Financhill
Buy
76

PBFS Quote, Financials, Valuation and Earnings

Last price:
$13.93
Seasonality move :
-1.56%
Day range:
$13.59 - $13.75
52-week range:
$10.60 - $13.75
Dividend yield:
0%
P/E ratio:
20.80x
P/S ratio:
3.54x
P/B ratio:
1.11x
Volume:
7.6K
Avg. volume:
11.3K
1-year change:
15.08%
Market cap:
$349.4M
Revenue:
$44.3M
EPS (TTM):
$0.67

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
PBFS
Pioneer Bancorp, Inc. (New York)
-- -- -- -- --
AFBI
Affinity Bancshares, Inc.
-- -- -- -- --
BHB
Bar Harbor Bankshares
$41.4M $0.83 -24.74% 22.79% $34.50
OPHC
OptimumBank Holdings, Inc.
-- -- -- -- $5.00
PRK
Park National Corp.
$140.1M $2.74 -13.63% 18.03% $180.33
TMP
Tompkins Financial Corp.
$87M $1.70 -24.04% 20.13% $77.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
PBFS
Pioneer Bancorp, Inc. (New York)
$13.93 -- $349.4M 20.80x $0.00 0% 3.54x
AFBI
Affinity Bancshares, Inc.
$20.00 -- $123.4M 17.23x $1.50 0% 2.51x
BHB
Bar Harbor Bankshares
$31.16 $34.50 $520M 13.43x $0.32 4.04% 2.08x
OPHC
OptimumBank Holdings, Inc.
$4.21 $5.00 $48.6M 3.67x $0.00 0% 0.91x
PRK
Park National Corp.
$164.39 $180.33 $2.6B 15.15x $2.32 2.6% 4.04x
TMP
Tompkins Financial Corp.
$72.56 $77.00 $1B 12.30x $0.65 3.46% 2.23x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
PBFS
Pioneer Bancorp, Inc. (New York)
-- 0.458 -- 0.00x
AFBI
Affinity Bancshares, Inc.
30.1% 0.517 44.21% 0.00x
BHB
Bar Harbor Bankshares
26.95% 0.833 37.81% 0.00x
OPHC
OptimumBank Holdings, Inc.
2.38% 0.312 5.84% 0.00x
PRK
Park National Corp.
6.69% 1.119 3.65% 0.00x
TMP
Tompkins Financial Corp.
39.99% 1.042 55.29% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
PBFS
Pioneer Bancorp, Inc. (New York)
-- $5.6M 7.41% 7.41% 42.66% $3.7M
AFBI
Affinity Bancshares, Inc.
-- $2.9M 4.14% 6% 59.72% $3.6M
BHB
Bar Harbor Bankshares
-- $10.8M 4.95% 7.61% 45.12% $18.1M
OPHC
OptimumBank Holdings, Inc.
-- $5.7M 12.2% 14.8% 59.75% $1.9M
PRK
Park National Corp.
-- $58.1M 11.44% 13.78% 50.75% $45.1M
TMP
Tompkins Financial Corp.
-- $31.1M 5.95% 11.34% 53.65% $33.9M

Pioneer Bancorp, Inc. (New York) vs. Competitors

  • Which has Higher Returns PBFS or AFBI?

    Affinity Bancshares, Inc. has a net margin of 13.49% compared to Pioneer Bancorp, Inc. (New York)'s net margin of 16.41%. Pioneer Bancorp, Inc. (New York)'s return on equity of 7.41% beat Affinity Bancshares, Inc.'s return on equity of 6%.

    Company Gross Margin Earnings Per Share Invested Capital
    PBFS
    Pioneer Bancorp, Inc. (New York)
    -- $0.18 $314.2M
    AFBI
    Affinity Bancshares, Inc.
    -- $0.34 $179.4M
  • What do Analysts Say About PBFS or AFBI?

