` Comparison: PBFS, RKT - Alpha Spread

PBFS
vs
RKT

Over the past 12 months, PBFS has underperformed RKT, delivering a return of +28% compared to the RKT's +73% growth.

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PBFS
RKT
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Valuation Comparison

PBFS Intrinsic Value
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RKT Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pioneer Bancorp Inc
NASDAQ:PBFS
14.63 USD
Rocket Companies Inc
NYSE:RKT
19.23 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
PBFS, RKT

PBFS
RKT
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Pioneer Bancorp Inc
Revenue
Rocket Companies Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PBFS, RKT

PBFS
RKT
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Pioneer Bancorp Inc
NASDAQ:PBFS
FCF is not applicable for financial companies
Rocket Companies Inc
NYSE:RKT
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What is Free Cash Flow?

Gross Margin

PBFS
RKT
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Rocket Companies Inc

Operating Margin

PBFS
RKT
18.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Rocket Companies Inc

Net Margin

PBFS
21.2%
RKT
-1.7%

FCF Margin

PBFS
RKT
-15.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Rocket Companies Inc

ROE

PBFS
6.4%
RKT
-2.2%

ROA

PBFS
0.9%
RKT
-0.4%

ROIC

PBFS
RKT
5.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Rocket Companies Inc

ROCE

PBFS
RKT
6.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Rocket Companies Inc

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PBFS, RKT

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PBFS
RKT
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Performance Gap
PBFS, RKT

Performance Gap Between PBFS and RKT
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Performance By Year
PBFS, RKT

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PBFS
RKT
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