Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of Pioneer Bancorp is based on 3 months time horizon. Increasing Pioneer Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Pioneer stock is determined by what a typical buyer is willing to pay for full or partial control of Pioneer Bancorp. Since Pioneer Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Pioneer Stock. However, Pioneer Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 11.87 | Real 9.74 | Hype 11.89 |
The intrinsic value of Pioneer Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Pioneer Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Pioneer Bancorp helps investors to forecast how Pioneer stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Pioneer Bancorp more accurately as focusing exclusively on Pioneer Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Pioneer Bancorp's intrinsic value based on its ongoing forecasts of Pioneer Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Pioneer Bancorp's closest peers.
Pioneer Bancorp Cash |
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Pioneer Valuation Trend
Pioneer Bancorp's real value is important for investors to make better decisions and a more accurate overall view of Pioneer Bancorp's financial worth over time. Using both Pioneer Bancorp's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Pioneer Revenue by Product
Pioneer Bancorp Total Value Analysis
Pioneer Bancorp is at this time forecasted to have valuation of 79.28 M with market capitalization of 303.38 M, debt of 756 K, and cash on hands of 376.28 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Pioneer Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
79.28 M | 303.38 M | 756 K | 376.28 M |
Pioneer Bancorp Investor Information
About 57.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.0. 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. Based on the analysis of Pioneer Bancorp's profitability, liquidity, and operating efficiency, Pioneer Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 23.8 M | 23.8 M |
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Pioneer Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of Pioneer implies not a very effective usage of assets in December.Pioneer Bancorp Ownership Allocation
Pioneer Bancorp owns a total of 25.97 Million outstanding shares. Pioneer Bancorp has significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.Pioneer Bancorp Profitability Analysis
The company reported the previous year's revenue of 74.19 M. Net Income was 15.26 M with profit before overhead, payroll, taxes, and interest of 79.69 M.About Pioneer Bancorp Valuation
The stock valuation mechanism determines Pioneer Bancorp's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Pioneer Bancorp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Pioneer Bancorp. We calculate exposure to Pioneer Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Pioneer Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 74.2 M | 67.8 M | |
| Pretax Profit Margin | 0.26 | 0.16 | |
| Operating Profit Margin | 0.18 | 0.23 | |
| Net Profit Margin | 0.21 | 0.12 | |
| Gross Profit Margin | 0.80 | 0.71 |
Pioneer Bancorp Quarterly Retained Earnings |
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Pioneer Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as Pioneer Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 25.2 M | |
| Quarterly Earnings Growth Y O Y | 0.842 |
Pioneer Bancorp Current Valuation Indicators
Pioneer Bancorp's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Pioneer Bancorp's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Pioneer Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Pioneer Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Pioneer Bancorp's worth.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.