Pioneer Bancorp Inc

Pioneer Bancorp Inc has a market capitalization of $372.14 million and a price-to-earnings ratio of 116.59, indicating a high valuation relative to its earnings. The company's price-to-book ratio is 1.31, suggesting that the market values the company at a premium to its book value. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. The company's return on equity is 1.12%, and its return on assets is 0.17%, both of which are below the typical performance metrics for the banking industry. The company's profitability is further reflected in its net income of $3.19 million and a revenue of $16.09 million. The debt-to-equity ratio is 0.0, indicating that the company is not leveraging debt to finance its operations. Pioneer Bancorp Inc's revenue is not segmented by geographic regions or business lines in the provided data, making it difficult to assess the geographic or segment concentration of its revenue. The company's capital expenditure is negative at -$534,000, suggesting that the company is not investing in new assets but rather reducing its capital expenditures. The company's growth trajectory is not explicitly detailed in the provided data, but the current financial performance suggests a stable or potentially slow growth path. The company's operating cash flow is $11.50 million, which is a positive indicator of its ability to generate cash from operations. The free cash flow is $3.68 million, indicating that the company has some flexibility in its cash management. The risk assessment for Pioneer Bancorp Inc indicates a low potential for dilution, with no immediate pressure for share issuance. The company's liquidity risk is moderate, and its credit risk is not explicitly detailed in the provided data. The company's ESG scores indicate a moderate level of social responsibility and governance, with a high ESG controversies score suggesting that the company has not been involved in significant controversies. Recent events and filings for Pioneer Bancorp Inc are not detailed in the provided data, making it difficult to assess any recent developments that may impact the company's performance.