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Pioneer Bancorp, Inc. (New York)

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US7235611065
USD
13.52
0.26 (1.96%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
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Fidelity D&D Bancorp, Inc.
Orange County Bancorp, Inc.
First Business Financial Services, Inc.
Unity Bancorp, Inc.
Civista Bancshares, Inc.
RBB Bancorp
Citizens Financial Services, Inc.
Farmers & Merchants Bancorp, Inc. (Ohio)
BayCom Corp.
Pioneer Bancorp, Inc. (New York)
Why is Pioneer Bancorp, Inc. (New York) ?
1
With ROA of 0.62%, it has a fair valuation with a 0.99 Price to Book Value
  • Over the past year, while the stock has generated a return of 13.25%, its profits have risen by 44% ; the PEG ratio of the company is 0.4
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Pioneer Bancorp, Inc. (New York) for you?

Low Risk, High Return

Absolute
Risk Adjusted
Volatility
Pioneer Bancorp, Inc. (New York)
14.58%
1.23
20.29%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
7.61%
EBIT Growth (5y)
10.12%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
26.11%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
0.99
EV to EBIT
8.69
EV to EBITDA
7.91
EV to Capital Employed
0.98
EV to Sales
2.21
PEG Ratio
0.44
Dividend Yield
NA
ROCE (Latest)
11.22%
ROE (Latest)
5.15%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company
CREDIT DEPOSIT RATIO(HY)

Highest at 89.39%

OPERATING PROFIT(Q)

Highest at USD 8.14 MM

PRE-TAX PROFIT(Q)

At USD 8.14 MM has Grown at 57.67%

NET PROFIT(Q)

Highest at USD 6.45 MM

EPS(Q)

Highest at USD 0.26

-13What is not working for the Company
NET SALES(HY)

At USD 27.01 MM has Grown at -42.14%

OPERATING CASH FLOW(Y)

Lowest at USD 0.62 MM

NET PROFIT(HY)

At USD 6.45 MM has Grown at -25.41%

CASH AND EQV(HY)

Lowest at USD 29.59 MM

Here's what is working for Pioneer Bancorp, Inc. (New York)
Operating Profit
Highest at USD 8.14 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit
At USD 8.14 MM has Grown at 57.67%
over average net sales of the previous four periods of USD 5.16 MM
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit
Highest at USD 6.45 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit
At USD 6.45 MM has Grown at 61.26%
over average net sales of the previous four periods of USD 4 MM
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

EPS
Highest at USD 0.26
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio
Highest at 89.39%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Pioneer Bancorp, Inc. (New York)
Net Sales
At USD 27.01 MM has Grown at -42.14%
Year on Year (YoY)
MOJO Watch
Near term sales trend is very negative

Net Sales (USD MM)

Operating Cash Flow
Lowest at USD 0.62 MM
in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Cash and Eqv
Lowest at USD 29.59 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

Capital Adequacy Ratio
Lowest at 17.28%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is deteriorating.

CAR (%)

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