PBFS: Pioneer Bancorp Inc Financial Statements
Balance sheet, income statement, and cash flow statements for Pioneer Bancorp Inc (PBFS).
$260.04M Market Cap.
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 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%) |
