Pioneer Bancorp Ratios (2018-2025) | PBFS

Ratios Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Mar2025
Profitability
Gross Margin 93.62%94.31%93.73%93.52%92.96%93.69%93.04%92.16%93.13%94.59%93.93%93.80%93.51%93.13%
EBT Margin 36.56%35.60%37.83%-55.35%-51.37%130.50%32.02%67.81%60.72%69.79%44.28%-102.87%56.74%225.86%14.02%92.79%197.96%222.77%237.11%198.37%123.86%96.07%166.47%137.47%214.55%203.15%
EBIT Margin 43.02%42.45%44.76%-47.69%-8.06%164.97%69.34%103.97%86.30%85.72%56.13%-89.76%-272.09%-84.42%-307.84%-296.08%-268.98%-283.58%-311.97%-371.19%-320.93%-283.46%-330.18%-319.05%-291.02%-306.52%
EBITDA Margin 43.02%42.45%44.76%-47.69%-8.06%164.97%69.34%103.97%86.30%85.72%56.13%-89.76%-272.09%-84.42%-307.84%-296.08%-268.98%-283.58%-311.97%-371.19%-320.93%-283.46%-330.18%-319.05%-291.02%-306.52%
Operating Margin -272.09%-84.42%-307.84%-296.08%-268.98%-283.58%-311.97%-371.19%-320.93%-283.46%-330.18%-319.05%-291.02%-306.52%
Net Margin 28.67%31.26%29.08%-40.32%-31.89%103.91%25.65%-81.62%49.87%54.00%36.27%-156.62%43.48%175.32%9.28%71.89%159.62%172.71%186.27%156.28%98.28%76.40%129.71%107.41%165.13%157.85%
FCF Margin 42.53%-0.55%-2.25%-13.63%-47.68%306.05%-568.25%374.62%-73.85%218.78%575.60%170.09%183.66%-12.89%696.00%647.22%241.23%66.01%70.38%460.09%346.91%-26.42%88.07%329.16%46.88%-133.96%
Leverage & Solvency
Interest Coverage Ratio 6.666.196.46-6.23-0.194.791.862.883.375.384.74-6.85-22.29-8.37-29.54-25.34-17.03-12.03-7.99-3.73-2.62-2.20-2.08-1.84-1.72-1.65
Times Interest Earned 6.666.196.46-6.23-0.194.791.862.883.375.384.74-6.85-22.29-8.37-29.54-25.34-17.03-12.03-7.99-3.73-2.62-2.20-2.08-1.84-1.72-1.65
Valuation
Enterprise Value 324.46M397.72M269.65M237.70M230.68M274.58M302.64M312.25M328.36M294.07M273.29M254.58M247.31M296.15M256.14M232.50M221.85M260.04M254.84M260.04M287.13M302.68M
Market Capitalization 324.46M397.72M269.65M237.70M230.68M274.58M302.64M312.25M328.36M294.07M273.29M254.58M247.31M296.15M256.14M232.50M221.85M260.04M254.84M260.04M287.13M302.68M
Return Ratios
Return on Sales 0.11%0.04%0.02%-0.11%0.14%0.33%0.18%0.21%-0.01%-0.01%0.31%0.24%0.78%1.06%1.05%1.48%1.69%1.53%1.24%1.12%1.02%1.19%1.40%