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Pioneer Bancorp Inc
NASDAQ:PBFS

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Pioneer Bancorp Inc Logo
Pioneer Bancorp Inc
NASDAQ:PBFS
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Price: 14.97 USD 0.13% Market Closed
Market Cap: $375.4m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
-61%
5Y
+2 092%
10Y
-
Investing Cash Flow
+
3Y
-10%
5Y
-138%
10Y
-
Financing Cash Flow
+
3Y
+175%
5Y
+24%
10Y
-

Cash Flow Statement
Pioneer Bancorp Inc

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Cash Flow Statement
Currency: USD
Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
16
17
18
19
2
1
(3)
(7)
8
6
6
1
1
5
4
10
14
14
20
22
20
17
16
15
18
10
19
22
20
Depreciation & Amortization
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
1
2
2
2
Change in Deffered Taxes
3
0
0
(0)
(1)
(1)
(2)
(3)
(3)
(3)
(2)
(1)
(1)
(0)
(0)
1
1
0
1
1
1
0
(0)
(0)
1
0
0
(1)
(3)
Stock-Based Compensation
0
0
0
0
0
1
1
1
1
1
0
1
1
1
1
1
1
1
1
1
1
0
0
1
1
0
2
2
1
Other Non-Cash Items
(0)
0
0
(0)
5
5
5
5
0
1
1
1
2
2
2
2
2
1
1
0
0
(0)
(1)
(1)
(0)
1
0
(1)
(2)
Cash Taxes Paid
5
4
4
5
6
4
4
2
0
1
1
2
3
3
3
2
2
3
3
5
5
6
6
5
5
3
5
6
8
Cash Interest Paid
4
4
4
4
5
5
5
5
4
3
3
2
2
2
1
1
2
2
3
5
9
14
18
22
24
13
27
27
29
Change in Working Capital
9
(4)
(10)
(16)
(11)
2
(12)
4
(6)
(9)
29
29
36
23
25
34
33
36
10
1
7
8
11
7
(7)
5
(0)
(4)
3
Cash from Operating Activities
30
N/A
16
-47%
11
-31%
6
-44%
(2)
N/A
9
N/A
(9)
N/A
2
N/A
1
-54%
(3)
N/A
37
N/A
33
-11%
41
+24%
33
-19%
34
+4%
50
+47%
52
+4%
54
+5%
34
-38%
26
-23%
31
+17%
27
-11%
28
+4%
24
-16%
13
-44%
17
+27%
22
+33%
18
-18%
20
+11%
Investing Cash Flow
Capital Expenditures
(9)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(0)
(0)
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(3)
(3)
Other Items
(133)
(99)
(71)
(76)
(29)
(49)
(65)
(108)
(93)
(87)
(174)
(125)
(146)
(135)
(74)
(147)
(202)
(216)
(207)
(114)
(76)
(19)
(11)
(17)
(38)
(155)
(194)
(243)
(220)
Cash from Investing Activities
(141)
N/A
(101)
+28%
(73)
+28%
(78)
-7%
(31)
+60%
(52)
-64%
(67)
-30%
(109)
-64%
(94)
+14%
(88)
+6%
(175)
-98%
(125)
+28%
(147)
-18%
(136)
+8%
(75)
+45%
(148)
-98%
(203)
-37%
(216)
-7%
(207)
+4%
(115)
+45%
(77)
+33%
(20)
+74%
(12)
+41%
(18)
-55%
(38)
-113%
(156)
-306%
(197)
-26%
(245)
-25%
(223)
+9%
Financing Cash Flow
Net Issuance of Common Stock
0
0
0
0
95
95
95
95
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(1)
(2)
(3)
(6)
(8)
(13)
Net Issuance of Debt
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(0)
0
0
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
Other
219
26
61
182
(22)
5
14
(61)
166
173
277
261
323
256
177
149
75
(40)
(147)
(137)
(140)
(15)
85
10
36
74
73
192
219
Cash from Financing Activities
219
N/A
26
-88%
61
+134%
182
+196%
74
-59%
101
+37%
109
+9%
34
-69%
166
+386%
173
+4%
277
+60%
261
-6%
323
+24%
256
-21%
177
-31%
149
-16%
75
-50%
(40)
N/A
(147)
-268%
(137)
+7%
(140)
-2%
(15)
+89%
85
N/A
9
-89%
34
+276%
70
+110%
68
-4%
184
+172%
206
+12%
Change in Cash
Net Change in Cash
108
N/A
(59)
N/A
(1)
+99%
110
N/A
40
-63%
58
+45%
33
-43%
(73)
N/A
73
N/A
81
+11%
138
+71%
168
+21%
216
+29%
153
-29%
136
-11%
51
-62%
(76)
N/A
(202)
-167%
(320)
-58%
(226)
+29%
(186)
+17%
(8)
+96%
101
N/A
15
-86%
8
-43%
(69)
N/A
(107)
-56%
(43)
+60%
4
N/A

See Also

Summary
PBFS intrinsic value, competitors valuation, and company profile.
DCF Valuation
PBFS stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PBFS stock valuation using valuation multiples.
Wall Street Estimates
PBFS price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PBFS stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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