` Comparison: PBFS vs FNMA - Alpha Spread

PBFS
vs
FNMA

Over the past 12 months, PBFS has outperformed FNMA, delivering a return of +19% compared to the FNMA's +11% growth.

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PBFS
FNMA
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Valuation Comparison

PBFS Intrinsic Value
8.68 USD
Overvaluation 38%
Intrinsic Value
Price
FNMA Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pioneer Bancorp Inc
NASDAQ:PBFS
14.11 USD
Federal National Mortgage Association
OTC:FNMA
7.07 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PBFS, FNMA

PBFS
FNMA
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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
Federal National Mortgage Association
Revenue

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

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Profitability Comparison

Free Cash Flow
PBFS, FNMA

PBFS
FNMA
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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
Federal National Mortgage Association
OTC:FNMA
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What is Free Cash Flow?

Gross Margin

PBFS
FNMA
15.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Federal National Mortgage Association

Operating Margin

PBFS
FNMA
11.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Federal National Mortgage Association

Net Margin

PBFS
21.2%
FNMA
0%

FCF Margin

PBFS
FNMA
15.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Federal National Mortgage Association

ROE

PBFS
6.4%
FNMA
0%

ROA

PBFS
0.9%
FNMA
0%

ROIC

PBFS
FNMA
0.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Federal National Mortgage Association

ROCE

PBFS
FNMA
0.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Pioneer Bancorp Inc
Not applicable for financial companies
Federal National Mortgage Association

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PBFS, FNMA

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Performance Gap
PBFS, FNMA

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PBFS
FNMA
Difference
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Performance By Year
PBFS, FNMA

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PBFS
FNMA
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett