PBFS Financial Statements

Balance sheet, income statement, cash flow, and dividends for Pioneer Bancorp Inc (PBFS).


$260.04M Market Cap.

As of 09/26/2024 5:00 PM ET (MRY) • Disclaimer

PBFS Market Cap. (MRY)


PBFS Shares Outstanding (MRY)


PBFS Assets (MRY)


Total Assets

$1.90B

Total Liabilities

$1.60B

Total Investments

$1.63B

PBFS Income (MRY)


Revenue

$80.14M

Net Income

$15.26M

Operating Expense

$60.73M

PBFS Cash Flow (MRY)


CF Operations

$23.85M

CF Investing

-$18.05M

CF Financing

$8.91M

PBFS Dividends (MRY)


Period

Dividends

Yield %

Growth %

Payout Ratio

Coverage Ratio

2024

$0

0%

0%

0%

-

2023

$0

0%

0%

0%

-

2022

$0

0%

0%

0%

-

2021

$0

0%

0%

0%

-

2020

$0

0%

-

0%

-

PBFS Balance Sheet (MRY)


Metric

2024

2023

2022

2021

Total Assets

$1,895,404,000 (2.11%)

$1,856,191,000 (-5.50%)

$1,964,229,000 (9.35%)

$1,796,252,000 (17.68%)

Assets Current

-

-

-

-

Assets Non-Current

-

-

-

-

Goodwill & Intangible Assets

$13,830,000 (26.94%)

$10,895,000 (-3.52%)

$11,293,000 (23.62%)

$9,135,000 (-3.34%)

Shareholders Equity

$296,528,000 (11.18%)

$266,700,000 (9.92%)

$242,627,000 (2.02%)

$237,822,000 (6.19%)

Property Plant & Equipment Net

$40,105,000 (-3.63%)

$41,617,000 (9.47%)

$38,018,000 (-2.31%)

$38,918,000 (-4.76%)

Cash & Equivalents

$165,190,000 (9.78%)

$150,478,000 (-59.99%)

$376,060,000 (15.72%)

$324,963,000 (107.11%)

Accumulated Other Comprehensive Income

$4,942,000 (151.65%)

-$9,568,000 (14.42%)

-$11,180,000 (-118.15%)

-$5,125,000 (70.50%)

Deferred Revenue

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Total Investments

$1,630,114,000 (1.67%)

$1,603,394,000 (7.51%)

$1,491,438,000 (9.55%)

$1,361,373,000 (9.74%)

Investments Current

-

-

-

-

Investments Non-Current

-

-

-

-

Inventory

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Trade & Non-Trade Receivables

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Trade & Non-Trade Payables

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Accumulated Retained Earnings (Deficit)

$187,731,000 (8.49%)

$173,038,000 (14.53%)

$151,090,000 (7.30%)

$140,811,000 (0.77%)

Tax Assets

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Tax Liabilities

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Total Debt

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Debt Current

-

-

-

-

Debt Non-Current

-

-

-

-

Total Liabilities

$1,598,876,000 (0.59%)

$1,589,491,000 (-7.67%)

$1,721,602,000 (10.47%)

$1,558,430,000 (19.65%)

Liabilities Current

-

-

-

-

Liabilities Non-Current

-

-

-

-

PBFS Income Statement (MRY)


Metric

2024

2023

2022

2021

Revenues

$80,143,000 (0.57%)

$79,689,000 (39.80%)

$57,002,000 (6.51%)

$53,517,000 (-7.22%)

Cost of Revenue

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Selling General & Administrative Expense

$41,969,000 (4.78%)

$40,056,000 (6.22%)

$37,710,000 (1.59%)

$37,118,000 (5.95%)

Research & Development Expense

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Operating Expenses

$60,734,000 (17.17%)

$51,834,000 (18.71%)

$43,664,000 (-14.14%)

$50,857,000 (-1.60%)

Interest Expense

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Income Tax Expense

$4,149,000 (-29.76%)

$5,907,000 (93.10%)

$3,059,000 (93.24%)

$1,583,000 (98.62%)

Net Loss Income from Discontinued Operations

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Consolidated Income

$15,260,000 (-30.47%)

$21,948,000 (113.52%)

$10,279,000 (854.41%)

$1,077,000 (-79.28%)

Net Income to Non-Controlling Interests

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Net Income

$15,260,000 (-30.47%)

$21,948,000 (113.52%)

$10,279,000 (854.41%)

$1,077,000 (-79.28%)

Preferred Dividends Income Statement Impact

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Net Income Common Stock

$15,260,000 (-30.47%)

$21,948,000 (113.52%)

$10,279,000 (854.41%)

$1,077,000 (-79.28%)

Weighted Average Shares

$25,193,848 (0.10%)

$25,169,382 (0.15%)

$25,131,195 (0.25%)

$25,067,550 (0.22%)

Weighted Average Shares Diluted

$25,223,114 (0.21%)

$25,169,382 (0.15%)

$25,131,195 (0.25%)

$25,067,550 (0.22%)

Earning Before Interest & Taxes (EBIT)

$19,409,000 (-30.32%)

$27,855,000 (108.84%)

$13,338,000 (401.43%)

$2,660,000 (-55.63%)

Gross Profit

$80,143,000 (0.57%)

$79,689,000 (39.80%)

$57,002,000 (6.51%)

$53,517,000 (-7.22%)

Operating Income

$19,409,000 (-30.32%)

$27,855,000 (108.84%)

$13,338,000 (401.43%)

$2,660,000 (-55.63%)

PBFS Cash Flow Statement (MRY)


Metric

2024

2023

2022

2021

Net Cash Flow from Investing

-$18,048,000 (84.29%)

-$114,873,000 (22.40%)

-$148,032,000 (-18.33%)

-$125,106,000 (-14.28%)

Net Cash Flow from Financing

$8,913,000 (106.51%)

-$136,978,000 (-191.83%)

$149,162,000 (-42.74%)

$260,513,000 (660.78%)

Net Cash Flow from Operations

$23,847,000 (-9.22%)

$26,269,000 (-47.43%)

$49,967,000 (53.02%)

$32,653,000 (1512.49%)

Net Cash Flow / Change in Cash & Cash Equivalents

$14,712,000 (106.52%)

-$225,582,000 (-541.48%)

$51,097,000 (-69.60%)

$168,060,000 (329.57%)

Net Cash Flow - Business Acquisitions and Disposals

-$1,980,000 (0%)

$0 (0%)

-$1,657,000 (0%)

$0 (0%)

Net Cash Flow - Investment Acquisitions and Disposals

-$15,230,000 (86.82%)

-$115,565,000 (21.27%)

-$146,785,000 (-17.73%)

-$124,675,000 (-14.33%)

Capital Expenditure

-$838,000 (-85.81%)

-$451,000 (-210.00%)

$410,000 (195.13%)

-$431,000 (72.46%)

Issuance (Repayment) of Debt Securities

-$102,000 (10.53%)

-$114,000 (0%)

$0 (0%)

$0 (0%)

Issuance (Purchase) of Equity Shares

-$1,075,000 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Payment of Dividends & Other Cash Distributions

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Effect of Exchange Rate Changes on Cash

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Share Based Compensation

$626,000 (22.03%)

$513,000 (-11.70%)

$581,000 (8.80%)

$534,000 (-46.33%)

Depreciation Amortization & Accretion

$2,596,000 (-3.78%)

$2,698,000 (-1.68%)

$2,744,000 (-3.96%)

$2,857,000 (-1.69%)

PBFS Financial Metrics (MRY)


Metric

2024

2023

2022

2021

Gross Margin

100.00% (0.00%)

100.00% (0.00%)

100.00% (0.00%)

100.00% (0.00%)

Profit Margin

19.00% (-30.91%)

27.50% (52.78%)

18.00% (800.00%)

2.00% (-77.78%)

EBITDA Margin

27.50% (-28.20%)

38.30% (35.82%)

28.20% (173.79%)

10.30% (-33.12%)

Return on Average Equity (ROAE)

5.30% (-38.37%)

8.60% (100.00%)

4.30% (760.00%)

0.50% (-78.26%)

Return on Average Assets (ROAA)

0.80% (-33.33%)

1.20% (140.00%)

0.50% (400.00%)

0.10% (-75.00%)

Return on Sales (ROS)

24.20% (-30.86%)

35.00% (49.57%)

23.40% (368.00%)

5.00% (-51.92%)

Return on Invested Capital (ROIC)

1.10% (-35.29%)

1.70% (88.89%)

0.90% (350.00%)

0.20% (-60.00%)

Dividend Yield

0% (0%)

0% (0%)

0% (0%)

0% (0%)

Price to Earnings Ratio (P/E)

16.41 (59.52%)

10.29 (-56.96%)

23.9 (-92.05%)

300.5 (589.68%)

Price to Sales Ratio (P/S)

3.15 (11.32%)

2.83 (-34.58%)

4.32 (-23.25%)

5.63 (41.89%)

Price to Book Ratio (P/B)

0.88 (0.57%)

0.87 (-16.87%)

1.05 (-20.11%)

1.31 (23.75%)

Debt to Equity Ratio (D/E)

5.39 (-9.53%)

5.96 (-16.01%)

7.1 (8.29%)

6.55 (12.69%)

Earnings Per Share (EPS)

0.61 (-29.89%)

0.87 (112.20%)

0.41 (925.00%)

0.04 (-80.95%)

Sales Per Share (SPS)

3.18 (0.47%)

3.17 (39.59%)

2.27 (6.23%)

2.13 (-7.42%)

Free Cash Flow Per Share (FCFPS)

0.91 (-11.01%)

1.03 (-48.83%)

2 (56.03%)

1.28 (7038.89%)

Book Value Per Share (BVPS)

11.77 (11.08%)

10.6 (9.76%)

9.65 (1.76%)

9.49 (5.95%)

Tangible Assets Book Value Per Share (TABVPS)

74.68 (1.87%)

73.31 (-5.66%)

77.71 (9.00%)

71.29 (17.55%)

Enterprise Value Over EBIT (EV/EBIT)

1 (-66.67%)

3 (118.75%)

-16 (-166.67%)

-6 (-154.55%)

Enterprise Value Over EBITDA (EV/EBITDA)

0.61 (-78.58%)

2.86 (121.90%)

-13.07 (-342.30%)

-2.96 (-138.97%)

Asset Turnover

0.04 (0.00%)

0.04 (44.83%)

0.03 (-9.37%)

0.03 (-17.95%)

Current Ratio

-

-

-

-

Dividends

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Free Cash Flow (FCF)

$23,009,000 (-10.88%)

$25,818,000 (-48.75%)

$50,377,000 (56.34%)

$32,222,000 (6904.78%)

Enterprise Value (EV)

$13,495,567 (-84.57%)

$87,442,227 (141.60%)

-$210,184,746 (-1189.06%)

-$16,305,298 (-124.16%)

Earnings Before Tax (EBT)

$19,409,000 (-30.32%)

$27,855,000 (108.84%)

$13,338,000 (401.43%)

$2,660,000 (-55.63%)

Earnings Before Interest Taxes & Depreciation Amortization (EBITDA)

$22,005,000 (-27.98%)

$30,553,000 (89.98%)

$16,082,000 (191.50%)

$5,517,000 (-38.02%)

Invested Capital

$1,716,384,000 (1.27%)

$1,694,818,000 (7.48%)

$1,576,876,000 (7.85%)

$1,462,154,000 (7.51%)

Working Capital

-

-

-

-

Tangible Asset Value

$1,881,574,000 (1.97%)

$1,845,296,000 (-5.51%)

$1,952,936,000 (9.28%)

$1,787,117,000 (17.81%)

Market Capitalization

$260,036,567 (11.84%)

$232,500,227 (-8.67%)

$254,581,254 (-18.47%)

$312,251,702 (31.37%)

Average Equity

$285,262,750 (12.09%)

$254,501,000 (5.73%)

$240,717,000 (4.74%)

$229,825,000 (1.66%)

Average Assets

$1,923,383,000 (0.90%)

$1,906,149,500 (-1.61%)

$1,937,302,000 (14.16%)

$1,696,969,250 (15.68%)

Invested Capital Average

$1,717,376,500 (2.00%)

$1,683,677,000 (11.54%)

$1,509,427,250 (7.07%)

$1,409,795,500 (8.26%)

Shares

25,977,679 (0.00%)

25,977,679 (0.00%)

25,977,679 (0.00%)

25,977,679 (0.00%)