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 Mar 26
- NET SALES(HY) At USD 56.76 MM has Grown at 119.6%
- NET PROFIT(HY) At USD 10.44 MM has Grown at 81.13%
- CREDIT DEPOSIT RATIO(HY) Highest at 92.87%
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 49.56%, its profits have risen by 45% ; the PEG ratio of the company is 0.3
6
High Institutional Holdings at 25.95%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.99% over the previous quarter.
7
Market Beating performance in long term as well as near term
- Along with generating 49.56% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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)
49.56%
2.36
24.94%
S&P 500
22.24%
1.67
13.28%
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 Trend12What is working for the Company
NET SALES(HY)
At USD 56.76 MM has Grown at 119.6%
NET PROFIT(HY)
At USD 10.44 MM has Grown at 81.13%
CREDIT DEPOSIT RATIO(HY)
Highest at 92.87%
-5What is not working for the Company
INTEREST(9M)
At USD 23.84 MM has Grown at 80%
Here's what is working for Pioneer Bancorp, Inc. (New York)
Net Sales
At USD 56.76 MM has Grown at 119.6%
Year on Year (YoY)MOJO Watch
Sales trend is very positive
Net Sales (USD MM)
Net Profit
At USD 10.44 MM has Grown at 81.13%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 92.87%
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 (%)
Here's what is not working for Pioneer Bancorp, Inc. (New York)
Interest
At USD 23.84 MM has Grown at 80%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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