Pioneer Bancorp Past Earnings Performance
Past criteria checks 1/6
Pioneer Bancorp has been growing earnings at an average annual rate of 22.5%, while the Banks industry saw earnings growing at 7.2% annually. Revenues have been growing at an average rate of 7.2% per year. Pioneer Bancorp's return on equity is 6.1%, and it has net margins of 23.2%.
Key information
22.5%
Earnings growth rate
22.3%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 7.2% |
| Return on equity | 6.1% |
| Net Margin | 23.2% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Revenue & Expenses Breakdown
How Pioneer Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 78 | 18 | 54 | 0 |
| 30 Jun 24 | 74 | 15 | 54 | 0 |
| 31 Mar 24 | 73 | 16 | 52 | 0 |
| 31 Dec 23 | 72 | 17 | 50 | 0 |
| 30 Sep 23 | 80 | 20 | 48 | 0 |
| 30 Jun 23 | 80 | 22 | 46 | 0 |
| 31 Mar 23 | 76 | 20 | 45 | 0 |
| 31 Dec 22 | 69 | 14 | 44 | 0 |
| 30 Sep 22 | 62 | 14 | 42 | 0 |
| 30 Jun 22 | 57 | 10 | 42 | 0 |
| 31 Mar 22 | 54 | 4 | 41 | 0 |
| 31 Dec 21 | 54 | 5 | 41 | 0 |
| 30 Sep 21 | 54 | 1 | 41 | 0 |
| 30 Jun 21 | 54 | 1 | 41 | 0 |
| 31 Mar 21 | 53 | 6 | 40 | 0 |
| 31 Dec 20 | 52 | 6 | 39 | 0 |
| 30 Sep 20 | 54 | 8 | 40 | 0 |
| 30 Jun 20 | 58 | 5 | 39 | 0 |
| 31 Mar 20 | 62 | 9 | 38 | 0 |
| 31 Dec 19 | 65 | 13 | 36 | 0 |
| 30 Sep 19 | 63 | 14 | 34 | 0 |
| 30 Jun 19 | 62 | 19 | 33 | 0 |
| 31 Mar 19 | 60 | 18 | 32 | 0 |
| 31 Dec 18 | 58 | 17 | 32 | 0 |
| 30 Sep 18 | 56 | 14 | 31 | 0 |
| 30 Jun 18 | 54 | 11 | 31 | 0 |
| 30 Jun 17 | 44 | 6 | 30 | 0 |
Quality Earnings: PBFS has a large one-off gain of $6.0M impacting its last 12 months of financial results to 30th September, 2024.
Growing Profit Margin: PBFS's current net profit margins (23.2%) are lower than last year (25.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PBFS's earnings have grown significantly by 22.5% per year over the past 5 years.
Accelerating Growth: PBFS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PBFS had negative earnings growth (-9.9%) over the past year, making it difficult to compare to the Banks industry average (-13.1%).
Return on Equity
High ROE: PBFS's Return on Equity (6.1%) is considered low.