ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Pioneer Bancorp, Inc. (New York) ?
1
High Profitability with a Net Interest Margin of 10.55%
2
The Bank has a high Capital Adequacy Ratio of 18.00% signifying high buffers against its risk based assets
3
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 18.00%
4
Positive results in Jun 26
- NII(Q) Highest at USD 22.85 MM
- OPERATING CASH FLOW(Y) Highest at USD 46.11 MM
- GROSS NPA (%)(Q) Lowest at 0.48%
5
With ROA of 0.59%, it has a fair valuation with a 1.09 Price to Book Value
- Over the past year, while the stock has generated a return of 31.20%, its profits have risen by 45% ; the PEG ratio of the company is 0.3
6
High Institutional Holdings at 27.82%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.87% over the previous quarter.
7
Market Beating Performance
- The stock has generated a return of 31.20% in the last 1 year, much higher than market (S&P 500) returns of 15.76%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Pioneer Bancorp, Inc. (New York) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Pioneer Bancorp, Inc. (New York) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Pioneer Bancorp, Inc. (New York)
30.21%
2.56
24.36%
S&P 500
16.06%
1.20
13.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.23%
EBIT Growth (5y)
4.95%
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
25.95%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.09
EV to EBIT
9.89
EV to EBITDA
9.23
EV to Capital Employed
1.12
EV to Sales
2.40
PEG Ratio
0.32
Dividend Yield
NA
ROCE (Latest)
11.37%
ROE (Latest)
6.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at USD 22.85 MM
OPERATING CASH FLOW(Y)
Highest at USD 46.11 MM
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at USD 121.51 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 95.85%
NET SALES(Q)
Highest at USD 31.87 MM
-12What is not working for the Company
INTEREST(9M)
At USD 24.78 MM has Grown at 74.96%
OPERATING PROFIT(Q)
Lowest at USD 4.79 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 15.01 %
PRE-TAX PROFIT(Q)
Lowest at USD 4.79 MM
NET PROFIT(Q)
Lowest at USD 3.48 MM
EPS(Q)
Lowest at USD 0.14
Here's what is working for Pioneer Bancorp, Inc. (New York)
NII
Highest at USD 22.85 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.48%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at USD 46.11 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 31.87 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 121.51 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 95.85%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at USD 1.07 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 1.07 MM has Grown at 76.81%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Pioneer Bancorp, Inc. (New York)
Interest
At USD 24.78 MM has Grown at 74.96%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Net Profit
At USD 3.48 MM has Fallen at -34.32%
over average net sales of the previous four periods of USD 5.3 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Profit
Lowest at USD 4.79 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 15.01 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 4.79 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 4.79 MM has Fallen at -28.52%
over average net sales of the previous four periods of USD 6.69 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 3.48 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.14
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
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