Pioneer Bancorp, Inc. carries no debt; cash flow comfortably covers obligations.

Pioneer Bancorp, Inc.'s free cash flow has decreased 61.75% from $23.01M last year to $8.80M, signaling decreasing performance

Pioneer Bancorp, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Pioneer Bancorp, Inc. has insufficient data to evaluate this check.

Pioneer Bancorp, Inc. has a net cash position, so leverage is healthy.

Pioneer Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Pioneer Bancorp, Inc.'s profit margin has decreased (26.50%) in the last year from 21.79% to 16.02%, signaling decreasing performance

Pioneer Bancorp, Inc.'s short-term liabilities of $1.75B exceed its short-term assets of $194.13M, signaling financial risk

Pioneer Bancorp, Inc.'s return on assets of 0.91% is lower than the 5.00% threshold, indicating inefficient asset utilization

Pioneer Bancorp, Inc.'s return on equity of 6.29%, is lower than 15.00%, indicating bad performance

Pioneer Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Pioneer Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Pioneer Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Pioneer Bancorp, Inc. has a free cash flow yield of 2.05%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Pioneer Bancorp, Inc.'s yearly earnings has increased 5.66% since last year from $19.20M to $20.29M, signaling increasing performance

Pioneer Bancorp, Inc.'s yearly revenue has increased 28.34% since last year from $98.70M to $126.67M, signaling increasing performance

ROIC 5.61% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Pioneer Bancorp, Inc.'s 3-year revenue CAGR of 14.14% is positive, indicating growing revenue over the past 3 years

Pioneer Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Pioneer Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Pioneer Bancorp, Inc. is undervalued relative to its fair value price of 27.56 based on Discounted Cash Flow model

Pioneer Bancorp, Inc. has an earnings yield of 4.92%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Pioneer Bancorp, Inc. is overvalued relative to its fair value price of 4.77 based on EBITDA multiple model

Pioneer Bancorp, Inc. has an EV/EBITDA ratio of 8.60x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Pioneer Bancorp, Inc. is undervalued relative to its fair value price of 22.87 based on Earnings Fair Value model

Pioneer Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Pioneer Bancorp, Inc. has a price-to-book ratio of 1.26x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Pioneer Bancorp, Inc. has a price-to-sales ratio of 3.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue