What is Pioneer Bancorp, Inc.'s free cash flow?

Pioneer Bancorp, Inc. (PBFS) reported free cash flow of $6.45M in Q4 2023.

What does free cash flow mean?

Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.

Pioneer Bancorp, Inc. PBFS Free cash flow

Discontinued — last reported Q4 '23

Free cash flow at other companies

Trustco Bank CorpTRST

$10.18M+412%

Community Financial SystemCBU

$60.3M+16.1%

Colony BankcorpCBAN

$53.83M+206%

First BancorpFNLC

$22.25M+2,587%

Citizens & NorthernCZNC

$8.47M+713%

KeyCorpKEY

——

Other financials

Income statement

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Revenue$24.6M+7.9%

Net income$5.3M-8.2%

EPS (diluted)$0.22-4.3%

Balance sheet

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Cash & equivalents$156.9M+12.4%

Total debt$54.4M+20.3%

Total equity$328.6M+5.8%

Total assets$2.2B+7.3%

Cash flow

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Operating cash flow-$161.0K+95.4%

CapEx$112.8K—

Valuation

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Market cap$420.91M+46.8%

P/E21.2×+3.7×

P/S4.3×+0.9×

Profitability

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Net margin20.2%+0.8pp

FCF margin32.4%—

Returns & leverage

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Return on equity6.2%+0.8pp

Debt / equity0.2×0.0×

Where this comes from

Calculated from Pioneer Bancorp, Inc.’s reported figures.

−$112.8Kcapital expenditures=$6.45M

Plus components not separately reported this period.

The official record: Pioneer Bancorp, Inc.’s 10-K, filed September 25, 2024, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pioneer Bancorp, Inc.'s free cash flow?: Pioneer Bancorp, Inc. (PBFS) reported free cash flow of $6.45M in Q4 2023.
What does free cash flow mean?: Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.