    Pioneer Bancorp, Inc. (New York) has a consensus price target of --, signalling downside risk potential of --. On the other hand Affinity Bancshares, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Pioneer Bancorp, Inc. (New York) has higher upside potential than Affinity Bancshares, Inc., analysts believe Pioneer Bancorp, Inc. (New York) is more attractive than Affinity Bancshares, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    PBFS
    Pioneer Bancorp, Inc. (New York)
    0 0 0
    AFBI
    Affinity Bancshares, Inc.
    0 0 0
  • Is PBFS or AFBI More Risky?

    Pioneer Bancorp, Inc. (New York) has a beta of 0.451, which suggesting that the stock is 54.923% less volatile than S&P 500. In comparison Affinity Bancshares, Inc. has a beta of 0.220, suggesting its less volatile than the S&P 500 by 77.99%.

  • Which is a Better Dividend Stock PBFS or AFBI?

    Pioneer Bancorp, Inc. (New York) has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Affinity Bancshares, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $1.50 per share. Pioneer Bancorp, Inc. (New York) pays -- of its earnings as a dividend. Affinity Bancshares, Inc. pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios PBFS or AFBI?

    Pioneer Bancorp, Inc. (New York) quarterly revenues are $32.1M, which are larger than Affinity Bancshares, Inc. quarterly revenues of $13.5M. Pioneer Bancorp, Inc. (New York)'s net income of $4.3M is higher than Affinity Bancshares, Inc.'s net income of $2.2M. Notably, Pioneer Bancorp, Inc. (New York)'s price-to-earnings ratio is 20.80x while Affinity Bancshares, Inc.'s PE ratio is 17.23x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Pioneer Bancorp, Inc. (New York) is 3.54x versus 2.51x for Affinity Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PBFS
    Pioneer Bancorp, Inc. (New York)
    3.54x 20.80x $32.1M $4.3M
    AFBI
    Affinity Bancshares, Inc.
    2.51x 17.23x $13.5M $2.2M
  • Which has Higher Returns PBFS or BHB?

    Bar Harbor Bankshares has a net margin of 13.49% compared to Pioneer Bancorp, Inc. (New York)'s net margin of 13.32%. Pioneer Bancorp, Inc. (New York)'s return on equity of 7.41% beat Bar Harbor Bankshares's return on equity of 7.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    PBFS
    Pioneer Bancorp, Inc. (New York)
    -- $0.18 $314.2M
    BHB
    Bar Harbor Bankshares
    -- $0.54 $713.1M
  • What do Analysts Say About PBFS or BHB?

    Pioneer Bancorp, Inc. (New York) has a consensus price target of --, signalling downside risk potential of --. On the other hand Bar Harbor Bankshares has an analysts' consensus of $34.50 which suggests that it could grow by 10.72%. Given that Bar Harbor Bankshares has higher upside potential than Pioneer Bancorp, Inc. (New York), analysts believe Bar Harbor Bankshares is more attractive than Pioneer Bancorp, Inc. (New York).

    Company Buy Ratings Hold Ratings Sell Ratings
    PBFS
    Pioneer Bancorp, Inc. (New York)
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is PBFS or BHB More Risky?

    Pioneer Bancorp, Inc. (New York) has a beta of 0.451, which suggesting that the stock is 54.923% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.574%.

  • Which is a Better Dividend Stock PBFS or BHB?

    Pioneer Bancorp, Inc. (New York) has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Bar Harbor Bankshares offers a yield of 4.04% to investors and pays a quarterly dividend of $0.32 per share. Pioneer Bancorp, Inc. (New York) pays -- of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% of its earnings as a dividend. Bar Harbor Bankshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios PBFS or BHB?

    Pioneer Bancorp, Inc. (New York) quarterly revenues are $32.1M, which are smaller than Bar Harbor Bankshares quarterly revenues of $66.5M. Pioneer Bancorp, Inc. (New York)'s net income of $4.3M is lower than Bar Harbor Bankshares's net income of $8.9M. Notably, Pioneer Bancorp, Inc. (New York)'s price-to-earnings ratio is 20.80x while Bar Harbor Bankshares's PE ratio is 13.43x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Pioneer Bancorp, Inc. (New York) is 3.54x versus 2.08x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PBFS
    Pioneer Bancorp, Inc. (New York)
    3.54x 20.80x $32.1M $4.3M
    BHB
    Bar Harbor Bankshares
    2.08x 13.43x $66.5M $8.9M
  • Which has Higher Returns PBFS or OPHC?

    OptimumBank Holdings, Inc. has a net margin of 13.49% compared to Pioneer Bancorp, Inc. (New York)'s net margin of 23.62%. Pioneer Bancorp, Inc. (New York)'s return on equity of 7.41% beat OptimumBank Holdings, Inc.'s return on equity of 14.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    PBFS
    Pioneer Bancorp, Inc. (New York)
    -- $0.18 $314.2M
    OPHC
    OptimumBank Holdings, Inc.
    -- $0.18 $119.7M
  • What do Analysts Say About PBFS or OPHC?

    Pioneer Bancorp, Inc. (New York) has a consensus price target of --, signalling downside risk potential of --. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 18.77%. Given that OptimumBank Holdings, Inc. has higher upside potential than Pioneer Bancorp, Inc. (New York), analysts believe OptimumBank Holdings, Inc. is more attractive than Pioneer Bancorp, Inc. (New York).

    Company Buy Ratings Hold Ratings Sell Ratings
    PBFS
    Pioneer Bancorp, Inc. (New York)
    0 0 0
    OPHC
    OptimumBank Holdings, Inc.
    0 1 0
  • Is PBFS or OPHC More Risky?

    Pioneer Bancorp, Inc. (New York) has a beta of 0.451, which suggesting that the stock is 54.923% less volatile than S&P 500. In comparison OptimumBank Holdings, Inc. has a beta of 0.287, suggesting its less volatile than the S&P 500 by 71.332%.

  • Which is a Better Dividend Stock PBFS or OPHC?

    Pioneer Bancorp, Inc. (New York) has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Pioneer Bancorp, Inc. (New York) pays -- of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios PBFS or OPHC?

    Pioneer Bancorp, Inc. (New York) quarterly revenues are $32.1M, which are larger than OptimumBank Holdings, Inc. quarterly revenues of $18.3M. Pioneer Bancorp, Inc. (New York)'s net income of $4.3M is higher than OptimumBank Holdings, Inc.'s net income of $4.3M. Notably, Pioneer Bancorp, Inc. (New York)'s price-to-earnings ratio is 20.80x while OptimumBank Holdings, Inc.'s PE ratio is 3.67x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Pioneer Bancorp, Inc. (New York) is 3.54x versus 0.91x for OptimumBank Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PBFS
    Pioneer Bancorp, Inc. (New York)
    3.54x 20.80x $32.1M $4.3M
    OPHC
    OptimumBank Holdings, Inc.
    0.91x 3.67x $18.3M $4.3M
  • Which has Higher Returns PBFS or PRK?

    Park National Corp. has a net margin of 13.49% compared to Pioneer Bancorp, Inc. (New York)'s net margin of 27.82%. Pioneer Bancorp, Inc. (New York)'s return on equity of 7.41% beat Park National Corp.'s return on equity of 13.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    PBFS
    Pioneer Bancorp, Inc. (New York)
    -- $0.18 $314.2M
    PRK
    Park National Corp.
    -- $2.92 $1.4B
  • What do Analysts Say About PBFS or PRK?

    Pioneer Bancorp, Inc. (New York) has a consensus price target of --, signalling downside risk potential of --. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 13.37%. Given that Park National Corp. has higher upside potential than Pioneer Bancorp, Inc. (New York), analysts believe Park National Corp. is more attractive than Pioneer Bancorp, Inc. (New York).

    Company Buy Ratings Hold Ratings Sell Ratings
    PBFS
    Pioneer Bancorp, Inc. (New York)
    0 0 0
    PRK
    Park National Corp.
    0 4 0
  • Is PBFS or PRK More Risky?

    Pioneer Bancorp, Inc. (New York) has a beta of 0.451, which suggesting that the stock is 54.923% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.

  • Which is a Better Dividend Stock PBFS or PRK?

    Pioneer Bancorp, Inc. (New York) has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Park National Corp. offers a yield of 2.6% to investors and pays a quarterly dividend of $2.32 per share. Pioneer Bancorp, Inc. (New York) pays -- of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Park National Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios PBFS or PRK?

    Pioneer Bancorp, Inc. (New York) quarterly revenues are $32.1M, which are smaller than Park National Corp. quarterly revenues of $169.5M. Pioneer Bancorp, Inc. (New York)'s net income of $4.3M is lower than Park National Corp.'s net income of $47.2M. Notably, Pioneer Bancorp, Inc. (New York)'s price-to-earnings ratio is 20.80x while Park National Corp.'s PE ratio is 15.15x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Pioneer Bancorp, Inc. (New York) is 3.54x versus 4.04x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PBFS
    Pioneer Bancorp, Inc. (New York)
    3.54x 20.80x $32.1M $4.3M
    PRK
    Park National Corp.
    4.04x 15.15x $169.5M $47.2M
  • Which has Higher Returns PBFS or TMP?

    Tompkins Financial Corp. has a net margin of 13.49% compared to Pioneer Bancorp, Inc. (New York)'s net margin of 19.46%. Pioneer Bancorp, Inc. (New York)'s return on equity of 7.41% beat Tompkins Financial Corp.'s return on equity of 11.34%.

    Company Gross Margin Earnings Per Share Invested Capital
    PBFS
    Pioneer Bancorp, Inc. (New York)
    -- $0.18 $314.2M
    TMP
    Tompkins Financial Corp.
    -- $1.65 $1.3B
  • What do Analysts Say About PBFS or TMP?

    Pioneer Bancorp, Inc. (New York) has a consensus price target of --, signalling downside risk potential of --. On the other hand Tompkins Financial Corp. has an analysts' consensus of $77.00 which suggests that it could grow by 6.12%. Given that Tompkins Financial Corp. has higher upside potential than Pioneer Bancorp, Inc. (New York), analysts believe Tompkins Financial Corp. is more attractive than Pioneer Bancorp, Inc. (New York).

    Company Buy Ratings Hold Ratings Sell Ratings
    PBFS
    Pioneer Bancorp, Inc. (New York)
    0 0 0
    TMP
    Tompkins Financial Corp.
    0 1 0
  • Is PBFS or TMP More Risky?

    Pioneer Bancorp, Inc. (New York) has a beta of 0.451, which suggesting that the stock is 54.923% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.

  • Which is a Better Dividend Stock PBFS or TMP?

    Pioneer Bancorp, Inc. (New York) has a quarterly dividend of $0.00 per share corresponding to a yield of 0%. Tompkins Financial Corp. offers a yield of 3.46% to investors and pays a quarterly dividend of $0.65 per share. Pioneer Bancorp, Inc. (New York) pays -- of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Tompkins Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios PBFS or TMP?

    Pioneer Bancorp, Inc. (New York) quarterly revenues are $32.1M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. Pioneer Bancorp, Inc. (New York)'s net income of $4.3M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, Pioneer Bancorp, Inc. (New York)'s price-to-earnings ratio is 20.80x while Tompkins Financial Corp.'s PE ratio is 12.30x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Pioneer Bancorp, Inc. (New York) is 3.54x versus 2.23x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PBFS
    Pioneer Bancorp, Inc. (New York)
    3.54x 20.80x $32.1M $4.3M
    TMP
    Tompkins Financial Corp.
    2.23x 12.30x $121.7M $23.7M

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